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Q:Travel Medical Insurance Esteemed INSUBUY, My wife and I have used your Company for a Travel Medical Insurance with Atlas International many times. Due to business we will have to travel to Mexico, Central and South America for ten (10) months a year. USA and Canada excluded. We are italian citizens resident in Italy. It is important for us to know as follows: 1) Is it possible to be insured for the above mentioned countries and time. 2) In case of Hospital Emergency Recovery will your Insurance cover and pay directly the Hospital, after having informed you. 3) If you have a list of facilities in those countries Besides we would like to know if your Call Center has operators that speak either Spanish or Italian. Thank you for your prompt answer Regards

A:
You can purchase Atlas America that will provide you coverage anywhere in the world except your home country. If you purchase Atlas International that will not provide you coverage in USA. So if you need coverage in USA and other countries you need to purchase 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 call our office at (866) INSU-BUY. Esteemed INSUBUY, Thanks for your response and for the web page of Atlas America The problem is that I do not speak English and I'm interested in just one simple answer to the following two questions : 1) In case of Hospital Emergency Recovery will your Insurance cover and pay directly the Hospital, after having informed you. 2) If you have a list of facilities in those countries Besides we would like to know if your Call Center has operators that speak either Spanish or Italian. Thank you for your prompt answer Regards Here is the link for PPO network for USA and outside USA, /travel-and-student-insurance-ppo-network/ For hospitalization i have never heard that client had to pay to the hospital. So you don't need to worry for hospitalization. Our call center don't have any agent who speaks either Spanish or Italian. We are US based company.
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Q:Regarding Visitor's medical insurance Hi, I am planning to by Visitor's medical insurance for non-US Citizens(Parents are visiting USA), Can you please send me more information on the following: 1. Coinsurance (Does the amount vary based on deductible) 2. How deductible works. 3. List of hospitals and physicians in Preferred Provider Organization Network Thank you

A:
Hello, 1. Coinsurance is not dependent upon deductible. 2. The deductible is what you pay before the plans pays anything. This may per incident, per period of coverage, or annual depending on the plan. 3. This is plan specific. There will be a link to the provider search when doing a quote on www.insubuy.com Please feel free to contact us if you have any questions. Thank you for the use full Information and it is really helpfull, Before i buy insurance i need to clarify couple of points as mentioned below.. 1. Say insured person who undergone some surgery 2-3 years ago and if he/she had a problem and requires medical attention (minor or major) will the insurance company covers it or not?.. 2. If he/she visits the doctor and if paid in full because insurance doesn't cover problem, then will that amount be incurred into the deductible. In the sense, say I had a problem and had to pay full ($200.00) to the doctor and I have a deductible of $2500.00. Then the amount that I paid will be deducted from the $2500.00 or not? 3. Can you suggest a good plan or tell what are plans you provide.. Thank you You can purchase Atlas America plan. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ In order to further advise on benefits we would like to get Visitors age.
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Q:Insurance for US citizen visiting US I am US Citizen, but living in India and need to travel to MD, NY, WA for 4 weeks. Which medical insurance would be good for me for sum assured of $200,000 ?

A:
Thank you for your interest in purchasing insurance through us. We have a plan called Liaison Continent you are eligible for that plan. Liaison Continent brochure, instant purchase and other useful information, /safe-travels-usa-comprehensive-insurance/ Please review this and if you have any further questions, please feel free to contact us.
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Q:Atlas travel insurance Please send urgently application form for Atlas travel insurance from July 20, 2011 to July 31, 2011 and August 8 to September 6, 2011 for me, age 18, birth date Oct. 11, 1992 to this email. Thank you

A:
Here is the Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Atlas International brochure, instant purchase and other useful information, /atlas-international-insurance/ Please let me know if you have any further questions.
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Q:Visitor insurance for 81 years old father My father is visiting the US again. I'd like to purchase medical insurance for him. Can you give me the rates? He's 81 so I guess no plans will do limited coverage of preexisting conditions for severa onset. Let me know

A:
There are three comprehensive plans that you may purchase for your father. The plans will cover only new illnesses and accidents that occur after the effective date of the policies. They will not cover any pre-existing conditions or any illness or accident that occur after the effective date. Below are the links for the plans. Diplomat America: This plan is not renewable and has no PPO Nework. For the first 30 days of the policy the maximum coverage for sicknesses is $1000.00. /diplomat-america-insurance/ Diplomat Long Term: This plan is 3 month renewable. With this plan there is also no network and for the first 30 days the maximum coverage for sickness is $1000.00. /diplomat-long-term-insurance/ WorldMed: This plan is renewable and also has the MultiPlan PPO Newtork. This plan also has coverage restrictions which are located in the brochure under the section titled Coverage Limitation. /worldmed-insurance/ Quotes can be found in each brochure and has also been emailed to you. If you have any questions please feel free to call.
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Q:inquiry about the insurance for my kid I am a visiting scholar from China in University of Tennessee in Knoxville. I purchased your insurance of Inbound USA this Feb. My kid is coming to stay with me for a year, I would like to buy the same insurance for him. I have following questions: 1. May I buy the individual insurance for him or depend on me? 2. If I buy the $0 deductible and $50.000 plan for him, which hospitals can I choose in Knoxville, near UTK? Or under this kind of insurance, may I register a family doctor for him? I appreciate your help very much. Best

A:
1. Yes, you can buy the insurance just for him. 2. You can visit any doctor you like. You can buy it online at /safe-travels-elite-insurance/ Thanks so much for your reply. I have some more questions to ask, thanks for your patience. The case is I choose the $0 deductible and $50.000 plan of Inbound UAA for my kid. The following situations, could you please let me know about the payment? 1. If my kid catches a cold or cough, we go to see a family doctor in konxville, it costs me $30 for the visit of the doctor and the pills, how much should I pay and how much should the insurance cover? 2. If my kid get a fever in midnight, and we go to the children's hospital in knoxville for emergency, it asks $300, then how much should I pay and how much should the insurance cover? 3. If we face to an emergency and an ambulance service is needed, if it askes $3000, will this fee covered by the insurance? I will appreciate your hlep. Sorry for the trouble, I just want to make sure to set my heart at rest. Best Inbound USA is very basic insurance. Once you pay the deductible insurance will pay as per the scheduled of benefits and difference you have to pay from your pocket. Inbound USA brochure, instant purchase, how plan works and other useful information, /safe-travels-elite-insurance/ Please review this and 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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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?

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New immigrant to USA?

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

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Going on a vacation?

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

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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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Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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