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Ask Our Specialists

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

Q:travel insurance inquiry need to apply for a travel insurance with your company. i will have a stay of 01year in the US in montgomery Alabama . citizenship : morocco home country : morocco tarvel from morocco to USA insurance is for my family: spouse : born 31 jan 1971 enfant :02 dec 2002 22 feb 2008 maximum applied US$1.000.000 with US$2500 deductible i need a proforma invoice explaining all the issues with your bank account to give it for my officials so that they pay for me. if not possible i need an application document with the informations the cost and the entire offer. in that case i will apply once in america just before my family arrive.

A:
What will be your and your family's visa status while stay in USA? I need to know that so we can suggest some plan accordingly. our Visa is an A2 class Multientrance the purpose of travel is military studies TX a lot You can purchase Atlas America plan for them. 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. If you go for $1milion coverage with $2500 deductible premium would be $1,836.95 for whole yr. This plan is called Family Friendly plan so if one parent insured child under 9yrs get free insurance.
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Q:Visitor travel insurance To whom it may concern. I am a 23 year old male and intend to motorbike from NYS to LA between the 28th of April and the 22nd June and am interested in obtaining a quote for medical/travel insurance. I will arrive into Toronto on the 28th of April and cross the border into New York State within two days. I will then motorbike across the US and am flying out of LA on the 22nd of June. I currently hold a NZ learners licence for a motorbike and in my country this restricts me to riding a motorbike of only 250cc because we have to progress through the classes of learners, restricted and full licence in order to qualify to ride a bigger bike. However this takes several years. And even though I have been riding motorbikes for 5 years, insurance companies in NZ will not insure me if i intend to ride across america on say a 600cc motorbike. Given that in the US there are no restrictions on the size of bike a person can ride nor are there rules surrounding progressing through the classes of several licences, would your company be willing to insure me if I rode a 600cc?

A:
Thank you for your interest in purchasing insurance through us. You would be eligible for our Atlas America plan because our policy wording does not have any restrictions when it comes to licensing or cc size for motorcycles. However please note, you should add the Hazardous Sports Rider if the event he is participating in is considered an "Amateur Race" (Professional races are not covered under any circumstances). 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.
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Q:sport insurance Good evening, I'm Italian and i'd like to buy a visitors health insurance for my USA travel. I'm a female, 25 years old and i've no clinical pathology. I'll be there (San Diego, California) from 05/13/2011 to 06/30/2011 and i'd like to train brasilian jiu jitsu (something like Judo) because it's my sport from two years. Can you suggest an insurance for me? I read on your web site about " Atlas Travel Series With Hazardous Sports Ride", is it ok for my requirements? Would you directly pay my health care if i had any problems? waiting for your reply

A:
Hello, You can purchase Atlas America. As long as the sport is not for compensation it would be covered. As long as you stay in the network they should be able to arrange for direct billing once you pay your deductible. Thanks for your reply. if i choose deductuble 0$ should you pay for everithing? What means "network they should be able to arrange for direct billing"? I'll live in San Diego and i'll train there. Thanks Yes. Atlas America as long as you go in the network and provider billed to the insurance company directly after the deductible it covers 100%. If you go out of network and provider don't billed to the insurance company directly then its80/20 for first $5,000 of medical expense. 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.
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Q:Visitor insurance for my parents Hello, As expected I am looking for visitor insurance for my parents who will spend little time in the USA. I have looked at your website, which I must say is very informative. However I wanted to clarify few things. 1. My parents are aged 65 and 59 and will be traveling to UK and spend about 2.5 months there before coming to US. 2. Their travel dates are 09-May-2011 depart India, stay in UK till 23 Jul 2011 and leave for US. Stay in USA from 23-Jul-2011 till 15-Oct-2011 reaching India on 17-Oct-2011. So they need coverage both in UK and USA. The plans offer international coverage but don't give specific details about countries and network. So looking for additional details if a single policy will do or if I need to get 2 separate polices. Thanks for your help.

A:
Thank you for your interest in purchasing insurance through us. You can go for some plan that is International coverage. In the Fixed category you can go for Visitors Care and Comprehensive category you can go for Atlas America. Concept of PPO network only in USA. Outside USA there is no PPO network. Person is free to visit any dr.any hospital. For dr. visit it depends on dr. office if they want to billed to the insurance company directly or not. But for hospitalization it will be direct payment through insurance company. You can do two separate application for father and mother. So for some reason if person needs to leave early or second person need to extend the trip you will have more flexibility. Here is the link for our website, / I hope these answer your questions. If you have any further questions, please feel free to contact us.
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Q:visitor to usa medical insurance Hi I have just discovered your company online and would like to confirm a few points before proceeding with an online purchase. My wife is a US citizen, living in the UK with dual citizenship. We are visiting family and friends in Connecticut from May19th to May 30th. All flights are paid for in full. Does your visitor insurance cover my wife for Medical insurance during her stay, including pre-existing medical conditions? She is currently taking medication for High Cholesterol and High Blood pressure, as a result of receiving Coronary Angioplasty 3 years ago. The plan I have seen through another web site states that pre existing medical is covered for Unexpected Recurrence. The plan also states it is for Secondary Medical Coverage....what does that mean? Finally I read something about paying the difference to the cost of treatment and the Network cost, what does this mean? Many thanks for your help. Best Regards

A:
Hello, There is no plan that would cover your wife for pre-existing condition. There are a couple plans that would cover her but they will only cover the NEW illnesses and accidents that occur after the effective date. /safe-travels-usa-comprehensive/visitors-insurance/ /atlas-america/visitor-medical-insurance/ If you have any further questions please feel free to call.
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Q:Pregnancy visitors insurance Hi there, I need to ask you if pregnancy is covered for the non US citizen (Visitor) and considered a covered pre existing condition. Does your company have a direct claiming with any hospital or at any state? Please advice. Many thanks,

A:
Hello, There is no plan that will cover pregnancy. It is excluded under all plans.
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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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International student in the U.S.?

Most schools require international students to purchase health insurance.

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