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Ask Our Specialists

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

Q:US Citizen - Back to US from Canada for employment Hi, my employee, Alex (who holds dual citizenship - Canadian & US) will be back & work in Houston, Texas. He has not been working in US for some years. His wife and kids are all Canadian. They plan to live together with Alex once everything settled down. Please advise whats the health insurance plan could offer to them:- A) Coverage for Alex Health Insurance (with deductible) Dental Life Insurance (& his Spouse only) B) His family Health Insurance (with deductible) Dental Thank you Phoebe

A:
Please look at /short-term-health-insurance/ Please look at /short-term-health-insurance/ Thanks for the reply. Does it means only my employee (US citizen) can purchase the insurance plan? How about his family members? Thank you Phoebe Please call us at (866) INSU-BUY or at (972) 985-4400
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Q:What kind of visitors insurance should I buy? Many people ask what kind of visitors insurance they should buy. There are two major categories of visitors insurance plans: Fixed: Cheaper, less coverage and has sub-limits for each benefit Comprehensive: more expensive, much better coverage that is percentage based. Please note that the benefits in the fixed coverage benefits are a lot less than then actual expenses. You should always buy comprehensive coverage plan. How much coverage should you buy in comprehensive coverage? You should buy as much as you can. We are not saying this to charge you more premium, but the reality is that healthcare expenses are very high in the U.S. and they are going up every day. e.g., we just came to know about one person whose father got a heart attack and one day hospital bill is more than $82,000 (Yes, eithty two thousand US dollars.) When you invite your old relatives to the U.S., there is only so much risk you can transfer to the insurance company for the new problems. For everything else, you are taking the risk yourself, in case something happens that is not a covered expense. You must decide how much risk you are willing to take before inviting them to the U.S. No insurance company is going to take the complete risk with them so that you can invite them worry free. (No insurance company can stay in business like that.) Therefore, we recommend that you visit insubuy.com and purchase the best and the most coverage you possibly can for your loved one visting the U.S.

A:
Thank you. You can read more about visitors insurance types
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Q:Question about ATLAS America I am looking at buying atlas america for my Mother who is visiting US. She is 55. I see that policy maximum is 50,000 and Onset of prexisting upto 15000. Thats probably enough, but I will have more peace of mind If I had 100k coverage. Another site\Agent has Altas America listed with higher coverages for a higher premium. Are these the same or they are different? It looks different because PPO networks are different. Why is Insubuy not offering policies with coverage higher that 50k?

A:
It is the same Atlas America that everyone offers. We have the same policy maximums as anyone else. I can't comment about other web sites, but I can assure you that the information on our web site is the latest and most up to date and accurate. Please visit and /atlasamerica-insurance/ To do the quotes, you will first see the option to choose the policy maximum. You will see the quotes for the policy maximum you choose. I hope that answers your questions. If you have any further questions, please feel free to post them here or contact us at any time. Thank you so much!...Response was really fast. In the home page where you compare different plans if you change insurance maximum from to 50-65k ...It does not show any results for comprehensive. sorry....my bad....I the range 70-85 doesn't return any results. I assumed that no comprehensive plans were available above 50k. 100 to 125 indeed returns results. You are right. There are no comprehensive plans in in 70-85 range. Atlas America offers 50k, 100k, 200k, 500k and 1 million. (Of course, for older ages, the higher policy max are not available.) I hope that answers your questions. For any further questions, please feel free to post them here or contact us at any time. Please note that we are available 7 days a week to help you in any way we can.
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Q:Visitor Insurance My brother's in laws are planning to come to the US sometime in May. Mother-in-law (MIL) and Father-in-law (FIL) both are < 70 years old. MIL is diabetic and so I guess this will be considered as a pre-existing condition! FIL does not have any pre existing condition. So can we go with Atlast America for both of them? Also FIL will be turning 70 in Sept. So what would you recommend in such case? So can we initially take Atlast America and then switch to Visitor Care in Sept for FIL? Is that allowed? What would be your recommendation? Please let us know. Thank you.

A:
Yes, you can purchase Atlas America for both of them. You can purchase it online at /atlasamerica-insurance/ It is not recommended that you switch plans in between because it is not a good idea to break continuity. You can continue Atlas America for your father-in-law even after he turns 70 years (If you have purchased the coverage higher than $50,000, it would drop to $50,000 when he turns 70.) I hope that answers your questions. If you have any other questions, please feel free to post them here or contact us at any time. But if we initially get a coverage of 100,000 and would like to continue with the same coverage of 100,000 and do not want to switch then do we have any such plans that takes care for both the ages i.e. < 70 and > 70? Also do we buy the insurance separately for MIL and FIL? You can consider buying Patriot Platinum America. It is $1,000,000 for people below 70 years of age and it is $100,000 for people 70 years of age and above. /patriot-america-platinum-insurance/ It is comprehensive coverage plan. There is no harm in purchasing separately for mother in law and father in law. In fact, we always recommend that you do that. Even if you buy $100,000 for 70+, if it is a fixed coverage plan, you will have much lesser coverage than $50,000 comprehensive coverage in most cases.
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Q:New GC holder moving to US - Advice needed I'm 26 yrs old and will be entering the US for the first time on my GC. The two plans I'm looking at are Patriot America with Adventure Sports Rider and $100 deductible, and Seven Corners Inbound Immigrant with $150 deductible. This is for one year coverage. Premiums are; Patriot America - $617 Inbound Immigrant - $614 Patriot America is a comprehensive plan which seems to be highly recommended. What would be the reason to go with Inbound Immigrant if the prices are practically the same? Don't forget that the Patriot America premium is including the Adventure Sports Rider coverage. This is all new to me so any advice is most appreciated!

A:
Patriot America - Max length 2 years Inbound Immigrant - Max length 5 years Other than that, you should have no reason to buy Inbound Immigrant at your age. I hope that answers your questions. If you have any other questions, please feel free to post them here or contact us at any time.
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Q:Health Insurance Payment with Pre-existing conditions Hi, I got a check up with doctor and had an MRI test also from Pakistan in July 2011. I came to USA in Aug 2011 for studies and bought ICS health insurance for students. I went to different doctors here for checkups and had injections from doctors I bought from Pakistan. That summed up to around $2000. Now my health insurance company is asking about doctor name and MRI test date I had visited in Pakistan but I have not sent that information yet. And I got to know by calling them that they dont cover pre existing conditions for first six months from health insurance purchase date. I am afraid, they would not cover it by calling it a pre-existing condition. I am worried how would I pay for this large sum. Can anybody suggest what should I do except paying the whole expenses? Thanks, Mohsin

A:
It looks like these expenses are related to pre-existing conditions and would not be covered. Please contact your agent for further help.
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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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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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