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Ask Our Specialists

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

Q:Hi, I wonder if immigrant visa holder (14 years old. Just landed in US, need to wait for 2-6 months before receiving temporary green card) is eligible for "International Major Medical" plan or other similar plans? Thanks

A:
Thank you for contacting Insubuy for your insurance needs. The International Major Medical plan would be an appropriate options for them. You can use the link listed below to review the plan and to generate a quote for coverage. International Major Medical insurance/ If you need any additional clarification please contact our office.
{{currentOrigin}}/answers/new-immigrant-health-insurance/new-immigrant-coverage-international-major-medical-89211/

Q:I will be arriving in U.S.A on visitor's visa and will stay approx. 30 days and want to cover my pre-existing conditions. I have two stents in my heart, type 2 diabetes and an enlarged prostate. I am 71 years old, please give me plans which suit my conditions.

A:
The information provided we would recommend either Atlas America or Patriot America Plus in the visitor to USA section of our website / Once you have run the quotes you will find the recommended plans in the comprehensive section. There is no plan available on the market that will cover pre-existing conditions but both of these plans have a benefit for an Acute Onset of a pre-existing conditions. If you have any questions please feel free to contact our office.
{{currentOrigin}}/answers/visitors-insurance-usa/atlas-america-patriot-america-acute-onset-benefit-37278/

Q:Hello, I am the J1 Visa Program Specialist and we are looking to change our current Health Insurance plan for our Exchange Visitors. We are currently sponsoring about 100 intern/ trainee EVs all over the United States that would need to be covered under this plan. I am wondering if Insubuy offers enrollment type policies for sponsors organizations? If so, could you please provide us with quotes for any potential plans?

A:
Yes, we offer J visa group insurance plan that meet the standard J-1 visa insurance requirements, set by the Department of State. Do you have any additional requirements set by your organization? Also, we would like to know what state(s) the participants would be located in.
{{currentOrigin}}/answers/group-travel-health-insurance/group-travel-insurance-j1-60068/

Q:I am a student on an F1 visa at the UCLA extension program and am looking to purchase an insurance plan for 1 year. I was looking at the student secure smart and exchange guard choice and had a few questions on the same. 1) Would it waive my school requirement for a plan? Requirements are - the insurance plan just needs to be from a US-based insurance company. 2) What does PPO mean? 3) Are immunizations and preventive check-ups covered in either of these plans? 4) Are x rays, MRI covered in these plans? 5) Getting an STD test covered? 6) Local ambulance covered? If not what would the average cost be and how can I add that for safety?

A:
Based on this waiver criteria, it looks like there are no plans you can purchase outside of the one they offer that will meet their requirements so you may need to confirm with them if these are the requirements based on your situation.
{{currentOrigin}}/answers/f1-visa-insurance/health-insurance-plan-for-f1-visa-holder-ucla-requirements-96336/

Q: I am an international student at Wilmington University, De, 19702. I just wanted to know about Vision insurance plans in the United States. Could you please let me know the details about this?

A:
Thank you for your interest in purchasing insurance through us. We don't have any standalone vision insurance that is available only in group. Please find more information here: Careington Discount Plan Please review the details and feel free to contact us if you have any further questions.
{{currentOrigin}}/answers/other-insurance/international-student-vision-plans-33175/

Q:May I know if you have a travel plan that covers any pre-existing diseases/illnesses? My mom would be traveling to the US from January 2020 to May 4 2020 and I am hoping you can help me with a recommended package for her. We previously purchased the Atlas America plan.

A:
This Atlas America plan has maximum $150,000 coverage available for age 70+. The insurance will not pay for routine maintenance for pre-existing conditions. However, it provides coverage for an acute onset of pre-existing conditions. Please find more information on acute onset of pre-existing conditions at, You may view the certificate wording here Please feel free to contact us if you need any further clarification.
{{currentOrigin}}/answers/visitors-health-insurance/atlas-america-pre-existing-coverage-with-acute-onset-10437/

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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