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Ask Our Specialists

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

Q:Travel insurance information Dear Sir / Madam, Kindly let me know how to apply for travel insurance & where to apply in India, How much it will be charged (can we apply online if yes write the web site name). I want to apply for Denmark visa, Do I have to apply for the same insurance with you. Please tell me all the procedure & formalities. Waiting for your swift reply. Feel free to contact us.

A:
Thank you for your interest in purchasing insurance through us. If you need coverage in Denmark. You need the Schengen visa insurance. You can purchase Liaison Continent plan, it meets all the Schengen visa requirements. Liaison Continent brochure, instant purchase and other useful information, /safe-travels-usa-comprehensive-insurance/ Link for All the Schengen visa insurance, /schengen-travel-insurance/ You can purchase either Liaison Continent or Atlas International. Please review this and if you have any further questions, please feel free to contact us.
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Q:Liaison Majestic Paper Application Dear Sir/Madam I am in the process of filling the required details in the paper application for Liaison Majestic for Visitors to USA Policy and I seek insurance coverage from the time the aircraft leaves Mumbai India for USA ( June 28, 2.50AM) to the time I land in Mumbai on (Sept 1, 1.00AM). My calculations indicate that I will be away from India for 66 days regardless of whether I use Indian Standard Time or Pacific Daylight Time The rates applicable to me as stated in the form are as follows Per month $411 Per day $13.69 1 Please confirm the total amount I need to pay. Is it $903.54 for 66 days or is it 917.88 for 67 days I am confused when I try to work it out on your website, as it shows $903.54 and later it changes to $ 917.88 Also would you help me in filling the paper application 2 What is meant by Destination? Do I insert San Diego Calif OR do I Insert Mumbai India? 3 What is meant by Length of trip? Is this the total duration I am away ftron India 66 days OR is it referring to the flight time from San Diego to Mumbai. I will depart San Diego on August 30 at 11.45 PDT and arrive Mumbai on Sept 1 at 1.00 AM IST My son will be paying the amount to SEVEN CORNERS in US $ I await your answers, and thank you in anticipation

A:
Thank you for your interest in purchasing insurance through us. If you are leaving India on Jun 28th, you have to starts the coverage from Jun 27th to cover the travelling time. Same way you have to add one day while travelling back also. Coverage always starts from 12:01 AM EST. Not local time not PST. 1. Please provide the your age, what policy max. are you looking for? You can apply it online at, /atlasamerica-insurance/ Or give us a call so that we can process the application over the phone. 2. If you are coming to USA. Your destination should be USA. 3. Premium we can provide only if you provide you age, what policy max and ded. do you want? You can give us a call at 1-866-INSU-BUY(467-8289) or provide your contact number or your son can also call us. Thank you for replying to my queries From what you have stated in your email I understand that the payment to be enclosed Is $917.88, please confirm? My date of birth is Sept 25, 1935, which puts me in the 75 to 79 years group and the policy max is $60,000, and the deduction is 80/20. The monthly rate indicated is $411 and the daily rate is $13.69 Please confirm the above Would you please explain to me what is meant by Length of trip? With the above is confirmed I believe I will be able to complete the paper application to your satisfaction. I have spoken by phone to the suggested number. Though your agent was trying to be helpful, I was not able to understand because of the bad connection You don't need to do paper application. You can purchase it online at, /atlas-america/visitor-medical-insurance/ Click on instant quote and purchase and you can finished the application online and you will get the insurance confirmation by e-mail. Lenth of Trip means whatever duration you are planning to stay in USA. Please provide me the insurance start date and end date so that i can provide you the right quote. If you want you can give me your contact number so that i can call you and explain in details. I am unable to enclose the payment with the on line application My son Conrad who is in the USA will enclose the payment with the paper application. Once I have agreed the details in the paper application with you I will forward the paper application to Conrad who will then enclose the payment and forward it to you. This is how I did it the last time I visited him in the USA. If you have a better suggestion please let me know. I will leave Mumbai on June 28, 2011 at 2.50AM IST and return to Mumbai on Sept 1, 2011 at 1.00AM IST I will arrive my destination San Diego Calif on June 28, 2011 at 4.52PM PDT I will depart from San Diego Calif on August 30, 2011 at 11.45AM PDT Based on the above scheduled times my duration of stay in USA will extend from June 28, 2011 to August 30,2011 You can download the Liaison Majestic application from /atlas-america/travel-insurance/application.pdf The rates are provided in the application itself. Thank you for confirming the use of the paper application. This is what I was attempting to do but could not proceed because some of the words/expressions in the aplication required your explanation. Now that these have been explained I can proceed. However if I get stuck I shall refer to you for your help again Sure
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Q:question about insurance to whom it may concern My wife is looking for a medical insurance. she is pregnant and she has F2 VISA. she came in USA on March in this year. she was born in 02/06/1976. would you like to send a quotes

A:
If you are looking for pregnancy or delivery insurance, there is no insurance plan available anywhere in the market. If you are looking to cover any new medical conditions, accidents or injuries that may occur after the effective date of the policy, please let me know.
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Q:US visitor travel/medical insurance I am arranging for my parents' US visitor travel/medical insurance who will leave India on 11th June 2011 and will stay up to 3rd Dec. 2011 9@ 6 months) Their last month's medical reports are perfectly normal so; I am not worried about them much but still it will be better to have their visitor insurance so; could you please suggest me better plan for them? Father - 1945 Mother - DOB - 1948 IS any scope to terminate or extend the insurance term other than purchased period if we need to in any emergency condition? Please guide me ASAP so; that I can buy accordingly. Thanks, Vimal

A:
You can view all plans they are eligible for by filling on the form on our home page www.insubuy.com. We always recommend going with a comprehensive coverage over the fixed coverage. Atlas America is one of The best plans under comprehensive. It can be extended for up to a year, there is a $5 fee for each extension. It is cancellable should the insured leave early. After the effective date, provided no claims have been submitted against the policy, you can receive a pro-rated refund minus a $25 cancellation fee. If claims have been submitted there is no refund. You will receive an email shortly with a link to the quote page. Please feel free to contact us if you have any questions.
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Q:Pre-existing conditions coverage Hi, My mom is planning to visit us from India and she is currently getting treated for lung cancer. She is getting medication from a doctor in India and is in stable condition. If I buy a insurance from you guys which has some pre existing condition coverage, what all will it cover? Would it cover if she gets sick for anything related to her cancer and would it cover anything that might not be related? Please let me know.

A:
No plan covers pre-exisiting conditions. There is a plan called Atlas America that covers the acute onset of a pre-existing condition. This means something that comes on without any warning and is a life threatening situation. For more information on this: Pre-exisiting condition faq - /visitor-medical-insurance-pre-existing-conditions/ Atlas America Brochure - /atlas-america/visitor-medical-insurance/ Acute onset coverage - /atlas-america/acute-onset-pre-existing-conditions-coverage/ There is no list of what is or is not covered, it is determined at the time of claim if something is related to a pre-existing condition. Please feel free to contact us if you have any questions. Please note that cancer is specifically excluded in case of Atlas America. And acute onset of pre-existing conditions coverage is only for people under the age of 70 years.
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Q:pregnancy insurance for non immigrants Hi there. Im visiting the usa from Pakistan on an a2 visa and ill be here for about 10 mnths beginning 16 may 2011. My wife and daughter will be arriving here in usa soon but not later then august 2011. Wifes date of birth is 29 nov 11 Daughters is 1 jan 2009 My wife has jst told me that she is pregnant and that its most likely her first month and the baby delivery dates shud be in mid feb. Both of them have an a2 visa. Can u please tell me which policy will suit us on a2 visa and non immigrant status, the max coverage shud be 400,000 dollars and cover her pregnancy and childbirth options too. Thnk u very much.

A:
There is no plan exist that covers maternity.
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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.

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.

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