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Ask Our Specialists

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

Q:I decided to buy exchange guard choice or essential. Could you please tell me the main differences between two plan, I couldn't see any difference except pre-existing conditions. And if my visa application reject, can I refund the amount.

A:
The only difference in these 2 plans is the pre-existing condition waiting period. If the plan is cancelled before the effective date of the policy you can indeed cancel the plan for a full refund. Please review Exchangeguard Cancellation policy.
{{currentOrigin}}/answers/exchange-visitors-health-insurance/differences-between-exchange-guard-choice-or-essential-cancellation-policy-79306/

Q:I would like to buy trip cancellation insurance for my daughter's boyfriend. He is and Egyptian National living in Egypt and will be visiting the United States. The only thing I could find on your website that was close did not include trip cancellation. Thanks!

A:
You can purchase Trip Insurance. This plan will not cover cancel for any reason but it provides coverage for trip cancellation. Cancel for any reason benefits is available only for US Residents.
{{currentOrigin}}/answers/holiday-insurance/trip-cancellation-for-non-us-resident-88068/

Q:Hi I like to purchase a medical insurance plan for my wife, which should meet J2 visa requirements for immigration from India to USA. Below are my institute minimum requirements. 1. The insurance must cover from 1st February 2020 to 20th October 2020 2. Medical benefits must provide a minimum of $100,000 per accident or illness. 3. Medical evacuation must be covered in the amount of $50,000, minimum. 4. Repatriation must be covered in the amount of $25,000, minimum. 5. The deductible must not exceed $500 per accident or illness. 6. Individuals who are Resident Aliens for tax purposes are subject to the individual mandate of the Affordable Care Act (ACA). kindly send me few plans which meet the above criteria. Also, send some plans which may not meet ACA compliance

A:
All of the plans in our J1/J2 visa insurance section will meets all standard J visa requirements. We don't have any ACA compliant insurance plans.
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/medical-health-insurance-for-j2-visa-holder-with-requirements-aca-compliant-64385/

Q:I am a Spanish national with residence in Spain. In March 2020 I plan to travel to the United States (Maryland) in order to stay for 2 weeks with my daughter. Please let me know whether or not it is possible for me to purchase a Cancel For Any Reason Trip Insurance.

A:
Cancel for any reason trip insurance is available only for U S Residents. We can provide you medical insurance. Please find more information for trip cancellation and medical insurance, by visiting our website using the links below: Trip Cancellation Medical Insurance Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you need any further assistance.
{{currentOrigin}}/answers/vacation-insurance/cancel-for-any-reason-travel-insurance-for-non-us-residents-39663/

Q:I'm about to buy the Preferred 500, and I wonder if it includes annual exams.

A:
The Study USA Preferred 500 Plan provides coverage for one routine physical exam per member.
{{currentOrigin}}/answers/f1-visa-insurance/annual-exams-for-study-usa-preferred-500-plan-72426/

Q:Looking to take insurance for my parents who are visiting the USA, Virginia. Where can I find plans?

A:
You can generate quotes for them here. You can also call our office for assistance at 866-INSUBUY / 866-467-8289
{{currentOrigin}}/answers/visitors-medical-insurance/visitor-medical-insurance-for-parents-53642/

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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