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Ask Our Specialists

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

Q:Allergies need medication

A:
We would need more information before advising on this. Plans are designed to cover any new illness or injuries that were to occur after the effective date of the policy. No plans on the market will cover preventative care, or routine maintenance. Coverage will always be determined at the time of service based on the attending physicians notes.
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Q:I would like to know the monthly cost for two J2 dependents (37 years & 7 years)

A:
We would need more information before advising, however, you can run a quote for J2 visitors to the US in the Exchange Visitors (J1/J2) section of our website. If you have any additional questions please let us know.
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Q:I want to know the quotes for j2 visa

A:
You can run a quote for visitors on a J2 visa in our Exchange Visitors (J1/J2) section of the website. All plans in this section will meet the minimum insurance requirements set forth by the US Department of State for J1 and J2 visa holders. If you have any additional questions please let us know.
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Q:Is this insurance covered in state of maryland and dc

A:
There are some plans that do not permit you to purchase them if you have a mailing address, billing address or are physically present in the state of Maryland. However, If you do purchase a plan that you are eligible for they will cover you throughout the United States. A popular plan that has no geographic restrictions in the state of Maryland is Safe Travels USA Comprehensive. If you have any additional questions please let us know.
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Q:Hi, do I need to contact the insurance company before I go to visit a doctor? To I need to pre-certification anything? Or can I just go to the Dr's office with my insurance card?

A:
Generally speaking, you should get pre-certified before hospitalization, MRI's, CT scans, durable medical equipment, and extended care/nursing home facilities. You can find the rules for Pre-certification requirements in each policies Certificate Wording. It is always recommended to call your insurance company before you seek treatment, or as soon as reasonably possible, so they can inform you of the correct steps to take. You can find that number on the back of your insurance ID card. If you have any additional questions please let us know.
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Q:My wife will be visiting USA from India. She is an Indian citizen.If we buy visitor insurance from US-based company, what would be the claim settlement procedure, if needed? Do we need to submit any papers, as proof of any treatment received from the hospital, for reimbursement, or will the insurance company directly deal with the hospital, get any necessary documents from the hospital, and make direct payment to the hospital?

A:
It is up to the provider to decide if they are going to bill you or the insurance company directly. In the event that the insurance company directly bills you, yes, you would need to send all relevant documents to the insurance company. Either way, it is recommended you reach out to the policies claim department for further instruction because it is likely you still would have to file a claim. If you have any additional questions please let us know.
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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.

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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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