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Ask Our Specialists

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

Q:I'm looking to purchase a 2 month comprehensive medical policy which can cover for Covid 19 treatment for a healthy 55 year old family member who will be visiting from outside the US. I'm debating between the Atlas America versus Patriot America Plus plans ($1 million policy with a $2,500 deductible). Besides the extra $100 cost for the Atlas America, the other downside seems to be that you have to get medical care within 24 hours for the acute onset of a pre-existing condition. The only upside for the Atlas America plan seems to be that it covers 100% after the deductible even for out-of network. Is there any other benefit for the Atlas American plan such as fewer claim denials, etc? Thank you!

A:
Please note that for acute onset of pre-existing conditions coverage, you need to take the treatment within the next 24 hours and that is true in all the plans including in Patriot America Plus as well as in Atlas America. You can compare Atlas America vs Patriot America Plus side-by-side. If you have any further questions, please feel free to call us during our regular business hours and we would be glad to help you.
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Q:I am a Australian and have been working in the US for the past 3 years on a work visa. In June I lost my job due to Covid cutbacks. I have a new job lined up but have to wait for my new work visa to be processed this could still take a few months. Is it possible to arrange health insurance for 3 to 4 months?

A:
You have not specified which state you live in. Please look at Short term health insurance International Major Medical Insurance Safe Travels USA Cost Saver Insurance
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Q:I am currently an international student at the University of Texas at Arlington. I visited your site to get a quote for health insurance but I keep getting empty results. Can you help me with quotes?

A:
Unfortunately, there is not a plan that we can offer you. You are required to have a plan that is PPACA compliant which you can only obtain from your university. It is recommended that you purchase from your university to be compliant.
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Q:All I need to know is this, do you sell insurance that's required by Costa Rica to cover COVID-19?

A:
We have travel insurance plans that would cover COVID-19 just like any other new sickness that occurs after the effective of the policy. COVID-19 travel medical insurance However, none of them currently provide the $2,000 in lodging expenses that are required by Costa Rica. We are currently working on coming up with such feature in a near future but not yet.
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Q:I am 80, my wife is 79 and we have been snowbirds to Florida for 15 years. Is there a USA carrier who is prepared to cover medical insurance for us for 4-5 months this coming winter?

A:
There are plans that you can purchase for coverage while visiting the United States. You can take a look at the Visitors to the USA section of the website that will provide you with the available options. It is recommended that you quote individually to see all of the plan options that would be available. These plans are designed to cover the new accidents and illnesses that happen after the effective date of the policy that occur after the effective date of the policy. Plans are available to anyone traveling outside of their home country.
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Q:Price of COVID insurance for 90 days. I have my own apartment in San Jose

A:
You are able to find multiple plans that will offer coverage for COVID-19 that manifests after the effective date of the policy. There are multiple plan options in the COVID-19 Travel Medical Insurance section of the website.
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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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