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Ask Our Specialists

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

Q:Insurance for France My wife and I have an apartment in France. Among other travel, we go to France about three times a year for about a total of 35 days a year now. We hope to increase the time we spend there over the next several years. If all goes well, we will be there for a three months or so at a time several years from now. We have US based health insurance. We need some advice at to what insurances you may have that we need to have in place. I should also explain that we have a 14 year old daughter who goes with us most of the time. Please advise us as soon as possible.

A:
As a broker, we have several different insurance plans available for your situation. You can find all of them at /travel-health-insurance/ Enter the details such as dates, policy maximum, age etc and you will see prices from several companies. You can compare them side by side and make an instant purchase of the one you like. First 3 plans listed are pretty good, in particular.
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Q:Mutliples trips to USA and Canada We are citizen of Canada. My wife & I are relocating to Mexico,& we wish to purchase health & medical insurance for trips to the USA & Canada. Thank you in advance for your response.

A:
Please look at Annual Multi-Trip medical insurance plans at /annual-multi-trip-travel-insurance/ Those plans are good for traveling outside country of citizenship. Also, please look at /patriot-america-plus/visitor-insurance/ for your single trip back to Canada.
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Q:Term life insurance for non-US residents Do you know of any life insurance coverages available from US companies for term insurance if I am residing for a period outside the US. I am trying to do a little forward planning for my wife in case of my death between that time and the time she would qualify for various pension amounts both in the US and outside.

A:
Thank you for your interest in purchasing term life insurance for yourself. Only one that we know would be available to you is 'IC+ Term Life' from 'Multinational Underwriters' that is based in Indianapolis, IN. Please visit /specialty-insurance/ and look at the last product on that page. You can look at the brochure, and you can actually get instant quotes and apply online. Did not know where to post this, so am trying here. Insubuy web site seems to say no (for purchase online) for India residents who are US citizens for any term insurance. Is there an alternative to get a simple term insurance from any source? - am a US citizen living and working in India for the next few years. Thank you. Sharad
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Q:Protection America vs. Patriot America I am bringing my mother to US, she is 60 yrs old, a diabetes patient (presently under control) please let me know which insurance plan is better, for your info I got following result from the web site, please advise which one is best. Protection America $ 794.20 Patriot America $ 782.00 Am presently on vacation in India. Would appreciate you mail your response ASAP. Please also let me know whether getting the insurance from US is better or India. If India please let me know the best company to go with.

A:
Protection America is better version of Patriot America. You can make instant purchase of Protection America at /patriot-america-lite/visitor-insurance/ It is better to buy insurance from US company (or at least the company with US administration) as you get health insurance, it has PPO network, direct settlement of claims, renewable, refundable etc. which you may not get if you buy from India. Also, both Protection America and Patriot America are comprehensive coverage plans. (/visitors-insurance-comprehensive-coverage-plans/) while many plans from India are fixed coverage plans (/visitors-insurance-fixed-coverage-plans/) for ages over 55 years.
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Q:Life insurance for Spain I would like to apply for a life insurance for my wife and me. My wife is Serbian citizen I'm German. Both we live in Spain. Is there any other payment option as credit card? We never pay online, by phone or fax. Please advise.

A:
Please look at 'IC+ Term Life' insurance at /specialty-insurance/ You can either pay online using credit card (It is Verisign secure website). Or you can download a paper application and send it to us along with the check, money order or credit card information.
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Q:Precertification in Protection America What is "Precertification Information" under Protection America Plan and when it will be useful.

A:
That just means that in case you need to get some major treatment, MRI, CT-scan, surgery, hospitalization etc, you have to first call IMG at the number at back of insurance card and inform them.
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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.

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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