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Ask Our Specialists

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

Q:Need claims help with ICICI Lombard travel insurance Hi, I had taken an insurance from insubuy.com for my parents few months back. Before that they had a insurance from ICICI Lombart and there was a claim. I would like to discuss with you few things and take your advise. Could you please let me know how can I reach you or an advisor. I truly appreciate any help from you or your team. I am in deep trouble by ICICI Lombard and need advise from someone who has in depth knowledge. I found your name in many websites/forums so thought of contacting you. I can be reached at xxx-xxx-xxxx anytime. Please let me know how can I reach you for a help. Thanks

A:
Thank you for taking time to contact me and putting trust in us. We are glad to help all our customers who have purchased the insurance from us, from the companies we offer. However, we are unable to help someone who has purchased the insurance from an overseas company whom we don’t represent. We would be glad to help you but we don’t have any relationship with them and they won’t listen to us. In other words, we have no leverage with them. I recommend that you purchase the insurance from us the next time and we would be glad to help you choose the right one for your needs.
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Q:Car Insurance question My cousin, whom you have met, is back in USA. He is now located in Ohio and try to settle down. He is renting a car for next few weeks and needs rental insurance until such time he buys his own car. What are his options for liability and collision insurance (other than buying from car rental company)? I am not sure if you offer that? You can respond by email or feel free to call him.

A:
Thank you for the email. We currently do not offer car insurance
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Q:Medical insurance for pregnancy Hello, excuse me!I am a pregnant woman currently living in Taiwan, I am going to live in the U.S. a year (May - in May next year), I expect to production children in the United States in August, I will need to purchase travel pregnant women production insurance. would you have related insurance services? Can provide relevant information to me? Thank you

A:
There is no such insurance available. You will have to pay out of your pocket.
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Q:Regarding Travel Insurance I live in Dallas and have heard lot about you through our friends and one of my friends referred you to take travel/medical insurance for my mother-in-law who is planning to visit us this Friday. I would like to talk to you regarding the plans. Please let me know you availability or you can reach me at xxx-xxx-xxxxj.

A:
Thank you for your interest in purchasing insurance for your mother-in-law. Any one that answers the phone call is a licensed and experienced insurance agent. Therefore, please feel free to talk to anyone in our office. Please be assured that everyone in my office gives the same answers and no one is authorized to talk until I am confident that they can answer customers questions satisfactorily. We look forward to serve you.
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Q:Tata AIG vs Atlas America My apologies for the unsolicited email. I came across your several helpful comments on insubuy.com and wanted to ask your advice on which insurance to buy for my parents who are visiting from India. I looked up Atlas America on insubuy.com and the total premium for my parents amounts to about 2x of what Tata-AIG is offering back in India. Could you please let me know which one you suggest would give me better value for the money? Based on my conversation this morning with the Tata-AIG agent (in India) the coverage seems to be similar to what Atlas America offers. I'll really appreciate a quick response as I need to decide asap. Best regards, PS: My parents had bought Tata-AIG on their prior visits to US, but I want to be more cautious this time as they have gotten older.

A:
Thank you for your interest in purchasing visitors insurance for your parents. Please note that there are primarily two types of visitors insurance: Fixed: Cheaper, less coverage Comprehensive: More expensive, more coverage You can read about fixed vs comprehensive coverage at /visitors-insurance/ Please note that Atlas America is comprehensive coverage plan for all ages while Tata-AIG is fixed coverage plan for anyone age above 55 years. In short, what you pay for is what you get. It is always advisable to purchase insurance from the U.S. based company. Read /visitors-insurance-usa-india-comparison/ to understand that in detail. You can purchase Atlas America insurance online at /atlasamerica-insurance/ I hope that answers your questions. If you have any other questions, please feel free to contact us at any time. Thank you very much for the prompt and helpful response. I believe I will go ahead and purchase the Atlas plan from insubuy.com You are welcome. If you need any further help (before, during or after purchase), we are always here to help you in any way we can.
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Q:International Major Medical Insurance Plan - PPO network Hello, I am interested in the International major medical insurance plan: <a href='/international-major-medical/travel-insurance/'>/international-major-medical/travel-insurance/</a> If I buy this plan, how do I find a doctor who accepts the plan and will bill you directly? I searched your web site and couldn't find any information about which doctors in my local area accept the plan. I am not interested in any plan where I need to pay the doctor out of pocket and then file all the paperwork myself to get my money refunded. Thanks, Shuba

A:
Thank you for your interest in purchasing insurance from us. PIU International Major Medical Plan does NOT participate in any PPO network. It is up to the provider whether to bill the insurance company directly or not. However, we have many other insurance plans that participate in PPO network. It would be the best if you could call our office so that we can know your requirements and suggest you the most suitable product for your needs.
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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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