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Ask Our Specialists

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

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.
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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.
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Q:Does the visitor insurance (Atlas America) cover for the acute onset conditions such as kidney stones??

A:
We are unable to confirm if a specific illness meets the Acute Onset of Pre-existing Conditions definition. Coverage will always be determined based off of the medical records and doctors notes at the time of service. You are welcome to reach out to your specific claims department if you have questions regarding claims. Please let us know if you have any additional questions.
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Q:Does the Atlas America plan cover the ER visits and the medical evaluation treatment during the ER visit?

A:
This plan is primarily designed to cover new injuries or illnesses that were not present in the body before the effective date of the policy. ER visits for new injuries or illnesses can be covered 100% to the policy maximum after the deductible you choose. If you have any additional questions, please call our office at 1(866) 467-8289.
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Q:My father is about to travel from Australia to the USA. He suffers from AF ( atrial fibrillation) and high blood pressure. He is on medication for both of these conditions ( and is controlled ). If he was to suffer a heart related problem while overseas would he be covered ( insurance wise )

A:
Please keep in mind that visitors Insurance plans are primarily designed to cover new illnesses, injuries or accidents that either exist in the body or occur after the effective date of the policy. They are not designed to cover pre-existing conditions, routine doctors visits, or preventative treatments. Some plans include coverage for what is called the acute onset of pre-existing conditions. This coverage is there to help stabilize someone in the event there is an emergency situation that arises due to a pre-existing condition that needs immediate medical treatment. Another option you may consider is the Visitors Protect, this plan is the only visitors insurance plan that can include some coverage for pre-existing conditions. This plan must be purchased while the insured is still in their home country. If you have any additional questions, please feel free to contact our office at +1 (866) INSUBUY 467-8289.
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Q:Hi there, I'm Duyen, an incoming exchange student to Columbia University under F1 visa from Jan to May 2024. I am looking for an insurance plan that meets Columbia requirements. would appreciate if you could recommend a plan that can cover minimum requirements from the university. Thanks and I look forward to hearing from you soon. Warm regards, Duyen

A:
Unfortunately, there are not going to be any plans on the market that will meet the requirements set forth by Columbia, outside of what is offered by the University. If you have an additional questions, please call our office at 1(866) 467-8289
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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.

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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.

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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.

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