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Ask Our Specialists

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

Q:I am an international student from India studying at University of California Santa Barbara. I am on f1 visa. I was looking for an appropriate health insurance which satisfies the requirements of the university. I talked over the phone with a representative from Insubuy. He asked me to send you the requirements. Please have a look at them and suggest me with options that could satisfy these requirements. I am looking for 6 month coverage as of now until the summer break. Probably from 1 January onwards.

A:
Unfortunately, we would not have a plan available to meet your school requirements. Our recommendation to you would be to purchase the insurance offered through your school as it would cover the pre-existing conditions with no exclusions or waiting period.
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Q:I need an insurance to cover me the whole month of January next year. I have a J1 visa, so it would need to satisfy the requirements found here: https://www.flbog.edu/wp-content/uploads/6_009-Admiss-of-Intern-Students.pdf (I also need to cover repatriation (f) from January to May, but that could be done with a separate insurance). Could you help me find out what would be my best budget option? I found Atlas Essentials America in your website, but I'm not sure if it satisfy all the requirements.

A:
Thank you for contacting Insubuy. Please be advised that the Atlas Essential America policy would not meet the requirements for your school. The plan that we would recommend to be sufficient coverage would be the Study USA Preferred 500 series plan, as it will meet the requirements necessary.
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Q:My dad is scheduled to visit me here in CA and I want to purchase a health insurance for him. Iwas wondering what is tbe best plan for him. He is 76 yrs old and he is from the Philippines. He will be in the country for max of 2 months.

A:
Thank you for contacting Insubuy for your insurance needs. We would be more than happy to send you a quote and recommend a plan, but first we will need to know more information. Please contact our office at (866)INSUBUY (467-8289) for assistance from a licensed agent. Alternatively, if your father is traveling on a visitor visa you may view plans and get quote here.
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Q:I will spend 6 weeks as a visiting student at the California Institute of Technology (Caltech) in Pasadena, CA. I need to buy a health insurance that fits Caltech requirements, which I attach to this email. Does your company provide such an insurance plan? If it does, how much does it cost?

A:
We have reviewed the requirements on the waiver form. We do not have any plans that will meet those requirements. The waiver requirements can only be met through domestic insurance. If the sponsor is offering you insurance, that would be domestic coverage and is the only place we are aware of you could obtain the coverage.
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Q:If I buy a health insurance plan which is complaint with the J-1 visa requirements, but after sometime if I need to cancel my insurance policy. What is the refund policy for the unused days of the insurance policy?

A:
The refund policies are specific to each individual plan. Whichever plan you are looking at will have a refundable link if applicable under the view more button, which will explain that plan's procedures and guidelines pertaining to refunds. All plans in our J1/J2 visa insurance section will meet all standard requirements. If you have any additional requirements beyond the standard ones that you must meet, you can forward those to us to review.
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Q:I'm a Swiss student participating in the EAP exchange program at the University of California Berkeley next spring. I have a J-1 visa but the university asks for an insurance that covers more than what's required for J-1 exchange visitor. Their insurance plan cost 1,600$ for the semester. Since I have to continue to pay my swiss health insurance while I'm abroad I was wondering if you could offer me a plan that is cheaper than the health insurance of the university. Here's a link to the requirements for the University of California - Berkeley for international students: https://uhs.berkeley.edu/insurance/waiving-ship/ship-waiver-requirements

A:
You can purchase Navigator Student plan. It has pre-existing waiting period 12 months. Before you purchase this policy, please check with your school.
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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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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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