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Ask Our Specialists

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

Q:I would like to know whether my health insurance Atlas America will cover the cost of medicines purchased from pharmacy. If it is so, showing id card in the pharmacy will be ok for getting free pharmacy medicine coverage?

A:
Medications are paid for out of pocket and then you can file a claim for reimbursement. The plan does cover medication related to the new accident and new illnesses that happen after the effective date of the policy.
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Q:My mother is an indian national and she has an active health insurance in India to cover her medical needs. She has been living with my brothers family in Singapore on a long term visa (dependent on my brothers work visa and renews every 1-2 years). Her stay in Singapore is undetermined and she will have to go back to India if my brother's job terminates in Singapore. I have been purchasing visitor secure for her mainly to cover any hospitalization needs for her in Singapore. I understand that its a fixed plan and hence it covers fixed expenses etc. I don't know how long she will stay. In such a case, can I purchase insurance for 3 months and keep extending or can I purchase a longer term like 6 months or a year and cancel if she ends up going back to India sooner? Please advise.

A:
You can extend VisitorSecure for up to 2 years. You can view it's refund policy in the link below: Refund Rules for Visitor Secure
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Q:My mother aged 58 years, is traveling to US for a duration of 5 weeks. I would like to purchase an insurance for her but quite overwhelmed with the options on your site. Can you help me identify few preferred insurance or can you send me some suggestions with links on your website? I need just the basic insurance with basic coverage, preferably an option for pre-existing conditions coverage and also some travel coverage.

A:
Based on her age we would recommend either Atlas America or Patriot America Plus in the Visitors 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 condition. If you have any questions please feel free to contact our office.
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Q:I am traveling to the USA and MEXICO. Does the Patriot America Plus cover my time in both countries?

A:
As long as your primary destination is the US and your country of residence is not the US or Mexico, Patriot America Plus will cover in both the countries.
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Q:I have purchased a Safe Travels for Visitors to the USA health insurance for J1 visa yesterday and i'm attaching the documents with this email. When i sent it to Mayo clinic they told me a specific requirements they need for the health insurance which is Minimally acceptable insurance is: - Medical benefits of at least $100,000 per accident or illness - Repatriation of remains in the amount of $25,000 - Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000 - A deductible not to exceed $500 per accident or illness How can i upgrade my insurance from the current one to the new one with the new specific criteria??

A:
This is not a plan that will meet your requirements and cannot be upgraded to satisfy them. You would need to look at plans in our J1/J2 visa insurance section to find an appropriate plan. Any of the plans in the J1 section will meet these requirements. You can cancel your current plan by sending an email to cancel [at] insubuy.com
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Q:I am trying to get online quotes for cover for my husband and myself but he is now 70. Is that a problem as it will not give quotes with his age stated?

A:
You need to get separate quote for 70+ at /visitors-insurance/ If you provide your travel dates, age, which state do you need coverage and will be glad to send you quote by e-mail.
{{currentOrigin}}/answers/visitors-insurance-usa/separate-quotes-for-ages-above-70-in-visitor-insurance-60148/

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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