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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:Expatriate insurance Dear Sir/Madam, I’d like to inquire about global medical insurance for me and my family. We are a family of four: ages 42, 41, 7 and 5. My children and I are U.S. citizens and my husband is an Australian citizen. We currently reside in Hong Kong with no set time period to return to the U.S. I was looking at your coverage online and have a few questions: Is the annual deductible calculated per person or for the whole family? What does ‘50% reduction within PPO’ mean? Does our health insurance carry with us when we travel to other countries or would we need travel insurance if we were to travel outside of Hong Kong? Do you offer a combination of health and travel insurance on an annual basis? Are there any countries in the world excluded from coverage? Many thanks for your assistance.
Q:Citizen secure questions We are considering purchasing CitizenSecureSM International Major Medical Insurance but have a couple of questions. I am 49 and my husband is 52,. We are very active and live in Belize. My husband is British and I am Canadian. Basically, although we live in Belize, we do not actually reside here. Technically we do not reside anywhere and are perpetual tourists. We are self-employed and our business is offshore. We are wildlife photographers and work wherever we happen to be. One of my questions is about repatriation in the event of death. Where would we be repatriated to in this event? Would we be able to nominate a country, ie. Canada? My other question is about the sports coverage. Are any sports not covered if we get the optional sports rider and are their any limits on the activity allowed in any individual sport, ie. heights for skydiving? or depths for scuba diving? or, indeed any others?
Q:Evaucation insurance for trekking trip I am looking for specific insurance for my trekking trip to Nepal in December. I need insurance for an emergency (helicopter) evacuation from the trek in the even a disaster happens, medical or other. I have international medical insurance already, but I need the emergency airlift/evacuation insurance. I've read your website info but I can't seem to find this coverage specifically. I will be with my wife, daughter (16 years old), another family of 5, and it will be a guided trip. Best regards
Q:Evacuation insurance for diseases Hello, I plan to buy - if possible this week - an insurance from you. Regarding the Emergency Medical Evacuation (that would be from Brazil back to the US), I do not understand the exlusion : "disease of any kind" (second bullet). If any disease is axcluded from the evacuation plan, what's the use of being covered ? I think I miss something... THanks for your quick reply.
Q:Sports disability insurance I am looking for a $4 million disability policy for a player in Major League Soccer, who is signing an agreement August 10 to play in Norway for a club . He wants to get paid $ 4 million should the player get hurt so badly between August 10 and December 1, 2009 playing in Major League Soccer here in the U.S., that he can never play professional soccer again. I need a quote quickly. Sincerely,
Q:half time student eligibility I am an international student currently studying at Georgetown University. My friend introduced me "Study USA- Healthcare insurance plan" and you. I have a question regarding applying to a health insurance plan that I hope you could help me with. I am currently enrolled in Georgetown as a half time student for its summer program, and will be continuously enrolled as a half time student in the fall semester because I have to finish a required summer course which is an intership. Will I be eligible to the health insurnce plan, and if so when can I activate my insurance if I apply in the next couple days? I'd like to activate it on 15th August. Any help is appreciated.
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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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Healthcare costs are very high in the U.S.
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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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You are not eligible to enroll in Medicare for the first 5 years.
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The U.S. Department of State requires all J visa holders to purchase compliant insurance.
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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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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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