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

Q:Need visa letter for Schengen visa insurance dear sir, i am going to apply for schengen visa for german.their asking medical insurence for myself and for my wife.also in the aplication they have mention we have to produce original and photo copy of medical insuarence copies.so if i buy from u as i live in uae how i get a original documents.nationalty is sri lankan thanks

A:
Once you buy the insurance, you can download the original visa letter from /myaccount/
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Q:International student insurance for Purdue University I would like to purchase "Study USA A , travel Insurance Services" Insurance plan as an International student at Purdue University, IN. After I purchase the insurance plan I would like your insurance company to fill a Waiver Form for Purdue and fax it back to them before September 6th. I want to make sure that you will fax the waiver forms after I email them to you. And please provide me with a email address that I can email the waiverform. Thank you please reply me soon

A:
You can buy Study USA at /study-usa-insurance/ After you purchase the insurance, you can fax us the waiver form at (972) 767-4470. We would be glad to get it completed and fax it back to your university. Thank you very much for the fast reply. I was wondering if I email you the pdf format of waiverform (after I filled my information ) if you will be able to complete and fax it to my university. Thank you, Yes, as long as you fill all your details and sign (if required), you can email that form to info insubuy.com Hello. I have a question. I want the insurance to have the coverage from August 25th till december 24th. (4 months) but through the website it says I can not select August 25th now that its passed. That is the requirement at Purdue. If I pay for 4 months from August 28th till december 27th 2008, would you be able to change the settings and make it match my time frame? Please email me soon as I am trying to purchase this insurance tomorrow. Thank you. You can only make the effective date at any time in future. You can't have the effective date in past. You should have applied earlier in time. No company back dates the policy. Oh really? there is any other alternative to this? I could pay for the past dates. It only require to be in writing to satisfy the university requirement. I got caught up with other things and didnt expect this to happen. I would greatly appreciate if you could let me know if there is another alternative that we can do through purchasing your insurnace package. I appreciate your reply. Sorry, we can't do that.
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Q:GMI Silver questions 1. I bought GMI Silver from you. I want to get more explanation of outpatient benefit. It is stated USD 70 per visit, max 25 visit. Is it subject to deductible, as my deductible is USD 1000, does it mean the outpatient benefit is useless? 2. Is it possible to add more member to a family? My husband may want to join under the same policy.

A:
1. Yes, it is subject to deductible. However, deductible is annual (once a year). Therefore, outpatient benefit is still useful. 2. You can't really add the family members (there is no advantage in doing that.) You can buy a new one at /expatriate-health-insurance/ Say, someone goes to doctor (outpatient) 20 times during the year, total per visit is USD 60. Does it mean he can claim the USD 1200 less USD 1000 deductible? Does he need to submit the bill everytime he visits the doctor (even it is only USD 60), or can he accumulates and once it is over USD 1000, submit all documents at once to the insurer? Does the limit including medical prescribed by the doctor? It is really confusing. I need to understand before buying one for myself. Thank you. In that case, the person would get $200 ($1200-$1000). You should submit the bills as and when you use the insurance. Prescription drugs coverage is separate. Please let me know if you have any other questions. No. you did not answer my question. Do I need to declare to the insurance company everytime I go to visit doctor, although the bill is only USD60, and it is not going to be reimbursed by the insurance company? IF not, how can the insurance company know that my accmulated bill has reached above the deductible limit? Or I keep the bill myself, and then when the limit has reached over USD 1000, I send all the bills in one package to the insurance company to get reimbursed for the balance? You should submit the bills as and when you incurr the expenses. That is the only way insurance company would know how much you have spent and count it towards the deductible.
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Q:travel health insurance My husband and me will be in Puerto Vallarta, Mexico from October 31, 2008 until April 3, 2009. We are both covered by Medicare & Medex which does not cover out of country. Is there any health coverage you can offer at a reasonable price to cover us in case of an emergency while we are vacationing in Mexico? My husand is 72 and I am 70.

A:
Please look at Patriot International at /patriot-international-lite-insurance/ Please let me know if you have any other questions.
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Q:J1 visa insurance for UCF I want to purchase one insurance plan for me and Mrs. I am a J-1 visa holder, a post-doctoral scholar at University of Central Florida. I will arrive at US at the earlier of September. My question is, after I purchase my insurance plan online using credit card, could I fill the "J exchange visitor insurance compliance form" for me and mail it to the address indicated, such that the university could aknowledge my insurance. This is the first time I come to america, so I have confuse on this, and hope this would not bother you.

A:
Yes, our Visit USA plan meets all the requirements of J1 visa insurance at UCF. You can buy it online at /visit-usa-insurance/ After that, fax us the compliance form at (972) 767-4470. Please let me know if you have any other questions. Thanks very much for your kind reply on our query, I will purchase one plan for both J1 and J2 today or tomorrow. Attached please find one copy of our filled compliance forms, could you print them and finish your part, then fax them to the assigned number on them? Let me know if any problem with these forms. Best wishes! After you purchase the insurance, you send those forms to info insubuy.com
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Q:Health insurance queries - pre-existing conditions Dear Sir/ Madam: My in-laws are visiting me for 5-mos starting next week. I'm planning to buy the Patriot or Atlas plan from your website. My father-in-law is 62 yrs old and mother-in-law is 57 yrs old. They are in good health. They underwent lots of tests and thorough checkups before buying their tickets and everything is normal. No BP, no diabetes nothing. The only thing that comes to my mind is that few months ago my father-in-law had pulled up a hamstring while visiting a temple. He was treated for it and is pain free. Now for some reason if his pain flares up while in USA, will it be treated as a preexisting condition or as an emergency? If the doctors find the pain has nothing to do with the hamstring pull but something else, how does the insurance treat this scenario? If the doctors find that the pain is due to something that was not diagnosed earlier, does insurance cover it? I hope you get my questions. Please advice. Thanks

A:
Recurrence of a pre-existing condition is considered as pre-existing condition and not covered, even if emergency. Please read /visitor-medical-insurance-pre-existing-conditions/ for more information. As long as the treatment records in the US indicate that the condition was not related to pre-existing condition, it would be covered. You can purchase Patriot America online at /patriot-america-lite-insurance/ Please feel free to contact us at any time if you have any other questions.
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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.

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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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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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Most schools require international students to purchase health insurance.

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