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Ask Our Specialists

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

Q:Atlas America Insurance Hi, I would like to know if Atlas America Insurance company is a USA based company or not? Also, I saw that Iran is in the country restrictions list. Does that mean that Iranian citizens can't have Atlas America insurance in USA while they are visiting? or they can't have it when they are in Iran? Thanks,

A:
Hi, If home country is Iran you can't purchase Atlas America. Citizenship is fine but need to do paper application. If you want you can purchase Liaison Continet.. In that plan there is no Country Restriction. Liaison Continent brochure, instant purchase and other useful information, /safe-travels-usa-comprehensive-insurance/ Please let me know if you have any further questions. Hi, Thanks for the reply. Is Liaison Continent a US based insurance company? and is it renewable? Thanks Yes, All the plan on our website are US based company and its' renewable too.
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Q:Traveler's Insurance related question Hi, I need your help to understand whether the insurance that I purchased is the right one and sufficient. Yesterday I purchased the following product from your web-site Coverage Plan: Comprehensive Product: Atlas America Policy Max: $200K Deductible: $1K State: CA My father's particulars: Age: 66 Citizenship: Indian I had the following questions: 1.) Coverage Area - I specified the 'Coverage Area' area as "International including USA". - I chose this option as opposed to "USA" (even though my father is directly coming to the US and not make any stopovers anywhere) because he has a stopover in Hong Kong - I hope this is fine. If not then please let me know and I will change the 'Coverage Area' area to "USA". 2.) California: - It seems Lloyds' surplus line of insurance is not one of the companies backed by CA state government. - We live in CA, do you think this should be a matter of concern? I think this is a good plan, please let me know otherwise. Please let me know if I should take any precaution or keep any particular thing in mind. Thank you.

A:
Thank you for your interest in purchasing insurane through us. Answers for your questions below. 1.Atlas America is an International insurance person will get coverage everywhere in the world except his home country as long as you put destination USA. If he is coming here on Sep 25th. You can start the coverage from Sep 24th to cover the travelling time. Coverage always starts from US Eastern time zone. 2.Atlas America plan is not available to CA resident. Your father is not CA resident. His home country is India.Your father is eligible for Atlas America plan. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please review this and if you have any further questions, please feel free to contact us. I hope this answers your questions.
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Q:Maternity insurance I am an exchange student in the state of Massachusetts seeking health insurance for my wife who is yet to arrive and will be on a J-2 visa. Please send me quotes for a 1 year health coverage including maternity. As of now, she is not pregnant. Thanks

A:
There is only one plan that covers maternity upto some amount after waiting period. Inbound Immigrant brochure, instant purchase and other information, /international-major-medical-insurance/ Please contact us if you have any further questions.
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Q:Individual Health Plan for non residents in USA Good Afternoon: I’m a Puerto Rico resident and I would like to know if we can buy a plan with you for medical treatments or procedures not authorized by my medical Plan in Puerto Rico to be done in EEUU.

A:
If the resaon for travel is to seek treatment, then there would be no plan that would cover it. The plans are designed to cover new illness and injury that occurs after the effective date of coverage, not pre-existing conditions.
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Q:Urgent - Please Advise One kind of Insurance Hello INSU-BUY, I will go to US with my wife (business trip)with 7- month's pregnant on Sep 13, and plan to deliver baby in Seattle hospital. Date of delivery baby is 2011/12/21. Are we eligible to buy related insurance that can cover baby delivery and baby health? If Yes, please advise one kind of insurance, and how to buy it, and detail cost. The detail instruction will be appreciated

A:
If your wife is prgnant there is no insurance will cover her.
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Q:Medical insurance for pilots Hi, I’m travelling to the USA for 1 year to train as a flying instructor. I notice your standard policy exclusion does not cover for travel in an aircraft except for an aircraft licenced for transportation of passengers. As I will be training in and then instructing in light aircraft, I will need cover for this included. Do you have a policy, or can you recommend a policy that will provide the cover I need? Kind regards,

A:
What kind of coverage do you need? If you get sick or injured while you are on the ground? Please clarify. Hi, I need medical insurance that covers all the normal hospitalization for sickness or injury but that does not exclude any injury sustained whilst in an aircraft. E.g. student lands badly or engine fails and we have to land in a field and I break a leg doing so. So I will need all the normal cover for when I'm on the ground as well as cover in the aircraft. I hope this clarifies things, thank you for your help. Kind regards, We have a plan called Atlas America that covers students while in flight . You have to choose the Sports Rider to cover that. /atlasamerica-insurance/ Please contact us if you need further assistance. Thank you, I'd not seen that option. I'll take another look, can you confirm if it will also cover me as the instructor? Kind regards, I just confirmed with Underwriting dept.that you will not be eligible for Atlas America plan. We sell that to student but instructor is not eligible for that plan because you get compensation from school. You can ask the school because most of the school has workers compensation insurance that should cover you. You can purchase the medical insurance but it will not cover you while you are at work. Hi again, Further to my email below, I can confirm that we are students (student instructors) for the duration of our stay in the USA and that as we are travelling on an M1 visa, we are not employed and not eligible for any employers insurance. Please can you confirm that the underwriters are able to cover me on this basis, and what discount can be offered for the purhase of 6 policies together. Kind regards, Here is the reply from the underwriter: >>>> This client would have no issue obtaining coverage as long as they are not gaining any wage, reward or profit from the school throughout their program. As long as they can attest that this is the case, we can issue an Atlas America policy with the hazardous sports rider. >>>> If that is applicable to you, you can buy Atlas America, available at /atlasamerica-insurance/ Fantastic news, thank you. What discounts could you offer for 6 policies bought together? Kind regards There is no discount.This premium is fixed and it's regulated by govt. You can do either group application or individual application. If you do group application your premium will be little bit lower. Group application link, /atlas-group-insurance/ Atlas America individual insurance link, /atlasamerica-insurance/ Please remember to take the hazardous sports rider. If you have any further questions, please feel free to contact us.
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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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