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Ask Our Specialists

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

Q:I am a non US citizen and I am here on student visa with my husband and baby. I am planning to get pregnant here. What type of insurance plan should I buy and will it be covered?

A:
Yes, some student plans will offer coverage for maternity related expenses as long as the pregnancy occurs after the effective date of the policy. The plan with the most coverage for maternity will be Student Secure Elite. This plan will pay up to $25,000 for maternity related expenses. Other plans also offer coverage for maternity in varying amounts, which you can find in the Plan Benefits tab by clicking "view more" underneath each plan. If you would like, you can run a quote in the Students (F1/F2) section of the website if you are on a F1/F2 visa, and the Exchange Visitors (J1/J2)section if you are on a J1/J2 visa. You are able to filter plans by maternity coverage on the left hand side of the page. Please let us know if you have any additional questions.
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Q:Hi, I would like to know how can I receive my drug discount card?Thank you

A:
You are able to access your Rx ID card on to your MyAccount. Under "Other Fulfillment Documents" you can click the hyper link that says "Rx Card." If you have any additional questions please let us know.
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Q:Does "Patriot America Platinum" plan covers any pre-existing conditions of visiting parents ?

A:
Patriot America Platinum will only offer coverage Acute onset of pre-existing conditions for the conditions for ages under 70. Visitors Protect is the only plan that offers coverage for pre-existing conditions, but it still cannot be known or expected treatment. It has a 90 day minimum purchase, as well as a $25,000 max and $1,500 deductible for anything relating to a pre-existing condition. Additionally, it must be purchased before the insured has left their home country. No plans on the market for visitors will cover routine, preventative, known, or expected treatment of any kind, whether is is for a pre-existing condition or otherwise. If you have any additional questions please let us know.
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Q:need health insurance policy , I am coming to USA for graduate course in sep in phyladelphia .please guide in plans

A:
We would need a bit more information to assist you. However, if you are coming on a J1 visa you can run a quote in the Exchange Visitors (J1/J2) section of the website. If you are coming on a F1 visa you may run a quote in the Students (F1/F2) section of the website. Be advised that many schools have insurance requirements that students have to meet. If they do have requirements, please email those requirements to info@insubuy.com so that we can find a plan that will me them. If you have any additional questions please let us know.
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Q:my 16-year-old niece will be arriving in the US this Saturday for a month, how much would it be to buy health coverage for her?

A:
The price of plans will vary by policy maximum, age, deductible amount, and the number of days you purchase. For visitors to the US, you can run a quote in the Visitors to U.S.A. section of the website. To insure sufficient coverage we recommend our comprehensive plans. If you have any additional questions please let us know.
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Q:I am looking for travel insurance for my mother (has pre-medical conditions like diabetic, BP) , brother and sister. Can you share best affordable insurance plan details.

A:
Visitors Protect is the only plan that offers coverage for pre-existing conditions, but it still cannot be known or expected treatment. It also has a 90 day minimum purchase and $1500 deductible built into the plan for anything relating to a pre-existing condition. Additionally, it must be purchased before the insured has left their home country. Other plans do offer the Acute onset of pre-existing conditions. If you would like to learn more about the acute onset of pre-existing conditions please click the hyperlink. Visitors Protect is a more costly plan. If you are looking for a more cost effective plan that offers the acute onset of pre-existing conditions You can take a look at one of our recommended plans, Patriot America Plus. 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.

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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