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Ask Our Specialists

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

Q:We are looking for a health insurance for our son Nikolas, DOB 8 of July 2000, who is actually studying at the Louisiana State University Shreveport. We would need a health insurance who covers at least 500.000$ per incident, no co-insurance but possible deductible, good PPO network, especially in Shreveport, Louisiana, covers sport activities (especially soccer at University level), monthly payment possible (American Express?), coverage until finishing studies, nationwide coverage (he may change University), a dental plan, repatriation in case of need.

A:
Based on the information provided we would recommended the StudentSecure Elite Plan. This plan has a policy maximum of $500,000, and includes coverage for medical expenses associated with Intercollegiate sports up to $5,000. Please use the link provided to view the plan details and search for providers using the First Health PPO network. If you have any additional questions, please let us know.
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Q:I wanted to understand if vaccination is covered in the insurance for visitors. Looking for tdap vaccination.

A:
Thank you for contacting Insubuy. Please be advised that vaccinations are not covered under any of the plans on the market. The plans available for visitors are meant to cover any new injury or illness that manifests after the effective date. They do not cover pre-existing conditions, preventative care or routine maintenance. Should you have additional questions or need further assistance, please let us know.
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Q:I would like some information and prices for a private worldwide , MLC complient medical insurance.

A:
Thank you for contacting Insubuy for your insurance needs. The plans we recommend for marine crew can be found here on our website here. If you have any questions please feel free to contact our office.
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Q:I want to know about dental and vision insurance. I am on J1 visa and my dependents are on J2 visa.

A:
We would be glad to advise. We do not offer dental or vision insurance. We do however, offer a dental and vision discount plan. I have attached the plan link below for you to review the plan and information about the benefits it offers: Careington Discount Plan There is a $20.00 one-time non-refundable set up fee, and the plan is $11.95 a month. Therefore, the first month would be $39.95, and then $11.95 each month after. If you have additional questions, please let us know.
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Q:I am French and I arrived in the USA a months ago. I am a Postdoctoral Researcher at the University of Illinois at Urbana-Champaign (not a student I am a scholar and I have a J1 visa). I am planed to stay a year in the USA for now. I am looking for an health insurance in the US (for now I have taken a French insurance). The university gave me a list of health insurance where you were appearing. I am a little lost in your web site and it sounded easier to contact you by email and ask you which plan can you proposed me knowing that I have some requirements (given by the university): - Maximum coverage for medical benefits cannot be less than $ 100,000 per accident or illness - my insurance should provide at least $25,000 to send my remains home (France) if I die. - If i have a serious illness or injury, I must be send home on the advise of a doctor, and my insurance must pay up to $50,000 for the expense of my travel - the deductible cannot be more than $500 per accident or illness. - my insurance must pay at least 75% or covered medical expenses - the policy may establish a waiting period before it covers pre-existing conditions (health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance industry. - The policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by the state department

A:
You can review the ExchangeGuard plan or the Patriot Exchange Program. You can also find additional options on the J Visa Insurance section as any of the plans will meet these requirements.
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Q:My husband is an American citizen and we married in June. We just realized that I am pregnant and I need to be under control of a doctor but doctors will not accept patients without insurance, so is it possible in your insurance to start for me immediately?

A:
Thank you for contacting Insubuy for your insurance needs. There is not a plan that we can offer you to cover your pregnancy. You will have to enroll into a domestic plan if available or pay out of pocket for these expenses.
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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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