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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:About Patriot and Protection America plans I have purchased insurance from insubuy.com twice in the past for my parents. Last time I bought Patriot America. Luckily I never needed to use the insurance. My parents are again coming to USA and I am looking to buy insurance. They are reaching here tonight. Questions: There are 2 comprehensive plans by IMG, Patriot America and Protection America. Can you tell me if there is a significant difference between the 2 plans. The Protection America premium is about 100+ more than Patriot America. I am planning to buy the insurance today so that it will be effective starting tomorrow. I would appreciate if you could respond today. Thanks
Q:Wife on H4 visa coming for one month My wife is on H4 visa but she is comming to USA only for a month. As she is comming for only one month i don't want to add her in my insurance and pay even if she is not here. Please recommnd me a good insurance for her. And pls let me know the benifts also. I really appreciate it
Q:Visitors Care questions My parents are visiting me for 2.5 months. I want to buy insurance for them. I checked online - IMG is providing the cheapest coverage. Can you advise me on the following - 1. Do I have to make payments first, and then file claim, or do i just pay the deductible / Copay and hospital directly charges insurance company for the balance? 2. Is there a requirement to do medical checkup of the visitors? 3. How much would be the copay for each visit to physician? Thanks in advance.
Q:clarification regarding "protection America" Hello, I was looking for a good visitor's insurancefor my parents and found the information in your website to be very useful.I found "protection America" by IMG is most suitable for them.I also understand that you give good guidance and support in the matter.But I need the following clarification. Pre-existing conditions like BP/DIABETES even in the mildest form and complications on account of pre-ex are not covered under the exclusions clause.But other claims not associated with pre-ex are covered.That means a person is eligible for cover even though he/she has pre-ex conditions .Only thing is he/she will not get cover only for pre-ex and complications on a/c of pre-ex. But in the application for insurance at the end under CERTIFICATION, there is this clause. 'I DO NOT SUFFER FROM ANY PRE-EXISTING OR OTHER MEDICAL CONDITION WHICH I FORESEE MAY REQUIRE TREATMENT DURING THIS INSURANCE OR FOR WHICH I INTEND TO CLAIM UNDER THIS INSURANCE. What does this mean?Will such a declaration not amount to a false declaration and make the policy void .In that case no one with a pre-ex is eligible for any cover and take this policy.In that case, will not the pre-ex exclusion clause become irrelevant ? please clarify. Regards,
Q:Prescription drug discount card for pre-existing conditions Hi, I am planning to buy Insurance for my parents. They are immigrating to US. I am thinking to go with 100,000 max policy and 1000 deductible. I checked your website and seems like Patriot America Plus also has a prescription discount card. Can that card be used for the pre-existing conditions? Also their official address is in Ohio but they will spend most of the time in Minneapolis. Which state should I select while buying the insurance? Awaiting your reply, Thanks,
Q:International travel insurance I would like to to get the innternational travel insurace to start FEb 1st of this year.. is it too late to organize this? If not how do I go about doing this for one year? Thank You please email me its the best way to get in contact with me
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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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There are many advantages in purchasing from Insubuy® and no disadvantages.
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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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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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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.
Learn MoreAre 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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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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