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Ask Our Specialists

All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:I would like to find out the details about the pre-existing conditions. When is it covered and what is covered. My dad is a heart patient and had a by pass surgery many years ago. He is planning to travel to US for few months. If something happens to it during that time (heart related) then will that be covered and how much amount will be covered. He is 70 years old and traveling on a visitor visa.

A:
Insurance will not pay for any routine dr. visit for the existing condition. But most of the plan covers acute onset of pre-existing conditions up to policy max. you choose. But it will be determined by the claim dept. based on the dr. notes whether that come under acute onset of pre-exisitng or not. More information on acute onset of pre-ex can be found here. - Heart Attack Coverage for Visitors to the USA You can purchase either Patriot America plus or Atlas America plan. You can compare these plans on our website. Please feel free to contact our office if you have any further questions.
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Q:I was about to buy Atlas Travel Insurance Comprehensive plan with $50,000 policy maximum and 500 deductible for my parents visiting from India. However, I had few questions and I was wondering if you will be able to answer 1. I did not see the out patient chargers for normal physician visit. Can you please let me know if there are anything 2. What would be the general guidelines for deductible selection? 3. Would this insurance also cover the travel or would it only cover once they arrive in US?

A:
Thank you for your interest in purchasing Atlas America insurance. 1. Outpatient charges for eligible medical expenses are included. They are not specifically mentioned because there is no separate limit for such coverage. 2. $500 is a good choice. But different people have different choices. $250 is the most common choice. 3. It will cover anywhere outside the home country. You can purchase it online here. If you have any further questions, please feel free to contact us at any time.
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Q:I wish to purchase Atlas travel insurance for my daughter who is currently abroad and whose current travel insurance policy expires on 31 March. She wishes to continue to travel to India until 25 of November 2016. Is she eligible?

A:
Thank you for your interest in purchasing insurance through us. Yes. Your daughter is eligible to purchase Atlas plans. Atlas plan will provide coverage anywhere in the world except her home country. Atlas International brochure, instant purchase and other useful information Please review this plan and if you have any further questions feel free to contact us.
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Q:I need to know cost for health insurance for my mother . She is 70 years old and visiting the US on a visitor visa.

A:
Thank you for contacting Insubuy for your insurance needs. There are several plans that your mother can purchase for coverage. We here at Insubuy recommend comprehensive coverage plans when traveling outside of your home country. Please see the links to the Patriot America Plus plan as well as the Atlas America plan that is available. These links will provide you with in depth plan information. If you have any question please feel free to contact our office if you need any further assistance. You can compare these plans on our website.
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Q:My mum (born 1949) will be visiting us in US from Australia on Feb 26th, 2016, staying with us for 6 months, and after 6 months, she will either extend her stay for another 6 months, or go to a different country to visit her friends. What's the insurance options she'll have? And the cost? Does she need to have return air tickets or one-day ticket will be fine? She holds Australia Passport.

A:
Thank you for contacting Insubuy for your insurance needs. There are several plans that your mother can purchase for coverage. We here at Insubuy recommend comprehensive coverage plans when traveling outside of your home country. Please see the links to the Patriot America Plus plan as well as the Atlas America plan that is available. These links will provide you with in depth plan information. If you have any question please feel free to contact our office if you need any further assistance. You can compare these plans on our website.
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Q:My fiance will be joining me along with her son in a month, they are Dominican Republic citizens. We plan on getting married once she arrives but I wasn't sure what I would need in the time between getting her on my insurance from work. Could you send me any info that you would feel useful, price quotes etc.

A:
Thank you for contacting Insubuy. You may purchase the Patriot America Plus plan until you are able to enroll them in your insurance plan. Please use the link below to review the plan details. You may also obtain a quote and complete an application by clicking on the 'Quotes and Purchase' button. In order for us to provide a quote we will need more information. Can you please state the age of the potential insureds, and duration of time, and state they will reside in? You may also obtain a quote by contacting our office at (866) 467-8289. If you have any additional questions please let us know.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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