Ask Our Specialists

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Thank you for your interest in purchasing international major medical insurance (IMMI). Please be assured that we as a broker work for you, and not for any insurance company. We always suggest you the plan that would best suit your requirements to the extent possible. However, for 80+ age, there is not much choice or flexibility available. 1. It is exactly not very new plan. It has been around for some time. However, we recently added that in our quoting engine. (Due to its different pricing structure, however, we could not provide the quotes on our web site in the comparison itself. That was the reason we didn't add that until recently in our quoting engine.) Yes, it is a good plan. Please note that most people never both to inform us if everything is going smoothly. People contact us only when they have a problem. And so far, we have not received any complaints about it. That should be considered as good news. 2. That is correct. Once you purchase the plan, there is no refund. That is the rule insurance company decided to make for this product. Unfortunately, we are unable to change that rule, unless they change it for everyone in future. 3. That is correct. The plan is not renewable. If they extend their trip, you can purchase the same plan again. Anything that occured within the previous duration would be considered as pre-existing condition and not covered. WorldMed has severe limitations even for the new medical conditions. IMMI does not have those many restrictions. We continue to pursuade them to try to make it renewable/refundable, but until that happens, it is neither refundable or nor renewable. That may never happen. Overall, IMMI is the best plan you could purchase for that age. You can purchase it online at If you have any other questions, please feel free to contact us at any time. appreciate your prompt and clear response. A few more questions: 1) Is there any insurance you offer in this age-range that will cover pre-existing conditions? I've seen some websites (like kvrao) that claim to provide this, though it looks to me like the coverage is very limited. I know kvrao is a competitor but are you familiar with them? 2) Is IMMI clearly a comprehensive coverage plan? Are there any exceptions? I found out luckily through your agents for example that Diplomat America has a $1000 max for the first month! 3) How long has Insubuy been in business? After the sale, will I have your willing and ready support if there is a problem with a legitimate claim? Thanks for your help. 1. There is no plan for that age that would cover pre-existing conditions. 2. I suggest you read the brochure at /international-major-medical/travel-insurance/ Cardiac and cancer related conditions are covered at $25,000 max. If the person never had a history of those, they can be increased to policy max, at additional price. 3. Insubuy, LLC. was incorporated on December 27, 2000. Yes, we are available before, during and after the sale to help you with any service related or claim related matter you need help with. We as a broker, work for you, not for the insurance company. Please let me know if you have any other questions. Based on our discussions last week, I have decided to purchase the IMM insurance for my parents and went on your website to do so. I completed all the questions about each of my parents health situation and received two emails from 'Jimmy Petersen' giving me links to follow to purchase the insurance. I went through these links to try to complete the process, but the problem is that everything is in my parent's name and there is no place to put in a different name for billing than the insured person's name. We are paying for my parents' insurance with my husband's credit card. When and how can we enter a different name for the credit-card payment than the name of the insured? Please let me know asap how to proceed since I want the insurance to be effective on 9/1/11. Thanks. Billing information is not needed. Just enter the credit card number, expiration date etc. Please let me know if you have any further questions regarding this. But isn't it a problem that the name on the credit card is never asked for? Will the charge go through just based on the number? Usually name on credit card and number are both required, aren't they? I agree that most places ask for the name on the credit card. However, that depends upon how each company's credit card processing system is set up. I double checked with PIU and they said it is fine to just enter the information that is asked for and as long as it goes through, it is fine. Please let me know if you have any other questions. 1. There is no plan for that age that would cover pre-existing conditions. 2. I suggest you read the brochure at /international-major-medical/travel-insurance/ Cardiac and cancer related conditions are covered at $25,000 max. If the person never had a history of those, they can be increased to policy max, at additional price. 3. Insubuy, LLC. was incorporated on December 27, 2000. Yes, we are available before, during and after the sale to help you with any service related or claim related matter you need help with. We as a broker, work for you, not for the insurance company. Please let me know if you have any other questions. Does this mean that cardiac and cancer should not have been one of the pre existing conditions? That's right.

Both of the conditions/activities listed below would be covered with the Hazardous Sports Riderâ€"the air transport from high altitude would pertain to the local ambulance benefit. However, please note the AD& D benefit would be deleted for the items listed in A-J on the Hazardous Sports Rider's declaration page (15). You can purchase it online at /mount-kilimanjaro-travel-insurance/ If you have any other questions, please feel free to contact us at any time.

Look at /atlasamerica-insurance/ Thank you. I just glanced through and saw co-insurance 80/20 at one place and 100/0 while filing the form. Which is correct? I will explore this further and get back in case any further clarification needed. Thanks, If you go in the PPO network and they bill directly, it is 100/0. Otherwise, 80/20 to first $5,000 and then 100% to policy max.

Thank you for your interest in purchasing Atlas America travel insurance from Insubuy. 1. Atlas America participates in First Health and PHCS PPO networks. You can find the directory at /travel-and-student-insurance-ppo-network/ 2. Absolutely. You can always contact us at any time, before, during, or after purchase. We as a broker, work for you and not for any particular insurance company. You can purchase it online at /atlasamerica-insurance/ If you have any other questions, please feel free to contact us at any time.

There is no plan available that would cover his cancer related expenses.