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Ask Our Specialists

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

Q:As per TAMU J1 visa health insurance requirements, Deductible not to exceed 500 per accident or illness. How do I decide and choose this amount while purchasing the insurance?

A:
As long as you don't choose a per Accident illness deductible that is greater than 500 you can qualify. you can choose the deductible on some plans while the others have them set
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Q:According to the J1 insurance requirement by TAMU, "Co-insurance not to exceed 25% of the expenses occurred per accident or illness". But your J insurance plans mention co-insurance as 100% or 80/20. Are those same? I'm not able to understand that. Could you please clarify?

A:
All the plans in the J1/J2 Exchange visitors section of the website will meet the minimum insurance requirements set for J visa holders. The optional co-insurances on the ExchangeGuard plans (100/0 and 80/20) will not exceed a 25% co-insurance (75/25). Either co-insurance would meet that requirement, however we always recommend a co-insurance of 100/0 as it will always pay out more if something were to happen. The co-insurance is just the percentage that you pay v.s. the percentage that the insurance pays. For further clarification, here is an example of what each co-insurance would pay out for a covered expense: For a $100 doctors bill, assuming the deductible is $0, this is how each plan would pay. 100/0 - plan pays $100, you pay $0 80/20- plan pays $80, you pay $20 75/25 (25%) - plan pays $75, you pay $25 If you have any additional questions please let us know.
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Q:I need information on travel insurance for 2 groups of travelers May 5-June 11, 2024

A:
If you are looking for medical insurance for a group of 5 or more people, you can run a quote in the Group Travel section of the website. You can also learn more in our article for Group Travel Insurance. For specific inquires, please email us at info@insubuy.com or call 1(866) 467-8289 to speak with an agent. If you have any additional questions please let us know
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Q:hello. i am 25 years old and i study at New Mexico institute of mining and technology. i was wondering what are your cheapest options for my insurance that align with the university rules and how much are they per month. thanks

A:
If you are coming to the United States on a J1/J2 or F1/F2 visa, and your school has insurance requirements you need to meet, please sent those requirements to info@insubuy.com so we can recommend a plan that will meet those requirements. If you have any additional questions please let us know.
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Q:Is the travel medical insurance per person or for the family Im in Florida but traveling to Colorado.

A:
You can purchase together as a family if you would like, however if anyone has a different citizenship it is recommended to purchase their plan separately. There is no price advantage to purchasing together. Please be advised that Travel Medical Insurance plans are designed to cover someone traveling outside of their home country. Trip Insurance can cover the non-refundable costs of your trip as well as some unexpected medical costs. If you have eligibility questions please call our office at 1(866) 467-8289.
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Q:If I cancel trip a month in advance do I get the cost of the travel insurance back

A:
This depends on the type of insurance you get. Insurance that will cover only medical costs can be cancelled anytime before the effective date of the policy for a full refund, and has varying cancelation policies if canceled after the effective, depending on the plan. These plans can be found in Travel Outside U.S.A. or Visitors to U.S.A. The other type of insurance is Trip Insurance. This type of insurance can offer coverage for the non-refundable costs of your trip as well as medical costs that may arise. Most of those plans are only refundable within the first 10 days of purchasing the plan. If you have any additional questions please let us know.
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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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