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Ask Our Specialists

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

Q:Do you offer long-term health insurance for travel within the US for US Citizens? My domicile is New Hampshire and we travel in the US in an RV full-time. Looking for a health insurance policy that will cover me in any state of the US until I am eligible for Medicare on 9/1/20.

A:
Unfortunately, there is not a travel insurance that we can offer a U.S. citizen traveling in the United States. This coverage is for travel medical outside of your home country.
{{currentOrigin}}/answers/visitors-health-insurance/domestic-coverage-for-us-citizens-residing-in-the-united-states-32566/

Q:I have received my J1 visa but we are still waiting for my husband J2. Can I purchase a plan for both of us and we inform you the activation date based on our individual arrival date? I plan to move to Boston on 25 Oct, but my husband might join me later after his visa approval.

A:
No. If the effective date is different, you have to purchase separately.
{{currentOrigin}}/answers/exchange-visitors-health-insurance/purchasing-a-plan-together-or-separately-based-on-arrival-effective-date-58017/

Q:My husband and I have received our long stay French visa and are in France. My current patriot international policy has expired and I need to purchase another plan for 30 days until we receive our Carte Vitale here in France. Am I able to purchase a plan from you again? I ask because when completing the application it asks about a return date and we do not have one.

A:
You are able to repurchase the Patriot International plan to continue coverage as needed. Please use the following link to repurchase. The return date would just be the date that the insurance is expected to end. If you need any additional assistance please feel free to contact our office.
{{currentOrigin}}/answers/international-travel-health-insurance/patriot-international-for-long-term-stay-visa-73939/

Q:I'm looking into purchasing the Schengen visa insurance for a year. I'm wondering if it covers prescription medications that I take daily for a pre-existing condition. Please let me know.

A:
Unfortunately, there are no short term plans that will cover pre-existing condition medications. If you have any additional questions please feel free to contact our office.
{{currentOrigin}}/answers/europe-visa-insurance/schengen-insurance-pre-existing-prescriptions-coverage-options-17578/

Q:I'm trying to buy myself an insurance from you. I'm currently a RIT student and need to waive my university insurance. I checked their website, they put a table in there and said only the insurance outside meets those eight questions, they can waive for me. But I'm not sure whether yours can, so I put the question table as attachment. Please let me know soon if yours meet all of them.

A:
We don't have plans which can meet all of your school requirements. You need to purchase insurance from your school.
{{currentOrigin}}/answers/f1-visa-insurance/health-insurance-to-waive-university-insurance-with-requirements-44166/

Q:I'm looking to purchase the ExchangeGuard Essential insurance plan. I wanted to make sure it satisfies the UC Irvine requirements https://shc.uci.edu/sites/default/files/docs/2019-20%20UC%20SHIP%20Waiver%20Criteria.pdf Please find the requirements attached to this email and let me know if it satisfies those.

A:
You will need to purchase the plan your university offers to be able to meet their requirements since they require a domestic plan.
{{currentOrigin}}/answers/international-student-health-insurance/exchange-guard-plan-essential-uc-irvine-requirements-55058/

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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