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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:My son wants to visit the USA but has a pre existing condition. Non-Cirrhotic Portal Hypertension, would he be able to purchase insurance from yourself that will cover this.
Q:I am on Aetna plan from my school along with my wife on F1 and F2 visa, now the schools are not offering my wife to renew her plan and her plan is getting expired next month on 6th . I was wondering if i can buy additional plan for both if us from you, however i was wondering if that plan is going to cover day to day medicine and doctors visit instantly and without filing claim later.
Q:We are moving to College Station in Texas, USA on 8th August 2019 for my PhD program in Texas A&M university. I will be on a J1 visa and my husband and son will be on J2 visas. While I will be covered under student insurance from the university, I need a comprehensive insurance plan for my husband and son from 8th August till 31st October till my university insurance plan kicks in for them from 1st Nov. I have browsed through your website and looked at the tool which recommends various insurance plans. I would need your assistance in selecting one for us. I would like to go in for a plan which 1. Satisfies the J2 visa requirements. 2. Has a good network of doctors in College Station, Texas.
Q:My friend talked to them and she has one of your Exchange Guard plans. I'll send the picture of it. Can I get this plan? Here are the requirements: 1. Out of pocket costs may not exceed $6350 per year for an individual OR $12,700 per year for a family 2. Unlimited Coverage for injury or sickness 3. Medical Evacuation coverage to home country is $50,000 or more 4. Repatriation coverage is $25,000 or more 5. Coverage for preventative care at 100% in network including immunizations, physical exams and birth control with no cost sharing 6. No pre-existing condition limitations 7. Essential benefits as defined by the ACA (Affordable Care Act) must be covered; (No internal caps on essential benefits, including mental health, pregnancy, prescriptions, surgery, emergency room, doctor visits, hospitalization, physical therapy)* 8. Have a phone contact within the United States 9. Proof of health insurance provided in English and US currency only * Waiver ACA Essential Health Benefits 1. Ambulatory (i.e. Outpatient) patient services 2. Emergency Services 3. Hospitalization 4. Maternity and newborn care 5. Mental health and substance use disorder services, including behavioral health treatment 6. Prescriptions drugs 7. Rehabilitative and habilitative services and devices 8. Laboratory services 9. Preventive and wellness services and chronic disease management 10. Pediatric services for oral (dental) and vision care up to age 19.
Q:I am going to be enrolling at the University of Idaho for this upcoming school year and these are the university's requirements for waiving their insurance. As of now, I'm looking to start my policy on August 1 and have it for 364 days. I'm choosing between Study USA Preferred 500 and the Student Health Advantage Standard. Is there a way to verify which plan would satisfy my waiver requirements?
Q:I am an international student and I an interested on your health insurance. One friend of mine has it and I am trying to get it because my university is very specific and they accept this insurance. It is one with the overall policy maximum $250,000/ Maximum per injury is Overall Maximum Limit and Emergency Medical evacuation & Repatriation is $1,000,000. Here are the requirements: 1. Out of pocket costs may not exceed $6350 per year for an individual OR $12,700 per year for a family 2. Unlimited Coverage for injury or sickness 3. Medical Evacuation coverage to home country is $50,000 or more 4. Repatriation coverage is $25,000 or more 5. Coverage for preventative care at 100% in network including immunizations, physical exams and birth control with no cost sharing 6. No pre-existing condition limitations 7. Essential benefits as defined by the ACA (Affordable Care Act) must be covered; (No internal caps on essential benefits, including mental health, pregnancy, prescriptions, surgery, emergency room, doctor visits, hospitalization, physical therapy)* 8. Have a phone contact within the United States 9. Proof of health insurance provided in English and US currency only * Waiver ACA Essential Health Benefits 1. Ambulatory (i.e. Outpatient) patient services 2. Emergency Services 3. Hospitalization 4. Maternity and newborn care 5. Mental health and substance use disorder services, including behavioral health treatment 6. Prescriptions drugs 7. Rehabilitative and habilitative services and devices 8. Laboratory services 9. Preventive and wellness services and chronic disease management 10. Pediatric services for oral (dental) and vision care up to age 19.
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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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You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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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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You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational 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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