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Ask Our Specialists

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

Q:My grandfather is 86 years old and have done bypass surgery 2 years prior. no other health issues.

A:
Thank you for contacting Insubuy for your insurance needs. You may view and quote insurance plans in the Visitors to the USA section of our website if he is on the visitors visa. Keep in mind the plans are designed to cover the new illnesses and injuries that are contracted after the effective date. They will exclude coverage for pre-existing conditions, preventative and routine care. Should you have additional questions or need further assistance you may call our office at +1 (866) 467-8289.
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Q:What dental work is covered under the Patriot Exchange Program - Worldwide

A:
The Patriot Exchange Program has two dental benefits that can be found in the Plan Benefits. Keep in mind these plans do not offer coverage for routine dental work. Unfortunately, such coverage would be unavailable. However, there is a discount plan available that is called Careington. If you are interested in purchasing or have additional questions you may also call our office at +1 (866) 467-8289.
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Q:Hello,Could you tell if you have dental plans for F-2 dependent (spouse)? F-1 is enrolled in OPT STEM.

A:
There would not be an insurance plan available on the market that would offer such coverage. However, we do have the Careington Vsiion and Dental Discount Plan available that will give you discounted rates on the providers normal fees. Feel free to look over the discounts available and compare by contacting your local dentist. If you are interested in purchase please call our office at +1 (866) 467-8289.
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Q:How do you pay for the medicine bills?

A:
The medical provider will either bill the insurance company directly or ask the insured to pay from their pocket. If the insured is asked to pay up front, they would file a claim for reimbursement for eligible expenses. 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:Hello,I am travelling to the US next month (Arrival on May 13). Should I buy the insurance close to that date or earlier (because of the fluid COvid situation)? How many days does it take for the insurance to be effective? In the unlikely event that my trip gets cancelled and I inform before the starting date, will I get a full refund (I am ok with paying any cancellation fees--would love to know how much cancellation fee is for Atlas Insurance).

A:
The cancellation rules and procedure for Atlas America can be found here. You may purchase the insurance a day prior to departure, as the plans can start as soon as the next day after purchase. 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:how do I get a 1095B form

A:
Thank you for contacting Insubuy for your insurance needs. The insurance plans we offer will not offer such a form for tax purposes. Should you have additional questions you may also 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.

Did you know?

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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