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Ask Our Specialists

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

Q:Affordable medical in burins for a relative arriving in the US

A:
Thank you for contacting Insubuy for your insurance needs. We have numerous plans available for who coming to the US on a visitor visa. You may view and quote the plans here. Keep in mind the plans will cover the new illnesses and injuries that manifest after the effective date. They will exclude coverage for pre-existing conditions, preventative and routine care. Should you have additional questions please let us know. You may call our office at (866) 467-8289.
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Q:I have afib. Has been treated for 10 plus years. It is stable. I have yearly medicals and no change to my meds for the past three years. Am I covered if I have an episode related to this condition? thks

A:
All plans on the market are going to cover new injuries and illnesses that manifest after the effective date of the policy. There is not a single plan on the market that will cover things such as pre-existing conditions, preventative care or routine maintenance. There is a benefit available in some plans that could serve as beneficial for you in the case of a sudden or unexpected emergency, due to a pre-existing condition. The benefit is called the Acute Onset of Pre-Existing Conditions and is available in numerous plan you may view on our website. In order for something to fall under this benefit it must meet its definition. You may read more about it here. You may view and quote visitor insurance plans here. Let us know if you have additional questions or need further assistance.
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Q:My son was born and lived his entire life in Israel. He also has American citizenship and is visiting family in North Carolina and wants to stay for about a year. What insurance is he eligible for.

A:
Your son can purchase the Diplomat Long Term plan for his stay in the United States as long as his primary resident country remains outside of it. If his intent changes at any point and he decides to permanently reside within the United States he would need to switch to a different plan until he becomes eligible for a domestic insurance plan. Keep in mind these plans will cover the new things that manifest in the body after their effective date and exclude coverage for pre-existing conditions, preventative and routine care. Should you have additional questions please let us know. You may also call our office at (866) 467-8289.
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Q:I am on a STEM OPT currently and looking for new opportunities to work here in the US but I've been stuck at home due to covid situation and would like to know my options regarding insurance. My last insurance ended on May 2020 which was my college F1 visa insurance. I'm still on F1 visa however my college insurance has now expired.

A:
Thank you for contacting Insubuy for your insurance needs. We have numerous plans available for those on OPT. You may view the plans and quote them here. The plans will cover the new illnesses and injuries that manifest in the body after the effective date of the policy, some even include coverage for COVID-19. The plans will exclude coverage for pre-existing conditions, preventative or routine care. Let us know if you need additional assistance. You may also call our office at (866) 467-8289.
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Q:We have purchased Visitor Care insurance for my Mom. Can you please send the provider list of Doctors and labs where we can go.

A:
Thank you for contacting Insubuy. The plan you have purchased is a fixed coverage plan and has no PPO network. For any eligible expense you will be able to visit any type of provider you would like. Should you have additional questions please let us know. You may also call our office at (866) 467-8289.
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Q:What if I develop symptoms of Covid 19 that I didn't have before arriving to the USA? And then subsequently it is discovered that I was probably infected prior to departure to the USA. Would you cover medical expenses?

A:
The plans would not allow coverage for the described situation. The plans that offer the coverage for COVID-19 allow it to be treated as any other eligible expense. This means as long as it were to manifest in the body after the effective date of the policy it could be treated, but in the case you have described the manifestation occurred prior to the effective date of the policy. The plans will cover the new things and exclude coverage for pre-existing conditions, preventative and routine care. Should you have further questions you may call our office at (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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