There was a problem, please make the requested changes and submit again:

  • Search criteria is required. {{ error }}

Ask Our Specialists

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

Q:I am helping my son to renew his 2024 insurance his current ExchangeGuard Certificate Number is. I have question about Preexisting conditions. If he renews same policy for next year,. Does the precondition apply him and what is it Another question is price, how much he needs to pay to renew for 2024 full year Thanks

A:
A Pre-existing condition is any illness, known or unknown, that reasonably existed in the body before the effective date of the policy. Most plans will not cover any expenses relating to a pre-existing condition, however there are some student plans that will offer coverage for a pre-existing condition after a certain waiting period. ExchangeGuard Choice (your plan) will offer $500 in coverage towards pre-existing conditions after a 6-month waiting period. This means after 6 months you would be able to seek treatment for a pre-existing condition and receive coverage up to $500 dollars. If there are no pre-existing conditions that he has, then this benefit just simply will not apply to him. Finally, with this plan you must purchase the full year before you are able to extend it past a year. It will be the same per day cost no matter how many days you purchase it for and there is a $5 dollar extension fee. If you have any additional questions please let us know.
{{currentOrigin}}/answers/international-student-health-insurance/how-much-to-pay-to-renew-86568/

Q:Temporary Family Insurance for H1B visa workers

A:
Please explore our article on H1 and H4 visa Medical Insurance before purchasing a plan. Additionally, ff you are eligible for domestic insurance through you or your spouses work, you must take it. International Major Medical is a popular plan if you are ineligible for a domestic insurance policy. If you have any additional questions please call our office at 1(866) 467-8289.
{{currentOrigin}}/answers/new-immigrant-medical-insurance/temporary-family-insurance-for-h1b-visa-workers-71445/

Q:I would like to get 1095 A form for my insurance coverage or any document that states i was insured for visa processing.

A:
These plans are not ACA compliant and will not produce a 1095-A tax form. If your insurance needs to meet visa requirements, please send the compliance document you need filled out to info@insubuy.com. If you have any additional questions please let us know.
{{currentOrigin}}/answers/visitors-medical-insurance/1095-a-form-for-my-insurance-coverage-35612/

Q:Do i need to submit multiple claims if submitting claims for prescription drugs, Urgent Care visit and hospital visit or can i combine all together? i took my father in law to urgent care first which got refered to Emergency room later. We had to admit them to emergency room and then they got transfered to in patient room in same hospital. Please advice. Also let us know that if my credit card statement and pharmacy invoice is enough for prescription drug claim? thanks in advance

A:
For questions about a specific claims please call your claims department. The number can be located on the back of your insurance ID card, however, for your convenience I have provided it below. 1(866)696-0409 If you have any additional questions, please let us know.
{{currentOrigin}}/answers/visitors-medical-insurance/do-i-need-to-submit-multiple-claims-39902/

Q:I live in Taiwan and I am covered by Taiwan's National Health Insurance. However, it doesn't provide adequate coverage for certain major healthcare expenses (I'm not sure precisely which, but I've been told that includes serious cancers, serious traumas, costly implants or medical devices, etc. Presumably your experts have that on file or one who knows the Chinese language can easily find out. I'm happy to buy a policy from a Taiwanese insurer, but with my poor Chinese language skills I have had no luck with that so far. Can you recommend a suitable policy which doesn't duplicate any of the cover I already have under the National Health Insurance?

A:
While we do have agents who speak Chinese, we are unable to call on behalf of a client to find out what specific insurance that client needs. These plans are primarily going to meant for people who traveling outside their home country for at least 6 months. With that being said, the policies we offer in the Expatriate section will likely be very similar, or offer less coverage, than the insurance that is provided by the Taiwan government. If you have any additional questions, please email us at info@insubuy.com or call our office at 1(866) 467-8289.
{{currentOrigin}}/answers/international-private-medical-insurance/i-live-in-taiwan-and-i-am-covered-by-taiwans-national-health-insurance-48466/

Q:Which plan should the visitors purchase? The visitors are husband and wife (Chinese citizens living in Canada with their 2 children ages 8 and 4, and the children are citizens of Canada) Please advise, thank you.

A:
You are welcome to run a quote in the Visitors to U.S.A. section of the website to see what plans are available to you. Patriot America Plus and Safe Travels USA Comprehensive are popular options. If you have any additional questions please let us know.
{{currentOrigin}}/answers/visitors-health-insurance/which-plan-should-the-visitors-purchase-19847/

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.

Did you know?

Prices are regulated by law.

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

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More