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Ask Our Specialists

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

Q:I have new i29 H1b visa and I am pregnant now I have to join the company this December and my delivery is expecting next year April. My attorney told me I would need a insurance to enter US. Is there any insurance plan for me I can pay the whole fees but the requirement of plan is the issue. Please advise

A:
We have plans available. If you can enter your information in this link we can quote all our available plans. The plans however do not provide coverage for maternity so this would be a temporary solution until you can get domestic insurance through your employer H Visa insurance plans: /new-immigrant-insurance/
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Q:My wife contracted respiratory virus during or after travel. Her symptoms started to appear 4 days after landing in USA. She had acute viral pneumonia and bronchitis (critically ill) that required admission to the hospital. She is getting currently treated and progressing well and we are looking for discharge today or tomorrow. I would like to check how the policy covers my hospital expenses.

A:
You have purchased the Patriot America Plus plan. For eligible expenses, after the deductible, this plan pays 100% to the policy maximum for new injuries or illnesses within the network. Outside the network, after the deductible, the plan will pay 80% to the first $5,000, then 100% to the policy maximum. It is advised to call the number on the back of your Insurance ID card as soon as anything happens to insure that you follow the correct claims procedure.
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Q:I am a US resident and leaving my job to backpack in New Zealand. Because I am quitting, I no longer have primary health insurance, which I expected I would not need as it would not cover me out of the States. I am planning to take out travel medical insurance, but it says it is secondary only. If something happens to me, will the insurance deny my claim because I do not have primary? Or would I just need to inform them that they are my only insurance?

A:
You do not need a primary plan to be covered by most plans in the Travel Outside U.S.A. section unless it specifically states that you need one. It is correct that you would just inform the insurance company, during the claims process, that you are only insured under one policy. If you would like assistance choosing a plan that is best for you or have any additional questions, it is recommended to give our office a call at 1(866) INSUBUY (4678289).
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Q:how much will insurance cost per month

A:
If you are looking for Expatriate Health Insurance you can run a quote in the Expatriate section of the website to see how much a plan will cost. Some plans have the option to pay monthly, quarterly, semi-annually, or annually. If you have any additional questions please let us know.
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Q:Can I extend the insurance if I have to delay my departure from the US?

A:
It depends on the plan, but in general, yes you can extend your plan if you get delayed going back to your home country. It is advised to check the Extension Rules for each plan before purchasing. If you have any additional questions please let us know.
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Q:I accidentally bought insurance I didn't need. if possible could you cancel my insurance?

A:
You can submit a cancellation request by logging into your MyAccount that was created automatically for you upon purchase. 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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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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