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Ask Our Specialists

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

Q:I want to buy travel medical insurance with enrollment emailed to me; travel departure is Sep6. policy stated they would also mail a plastic card and we will have departed before receiving the card.Do we need the plastic card for the travel?

A:
Plans will provide virtual documents that can be retrieved from the My Account portal established after purchase. The virtual documents are sufficient for use and will arrive within 30 minutes of your purchase. The physical ID card is not required.
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Q:What part of any care requires precertification?

A:
As precertification can differ from plan to plan this would be specific to the plan purchased. Please contact our office for assistance.
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Q:Hi, we are a family of 4, (54, 51, 25 and 19), as all are over 18, can we do a family insurance?

A:
Anyone over 18 would be considered an adult and could go on their own policy. Depending on the plan some will allow multiple travelers and not required the Primary, Spouse and dependent dynamic. Please call our office and a licesed agent woudl be able to assist in a plan selecetion.
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Q:I would like to know if you have previous experiences with policies that are accepted by Duke University, meeting these requirements and "Preexisting conditions not exceed 6 months". Or a recommended insurance policy based on that.

A:
We have reviewed the school requirements you have provided. There are many plan options available that you may purchase to meet the requirements. A few popular plan options are the ExchangeGuard Choice, StudentSecure Select or Elite, and Study USA Preferred and Platinum. You may purchase this plans online or over the phone by contacting our office at +1 (866) INSUBUY 467-8289. If you have any additional questions, please let us know.
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Q:I am on a J2 visa. I have my insurance from Insubuy. How can I get a provider in your network

A:
You can find providers in your area by logging into your MyAccount and looking at the PPO directory. You can also look at your plans PPO network by viewing the United HealthCare PPO Network directory. If you have any additional questions please let us know.
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Q:Hello,I have a J-1 visa and my spouse has J-2. I have a Visitor Secure Health Insurance which has a 100,000 coverage. We want to be examined with my spouse at a Gynecology department. Does my insurance cover this

A:
Specialists are not specifically excluded from the plan as any medical costs for new injuries or illnesses are eligible for coverage. However, please be advised that plans will not cover any preventative care or routine maintenance of any kind. If you have questions about how your Fixed Coverage Plan works, please call our office at 1(866) INSUBUY (4678289).
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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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