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Ask Our Specialists

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

Q:Insurance in Turks and Caicos Islands I am a non US resident, and looking to purchase medical/health insurance for my family. We live in the Turks and Caicos Islands. Please advice me as to which plan is best for me.

A:
I believe that you are looking for annually renewable long term major medical plan. In that case, please look at /expatriate-health-insurance/ We have 5 different insurance plans available based on that webpage depending upon whether you want worldwide coverage, coverage exluding US etc. Once you enter your details, you will see prices for different plans and you can compare them side by side and make instant purchase of the plan you like.
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Q:Insurance for baby delivery Hi, I need this specific information very urgently.I am visiting chicago next month along with my wife I am on H1 and my wife is on H4 B. But my employer does not take care of my wife's insurance and now I am in dilema how to cover the insurance for my wife for all delivery in US. Do you know any information like who will be doing such insurances? Please let me know ASAP. Thanks a Million in advance Regards

A:
There is no such insurance, unfortunately. I would recommend that your wife stay in India until the delivery of baby, unless you have money to pay for it yourself (May be $15,000 to $20,000). Once her current pregnancy is over and baby is delivered, you can consider buying the Patriot America Plus plan
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Q:Comprehensive insurance for 2 months I intend to visit Utah state in USA to visit my son for 3 months. I am 59+ and got VRS as an officer from Central Govt. Corporation. I have been given 2 years multientry visa. Will you please advise me comprehansive health insurance plan with cost and coverage enabling me to arrive at a decision?

A:
Thank you for your interest in purchasing medical insurance from us. We have several different comprehensive coverage plans from different companies. Currently, Protection America from IMG is the best plan available that has big network of doctors and hospitals that accept the insurance and bill directly. It is renewable in case you extend your trip. Please look at Protection America at /visitor-insurance/ It is 3rd plan from top. If you take $50,000 coverage with $250 deductible, it will cost you $135/month. If you get sick or injured, you have to first pay $250 one time for entire policy period, after that insurance company pays 80% for first $5,000 expense, you pay 20% for first $5,000 expense (out of network, is 70% - 30%). After $5,000, insurance company pays 100% up to $50,000. If you want $100,000 coverage, it is $165/month. $500,000 is $199/month. $1,000,000 is $229/month You can also choose $100 deductible with 10% more premium, or $500 deductible with 10% less premium. You can make instant purchase right there.
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Q:Pre-Existing Coverage for my Daughter in India Is there any insurance compnay which provides insurance coverage for pre-exisitng diseases. Any information if the Group Insurance taken by the companies would cover the existing diseases for dependents.

A:
There is no insurance plan for visitors to USA to cover pre-existing conditions. For group insurance, you have to check with your employer what would be covered and what wouldn't be. Thanks for the reply. Does your reply applies to Aliens on L1 or work permit visa. Anyone who wants to buy short term insurance, it will not cover pre-existing conditions. Person can be a visitor, L1 holder, greencard holder, or US citizen. It does not matter. No short term plans covers pre-existing conditions.
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Q:a question on the limit Hi What is a minimum coverage that should be selected when choosing the insurance. I know , no one can tell , but am not sure about the hospital expenses here. Would 50,000 is a decent limit ???

A:
I reccommend $100,000.
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Q:Insurance help ! Hello ! I am considering buying visitor insurance for my parents. Which would be the best available insurance available in the market right now in terms of best network and someone whom I would not need to call each time my parents perhaps need to visit a doctor or get some treatment? Further, if I need help from the insurance agents taking part in replying to queries in this forum, would it be available?

A:
Protection America is the best visitors medical insurance. If you have any questions, you can reach us at 1-866-INSU-BUY (9 AM to 11 PM Eastern, 7 days a week.) Anyone that answers the phone call is a licensed & experienced insurance agent in USA as well, ensuring high quality of service.
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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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