There was a problem, please make the requested changes and submit again:

  • Search criteria is required. {{ error }}

Ask Our Specialists

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

Q:Visitor Medical Insurance Hi, I just talked with my existing insurance provide HDFC ERGO and found out that INTERNATIONAL SOS is there point of contact in USA. I am not sure how good INTERNATIONAL SOS is known in USA and what is there supported hospital list.Could you please help me with finding this information for the sake of comparisons? Thanks

A:
We are located in USA. We deal only with US companies NOT Indian companies. If you need any further information, please call our office at (866) INSU-BUY.
{{currentOrigin}}/answers/visitors-health-insurance/visitor-medical-insurancehi-i-just-talked-with-my-existing-insurance-provide-hdfc-ergo-and-found-ou-49216/

Q:Civil liability insurance We are interested in purchasing travel insurance for a Schengen (France) visa. I understand from reading the details on your website that the medical insurance requirement for this Visa is satisfied by your insurance. However, I am unclear whether the "civil liability" requirement is also covered by your insurance policy. Please see item #13 for details: <a href='https://vancouver.consulfrance.org/spip.php?article409'>https://vancouver.consulfrance.org/spip.php?article409</a> Can you please confirm?

A:
That is referring to a property and casualty type insurance. This would not be covered under the medical insurance, you should speak to your auto/homeowners insurance agent.
{{currentOrigin}}/answers/europe-visa-insurance/civil-liability-insurancewe-are-interested-in-purchasing-travel-insurance-for-a-schengen-france-visa-19659/

Q:Will of dealing with charges Receive my greetings misters: I'm interested in your product DIPLOMAT AMERICA, but I want to assure myself when I could need your services. I'm now in Mayaguez, Puerto Rico and I knew most of the medical institution here dont accept international insurances, so I asked to them if they would attend me when an emergency could occur, and if they would make deals with your company. They told me that they will accpept if you should provide official addres and contact data and they would send you the bill; however you could reject the billing for coverage reasons, and they will redirect it. What I need is that you show me your will to deal with all the billing charges generated; whenever charges are under the coverage I have contracted. These entities show their will of deal with you but require your contact info: CLINCA YAGUEZ, phone 787 8328444 Yamila Villanueva, Billing Supervisor - yamilavillanueva@gmail.com HOSPITAL BELLAVISTA, Billing office - direct phone 787 8334314 Camil Vega, cvega@bvhpr.org HOSPITAL SAN ANTONIO, Billing office - phone 787 8340050 ext 2359 Xiomara Rodríguez, x.rodriguez04@yahoo.com They should answer your mail, and them you could send an e-mail, showing that you already have an institution which is disposed to accept your direct billing payment, in the services under your broshure coverage, with the DIPLOMAT AMERICA INSURANCE POLICY (what I'm interested to). I will keep concern, if you would need any information from me and I will wait for your answer. Thanks again.

A:
Hello, There is no company that will give you a "Will to Deal". There is also no one that would be able to call around to the providers and guarantee payment. When it comes to doctors, you may have to pay out of pocket and file the claim form for reimbursement. With hospitals the insurance company may arrange direct billiing. But the policy I quoted was cero (0) deductible and cero (0) coinsurance for the services under coverage. I think the best way for me to buy an insurance, is having the trust I'll have your will to support me in an emergency, it means, if I'm alone and incapable to arrange anything because an accident, how could I solved; that's why I contract a policy. I just look for some will and good faith, I do release that's is very difficult to pretend a comprise from any of the parts, neither the Insurance Company, nor the Hospitals. I rimind you that this is a internet transaction and a very impersonal way. I can tell you that hospitals I showed you, they did their part (without comprise), they showed me their will. If you could help me I would appreciate it. Thank again, Insurance company is willing to work with the hospitals and doctors for direct billing. However, it is up to the provider whether they want to directly bill the insurance company or not.
{{currentOrigin}}/answers/visitors-health-insurance/will-of-dealing-with-chargesreceive-my-greetings-misters-im-interested-in-your-product-diplomat-ame-79816/

Q:Insurance rates for visitors Greetings My Guests are visiting from India and Non US citizens . Male July 1936 born Female March 1950 born They are arriving 08/21/2011. please inform me monthly rates . Thank you .

A:
Thank you for your interest in purchasing insurance through us. The plans will fall under two categories. Fixed coverage plans, which are very basic plans. And comprehensive plans, which cover more at the time of the claim. I have included a link for one fixed coverage plan and one comprehensive plan brochure, the rates are included. You can also go to www.insubuy.com to look at all plans and get instant quotes. FIXED: /safe-travels-elite-insurance/ COMPREHENSIVE: /atlasamerica-insurance/ If you have any further questions please feel free to call. Thank you for the call. I like to do monthly payments .duration 4-5 months for now . Buying and paying is the same. If you want for 4 months you would have to pay for that duration. You may purchase for one month and renew the policy. Each time you renew there is a $5 renewal fee. You can do an instant purchase online or you may contact our office and an agent would be happy to assist you. I understand Ok so same rates even I call you . Thank you Yes. There is no difference in cost whether you puchase online or over the phone with an agent. One of my guest has remote history of heart problem . Do they cover if something happens related to his condition. His doctor checked week ago and said no problems. Please inform . The plans will only cover new illnesses and accidents that occur after the effective date of the policy. Pre-existing conditions are excluded.
{{currentOrigin}}/answers/visitors-health-insurance/insurance-rates-for-visitorsgreetings-my-guests-are-visiting-from-india-and-non-us-citizens-male-49297/

Q:Pre-existing conditions coverage for visitors My mother in law is coming to visit us from Colombia in November and will be staying for about 3 weeks. She is 60 and has type 2 diabetes, and although we don't anticipate any imminent problems, we want to try to protect ourselves against any catastrophic medical bills. After reading enough websites to get my head spinning, I'm interested in either an Atlas America comprehensive policy or possibly a Patriot America Platinum policy. It is my understanding that both of these policies cover acute onset of pre-existing conditions to a certain extent. I've read both good and bad things about both companies, the scariest being that they will try to tie anything back to a pre-existing condition and deny payment of claims. My first question is, do you even offer the Patriot America Platinum policy? I didn't see it in the list when I did the quote form. If not, please tell me why. Second, given my choice between the two (I'm not interested in a policy from Liaison), which is better and why? Thanks in advance for your advice.

A:
Thank you for your interest in purchasing insurance through us. Patriot America, Patriot plantinum plan does not cover pre-exisitng conditions. Atlas America, lia continent covers in case of acute onset of pre-ex upto $15,000. Atlas America brochure,instant purchase link, /atlasamerica-insurance/ Liaison Continent brochrue, instant purchase, /safe-travels-usa-comprehensive-insurance/ YOu can compare the both plan at our website by entering very basic information, / If you have any further questions, please feel free to contact us.
{{currentOrigin}}/answers/visitors-insurance-usa/preexisting-conditions-coverage-for-visitorsmy-mother-in-law-is-coming-to-visit-us-from-colombia-in-50369/

Q:Group of 3- Medical Insurance in US Group of 3 persons is visiting USA for about 40-45 days. Which plans we can offer? Thanks.

A:
For group insurance you need to have minimum 5people. So you won't be able to get group insurance for them. You have to do individual application for them. If you have any further questions, please feel free to contact us.
{{currentOrigin}}/answers/group-travel-medical-insurance/group-of-3-medical-insurance-in-usgroup-of-3-persons-is-visiting-usa-for-about-4045-days-which-plans-53623/

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.

Did you know?

Prices are regulated by law.

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

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

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

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

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

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More