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

Q:Query - Visitors Insurance - Pre existing Condition. Hello, I have been reading at the discussions in the forum on immihelp. I may not have been able to read through all the posts so here is my specific query: I am planning on visit of my father next month and he has been treated for stomach problems in India. Does this come under pre-existing condition. How do you evaluate the pre-existing condition of a visitor. Thank You,

A:
Yes, that would be considered pre-existing condition. Please read /visitor-medical-insurance-pre-existing-conditions/ for further details.
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Q:urgent travel insurance inquiry Dear whom it may concern, I am an international graduate student currently enrolled in Texas Tech University. I am now in Madagascar for my Ph.D. work and looking for my travel insurance which I can still purchase from overseas. I was thinking of purchasing before I left Japan but Japanese insurance company only covers round trips that I will come back to Japan (after staying Madagascar, I will go straight back to Texas for my study). I am looking for something that covers my life, medical, accident, and maybe luggage (not necessary). I will have limited internet connection probably until very early Monday morning, after that, I will have internet connection at the end of January. So, it is urgent question. Is it possible for me to purchase travel insurance at your company in this situation? I yes, can you send me what's available and prices? If I can’t, do you happen to know any companies that may accept travelers who have already left country? I appreciate any help you can provide me. Regards,

A:
Dear whom it may concern, I have sent below e-mail, but forgot to put my trip duration. It is a little less than 2months. If need coverage only in Madagascar use the following link to view the available plans: /travel-health-insurance/ If you need to have coverage in U.S. as well as Madagascar also we will need to know what type of visa you will be on in the U.S. If you will be on J or F visa pease supply the requirements for your school.
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Q:Parents medical insurance HI, My parents are visiting us for 6 months arriving from India - 20March 2011 Departing to India 11Sep 2011 1933 1943 Looking for a comprehensive policy for their stay here. Can you send me some options. and also what are the formalities to be completed.

A:
Good morning. Thank you for your interest in purchasing insurance through us. We provide insurance from many companies. You can purchase Atlas America plan. If you go Atlas America with $50,000 coverage with $250 deductible form 03/20 to 09/11 Premium for your father would be $1408.00 and for your mother would be $976.80 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. Link for view all plan for visitors, /visitor-insurance/
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Q:Unable to buy insurance Hi - I was trying to buy patriot insurance at 12.32 am today 2/1/2011. I got following error. My credit card infromtion is correct. Can you let me know what is the issue? The following errors occurred during processing - Reason: Do Not Honor (Response Code: 05) Unfortunately, we were unable to process your payment

A:
Please give us a call at (866) INSU-BUY. We can try to process the application over the phone. When you get this error there may be two possibililies. 1. There may not be enogh money on credit card 2. If the amount is large sometime credit card company hold the transaction. You have to call your credit card then they will release the transaction and then you can try again. If you still get the error, please call our office we will be glad to help you.
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Q:International student insurance We are looking for Medication insurance as you discussed with him. We went through the Policy details. It seems very beneficial. Before purchasing the plan I have some quarries : Is INSUBUY itself a insurance company or it is mediator firm? If it is a mediator firm then under which company's policy we will get insured? And If we pay yearly then, do we get any discount on $ 461.00. If not can we go with half yearly payment? will it cost the same ? Thank you very much for your kind assistance.

A:
Thank you for your interest in purchasing international student health insurance. We, Insubuy, are insurnace brokers and the insurance company for Study USA-Healthcare is The Insurance Company of State of Pennsylvania (217 years old), member of Chartis, formerly AIG. It is an excellent insurance plan. Price is $38/month for students up to the age 24 years, as many months as you like at a time. Whenever you apply or renew the insurance, there is $5 renewal fee. Subject to that, you can either purchase for 12 months or 6 months or any duration you prefer. You can purchase it online at /study-usa-insurance/ If you have any other questions, please feel free to contact us at any time. Thank you for your kind response. Actually we are three friends to take this insurance. We all can pay yearly premium as you suggested to avoid $ 5 app fee on renewals. So what can be the further procedure to purchase the policy. Is there any other terms and conditions apply to policy while claiming the insurance ? Do you need any medical records from our side? If we are purchasing three policies, company offers any discounts ? You can purchase the insurance online at /study-usa-insurance/ There are no medical records requried. You will get the instant confirmation in the email, that's it. The terms and conditions are described in the brochure at /study-usa-healthcare/student-health-insurance/ and in the policy wording at /study-usa-healthcare-insurance/sample-documents.pdf Unfortunately, we are prohibited by law to offer any kind of discounts. Please let me know if you have any other questions.
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Q:Require information for student insurance I got i-20 from Oklahoma University(U.S.) for fall 2011 but i am really confused about the Health insurance.Could please help me out which insurance should i buy??? Should i buy from india Or U.S. Regards,

A:
Thank you for your interest in purchasing international student health insurance. It is definitely advantegous to buy from the U.S. You can look at any of the plans available at /international-student-medical-insurance/ Particularly, Study USA Health care is a good plan. Please let me know if you have any other questions. Wat should i enter in end date??? The date when you would like to end the coverage. As per ur knowledge should i go with 6 month or year?? Whatever your school requires. look i admitted for 3years in Oklahoma university for fire and safety engineering. plz suggest sum plans @wat is ppo?? You can buy one year at at time. You can buy Study USA Healthcare. It is a PPO plan. /study-usa-insurance/
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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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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

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

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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?

Purchase travel medical insurance that includes emergency medical evacuation.

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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.

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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.

Purchase international student health insurance that meets most school requirements.

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