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Ask Our Specialists

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

Q:Moving to USA My wife and myself are planning to move permanently to Colorado, sometime during 2007, to live near to our family. I am 68 years of age and my wife is aged 67. However, before we make any decisions regarding this move I need to know the cost and the details of Private Medical Insurance. Therefore I would be most appreciative for advice in this matter. Kind Regards,

A:
Please read /new-immigrants-medical-insurance-plans/ to understand the options available to you. After that, please visit /new-immigrant-insurance/ to see the available plans. You can get instant quotes, compare plans side by side and apply online. Please let us know if you have any other questions.
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Q:Schengen travel insurance - Denmark hi usa insuarance. i m very happy to find on net that man get insuarance policy throug internet.i am living in denmark änd my wife is living in pakistan some time my wife visit to denmark andf I hhave to buy schengen travel insuaraance for her.pleace tell me can i buy schengen travel insuarance for my wife from you.will danish embassy in pakistan will acept it.and do u have any office in denmark. i will be waitin´g for your answer. with best wishes maqsood ali

A:
Thank you for your interest in purchasing health insurance for your wife. No, we don't have any office in Denmark. However, you don't need to visit any office. You can apply for Schengen visa insurance online at /atlas-international/travel-health-insurance/ While applying, please select the 'Online Fulfillment' option and you can print everything right away that you need to take it to the embassy. It meets all the requirements of Schenge visa insurance. Please let me know if you have any other questions.
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Q:Visiting with family I will visit USA with my family (my spouse and my son) since the 15 July 2006 to the 31st August 2007 with a J1 visa. I shall be there as an exchange researcher in Oak Ridge National Lab, Oak Ridge, TN. I would like to receive a quotation for a medical insurance for the whole family for the above mentioned period, with a deductible of c.a. 100 $ and fulfilling the conditions of a J1 visitor. Thank you,

A:
Thank you for your interest in purchasing health insurance for your family. Please let me know the ages of each person in your family and I would be glad to provide you the quotes. Alternatively, you can get the quotes from /visit-usa-insurance/ Minimum available deductible is $250. Thank you for your reply. I would like to know the medical services that I could visit near my residential area (Farragut, near Knoxville city, Tennessee) if I decide to contract the medical insurance with your company. You can search for the providers in your area at /travel-and-student-insurance-ppo-network/
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Q:Visiting Kenya i am assuming you are the insurance broker that is in charge of all the health insurance companies listed on the website. is that true? i have a sister, who is a US citizen and is 71. she is visiting my other sister in kenya right now until January, 2007. i would like to buy insurance to cover her while she is in kenya. is that possible? please also let me know which the best insurance company is from all the ones listed on this website.

A:
1. Yes, we are the brokers for all the insurance companies listed on our web site. 2. Yes, that is possible. There are 2 types of insurance plans. Fixed: Cheaper and limited coverage Comprehensive: Better and more expensive Best one in fixed is Visitors Care. Best one in comprehensive is Protection America. You can look up all of them at /travel-health-insurance/ We have listed the plans in the order in which we consider them to be overall the best ones, in each category. Please let me know if you have any other questions. thanks for your quick response. i have downloaded the info on Protection International, which sounds like the best way to go for my sister, who is visiting in kenya right now. as i mentioned she is 71 and a US citizen. we need to cover her from june,2006-january, 2007 or maybe a little longer. i have a few questions. 1. it says that the monthly rate is $211 for someone in her age bracket. policy limit is $50,000. on the main website though, it said that with a deductible of $250, the annual rate was $1266. so which figure is correct ? $211 per month or $1266 for the year ? 2. it also says under Indeminity that it would pay $100 per person for each night that they are hospitalized. what if the charges are $200 per night? i am a liitle confused about that. i thought after we pay the deductible they would pay all the charges until we hit $50,000. is that correct? thanks for your time. hope to hear from you soon. Protection International is for US citizens traveling abroad. You need to look at Protection America. That is for non-US citizens. Premium is $249/month for $250 deductible and $50,000 coverage for 70+. Please let me know if you have any other questions. 2. Hospital indemnity is just the extra pocket change in addition to the actual hospital expenses. Outside US/Canada, you are covered 100% up to policy maximum after the deductible. 2 questions. 1. can my sister get a policy from Protection International in Kenya? do they have offices there? 2. how difficult is it to get bills paid if she gets sick in kenya and we have bought the insurance here? 3. it says that it would pay for sudden onset of symptoms from a pre-existing condition but then under exclusions it excludes the pre-exisitng conditions. so i am confused. please clarify. thanks, 1. You can buy from anywhere in the world as internet web site is visible from anywhere. It is not required to have physical office. 2. It is actually quite straightforward. You can call collect from anywhere in the world. 3. For US citizens, it covers sudden onset of pre-existing conditions up to $15,000. Please let me know if you have any other questions. thank you for your patience. a couple more questions. when you incur some expenses, then do you fill out the forms and send them in and then they remit the money that you have already spent ? or do you send them bills and they pay the hospital directly? is there an office in kenya for Protection International. where are their headquarters? and lastly who owns InsuBuy.com ? and how long has it been operating? thanks so much, 1. Claim payment: Read /international-medical-ppo-network/ 2. Protection International is from IMG. They have offices in US(Indianapolis) and UK. They don't have offices in all the countries. You can read about IMG at /international-medical-group-insurance/ 3. Read /about-us/ We are in business for over 5 years.
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Q:Insurance information I work for a company in Brazil that send short term workers to USA and I need some information about Insurance. We send J1 Visa (they stay 4 months in USA) and also H2B Visa (they stay 10 months in USA). Please send me those information to my e-mail.

A:
Thank you for your interest in purchasing short term insurance for US. You can look at Visit USA-HealthCare at /j1-visa-health-insurance/ You can get instant quotes and make instant purchase online. If you have any other questions, please feel free to contact us at any time.
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Q:Network in Schengen countries I'm applying for a Schengen visa and I need a insurance for about 1 month.I need to know about your ppo network in europe mainly in Schengen countries.

A:
Look at /schengen-visa-insurance/ We have several plans over there. Protection America and Patriot America have PPO network all over the world, including Schengen countries. However, that network is accessible only to the current clients. In other words, you will be able to access the network after you purchase it. Atlas America and Travelite don't have any PPO network. You can visit any doctor you like. Please let me know 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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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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