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Ask Our Specialists

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

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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Q:After getting insurance, the Washington University will provide me DS2019 form and then after I will apply for the Visa. As of now I do not have any Visa. In the form, I have to check the box which means I should have the Visa at that time. Can you suggest me another plan which do not require Visa before buying insurance.

A:
Thanks for your reply. After reviewing your school's requirements there are no other plan options we can recommend that do not require you to select this or have a similar confirmation during the application process. As state below, we have many clients that were in similar situations. You are able to purchase this plan, and present this as proof of coverage for your visa application. As long as you are awarded the visa the plan will begin covering you from the effective date.
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Q:While applying for ExchangeGuard Essential insurance plan, I got stuck in the last line that says " to certify that all applicants hold a valid visa in one of the following categories: J-1, J-2, F-1, F-2, or F-3". As of now, I do not possess a J1 Visa, as I am applying for "Student Intern" category and the university require J1 health insurance prior to providing DS2019 Form. I, therefore request you to suggest me in this case.

A:
As long as your visa is valid upon the start date of the policy is what matters. If it is not approved right now that is ok. Just when the plan starts it needs to be valid. ExchangeGuard insurance
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Q:I am citizen of Ukraine. Our son, born January 23, 2000, lives in the United States, Michigan Kalkaska. He studies in the Hockey Academy. We need insurance for our son. What plans do you have for him which cover: 1. for non-resident US 2. the period of insured: from today until March 31 2017. 3. deductible = 0 4. hospitals or medical institutions in Kalkaska or Travese City 5. Include injury during training and competition I ask you to provide us with a different insurance coverage level from maximum to the optimum Coverage Plan.

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately there are no plans available that we can offer you to cover your son for any injuries sustained while training or in competition. Plans only cover participation in sports that is for leisure or exercise purposes. If you have any questions please feel free to contact our office.
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Q:I am writing on behalf of my U.S CITIZEN mother who is 75 yrs old and will be relocating to the U.S after a lapse of more than 10 years. She is currently in Pakistan. She does possess U.S SSN and a valid U.S passport. She requires Medical Insurance upon arrival in the United States, at least for a month or longer before other arrangement are made. Could you please advise?

A:
Based on the information provided we will not have any plan options available for her since she will be relocating to the U.S. Please let us know if you have any additional questions.
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Q:I would appreciate you very much if you could provide exact answers for the following questions regarding the insurance policies and how to buy the medical insurance from your company. Regarding me: I m a international scholar in Boston, I arrive in the U.S. at the begin of September, 32 days ago. 1) does the plan of medical insurance meet the J-1 Federal and Massachusetts State insurance requirements? 2) How I will pay for the plan of medical insurance? what amount is due at signing? What is the month payment? 3) Does the plan of insurance cover pregnancy and maternity care? 4) I live n Cambridge/Boston area, How do I find out which doctors and clinics I can visit? 5) Does this plan cover prescription medication? 6) Who do I contact if I have a health emergency? 7) how many countries this insurance cover me? 8) what is the buying and renewal process? Thank you very much for your time and support,

A:
Does your sponsor have any requirements that need to be met? Most of the answers to the questions below would vary depending on the plan you choose so we would need to know if they have additional requirements first. All of the plans in the J1/J2 visa section of our website will meet the standard State Department of Insurance requirements. If your sponsor has requirements we can recommend a plan and then answer the questions based on that plan.
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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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