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Ask Our Specialists

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

Q:I am planning to buy insurance coverage for my dad. He has dilated cardiomyopathy(kind of heart disease) along with high blood pressure and is currently on medication and is leading a healthy life.. If any complications arise during the stay in USA related to this disease, will it be covered? I am planning for atlas america or patriot america plus plans.

A:
Thank you for your interest in purchasing insurance through us. In general, insurance will pay for any new sickness, injuries or accidents that may occur after the effective date of the policy. It will not pay for any routine maintenance for pre-existing or preventive care. However, both Atlas America and Patriot America plus plan provides coverage for an acute onset of pre-existing conditions. Nobody can confirm in advance his conditions will be covered or not. It will be determined by the claim dept. based on the attending physician notes and as per the policy certificate whether it fall into an acute onset of pre-existing conditions or not. Please look at the comparison between Atlas America and Patriot America Plus here. But before we suggest any plan would like to know his age. Please review the above information and feel free to contact us if you have any further questions.
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Q:I am a grad student on a J1 visa and I have 2 dependents on J2 visa status. I would like to buy them 100.000 USD evacuation and 50.000 USD repatriation plan however your limit is less than that. Is that possible to increase the coverage amount like this?

A:
The MedEvac plan offer on the Insubuy website will meet these limits. Please use the link listed below to review the plan details and to generate a quote for coverage. Atlas MedEvac brochure & instant purchase link: /medical-evacuation-and-reptriation-insurance/
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Q:What is included in Dental Insurance ?

A:
We would be glad to advise. We do not offer dental insurance. We do however, have the Careington 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 would like to make a health insurance to my husband, he has j2 visa here is the required plan: 1- medical benefits of at least 100, 000 per accident or illness. 2- repatriation of remains in the amount of 25,000 3- expenses associated with medical evacuation to home country in the amount of 50, 000 4- deductibles that do not exceed 500 per accident or illness. i would like to begin from tomorrow and i want it to be monthly insurance to pay ever month.

A:
The requirements below you have listed appear to be for a J1 or J2 visa holder. If that is correct, you can purchase one of the plans from our J1/J2 section and they will all meet the standard requirements. If the insurance is for something other than a J1 please advise. Also, if the university or sponsor has any additional requirements, you can forward those to us to review.
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Q:My travel date is from 08/31/2019-09/08/2019. In case I don't get my visa approved by my travel date and I have to change my travel dates, can I change the insurance coverage date without extra charges?

A:
The premium is calculated on a daily basis, if you changed the dates and increased the number of days of the policy, then you would have to pay the premium for the additional days. There are no additional charges for make an adjustment to the policy.
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Q:My wife and I are planning to visit Switzerland for tourism and would like to see if you provide health insurance with following requirements given by the Lithuanian Consulate that I visited in USA to get the Schengen visa: Coverage of at least 30.000 EUR (Euros) (around USD 50,000) for each of the following items:: Emergency medical expenses; Emergency hospital treatment; Repatriation for medical reasons; Repatriation of mortal remains. NO DEDUCTIBLE (zero) The letter that you will provide must specify each item above with at least 30000 EUR coverage. It should also specify there is no DEDUCTIBLE. Please let me know if you have the insurance coverage I need for the Schengen Visa.

A:
If you are needing insurance that meets the Schengen Visa requirements, any of the plans in our Schengen section would give you those coverage levels for requirements. You can obtain quotes for those plans here: Schengen Visa Insurance Any of the plans in this section would be sufficient. You would need the name as it appears in the passport, passport number and date of birth to complete an application.
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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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