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Ask Our Specialists

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

Q:I need a Health Insurance policy that provides medical benefits of at least 100,000 per accident or illness, repatriation of remains in the Mount of 25,000, expanses associated with medical evacuation to the home country in the Amount of 50000, and deductibles can ot exceed 500 per accident or illness. Please advice on which policy I should purchase that convers all these requirements.

A:
If you are only needing insurance to meet the basic requirements for the J Visa, you may view and quote the applicable plans in the J1/J2 Visa Exchange Visitor Insurance section of our website. Should you have additional questions or need further assistance you may also call our office at +1 (866) 467-8289.
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Q:I am a F2 visa holder with an i-20 currently. I am looking for a health care insurance plan that can basically cover health issues and preventative care (for example, HPV vaccine).

A:
We would be unable to offer such coverage. If you are eligible for a domestic insurance plan, through your university or employer, it would be recommended to pursue coverage through them as they can typically offer such coverage. Should you have additional questions, you may also call our office at +1 (866) 467-8289.
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Q:Hi, My question is, we are currently J1 and J2 jolder. However, we are already going back to our home country particularly in the Philippines, to serve the 2 year residency there before we can be allowed to come back here in the US. Question is do you have any medical insurance available for us who is going back to our home country for that 2 years?

A:
There would not be a product available that could offer coverage within your home country. You will want to purchase an insurance plan domestic to the Philippines. Should you have additional questions or need further assistance please let us know. You may also call our office at +1 (866) 467-8289.
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Q:How do I submit the claim if the documentation given to me is not in English?

A:
You will still be able to submit it just the same. Attach the necessary information with the claim form to send to the claim department. You may also call them directly using the contact information on the form. Should you have additional questions, you may also call our office at +1 (866) 467-8289.
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Q:If I avail hospital services will the payment from coverage be paid directly to the hospital or will I have to make a payment and then get reimbursed ?

A:
This is dependent on how the hospital does their billing. Typically they will directly bill the insurance company, however, they may elect to ask you to pay from your pocket and file a claim for reimbursement. Should you have additional questions or need further assistance, please let us know. You may also call our office at +1 (866) 467-8289.
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Q:Currently we are in New Jersey and my parents will be travelling from India to USA this week.If we purchase visitors insurance and if we may to have to a different state within USA, does the insurance still work?

A:
Hello Thanks for contacting Insubuy. Most visitor medical insurance plans cover anywhere outside home country. You can also call us at (866)INSUBUY(467-8289) if you have any 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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Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

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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