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Ask Our Specialists

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

Q:Does Visitor's Care IMG cover car accidents Hi Does fixed care insurance cover any accidents (eg: car) and what amounts are covered. I know for emergency they cover $300 and doctor visits $50 but what about surgical costs associated with any emergency conditions (accidents etc). Can you please let me know TIA Ravi

A:
Visitors care or any other visitors medical insurance are secondary insurance. That means, * If you are going in the car, and have an accident, and if it is other driver's fault, his/her car insurance's liability part should cover it. * If it is your fault, if your medical insurance should cover it and not your car insurance. Typical scenario is that the visitor would be a passenger while the driver would be his/her son/daughter/son-in-law/daughter-in-law. In that case, visitors insurance will cover after the claim is submitted to the car insurance first. And as most people don't have medical coverage in car insurance (I myself don't have), and even if someone has, it is only as little as $2,000 typically, the health insurance will take care of it after that. As long as it is covered expense, Visitors Care will pay accordingly to the schedule of benefits described in the brochure, whether it is illness or an accident. I hope that answers your question. If you have any other questions, please feel free to post them here or contact us.
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Q:j2 insurance dear sir or madam: I wonder if I can buy insurances for j2 only? because j1 have already bought insurance from university. if can, how much is the premiums for 3 months? thank you in advance!

A:
Yes, you can buy it for J2 only as well. Please visit /j1-visa-health-insurance/ You can get all the details, get instant quotes and make instant purchase online.
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Q:Family arriving after a while Hi I will start my scholar training (J1) at the next February and my family will join me the next summer or even later. Can you suggest me what kind of insurance can be upgraded from one member to family insurance? :confused:

A:
You can buy for yourself now. You can buy for your familiy members later separately. Anyway, the price is per person and the coverage is per person also. There is no advantage in buying together for husband/wife. If you have children, make sure you buy for them along with your spouse as the rates are different for children alone and dependent children.
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Q:Insurance for new GC holder - 70+ yrs old Hello, my grandmother (71 yrs old) is about to receive her family based greencard and plans on moving to the US to be with the family. We live in Illinois. I am exploring the medical needs for her. She plans on moving to US permanently. 1. At her age, what kind of insurance can I get for her? 2. Do the county hospitals in IL treat people with no medical insurance? If so, what is the quality of such treatment? 3. As the sponsor of her GC, are we responsible for all her medical expenses? 4. What kind of assistance can we get for her? She has no pre existing condition except high blood pressure If anyone has had such experience, please do share. I appreciate any information about this. Regards MG

A:
1. Please read /new-immigrants-medical-insurance-plans/ 2. Please check with county hospitals. 3. Yes. 4. None.
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Q:j-2 holder insurance for pregance hi. I am a J-2 visa holder. my husband and I will go to USA February next year, we want to have a baby in USA. Question: Are there any insurances that cover my pregance, delivery program?and if i have to give a birth by operating ,is there any insurance else? Now i am not pregnant. thank you

A:
Please look at Global Citizen plan at /geo-blue-xplorer/expatriates-health-insurance/ If you don't maternity coverage, look at /j1-visa-health-insurance/
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Q:insurance payment options I want to know what are the methods of payment for having J1 exchange visitor insurance, starting Jan 2006 for 2 months. What is the fastest, safest and most recommended way to send you the money.

A:
The best way is to apply online at /j1-visa-health-insurance/ and pay using credit card. If that is not possible, you have to make the check, money order, demand draft or cashier's check in US dollars payable to 'Travel Insurance Services' and send it to us at InsuBuy.com 4700 Dexter Dr, Suite 100, Plano, TX 75093 USA If you have any other questions, please feel free to contact us at any time.
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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.

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?

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New immigrant to USA?

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.

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.

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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.

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