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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I am planning to purchase an air ticket to Australia for late September 2019. I am a citizen of Pakistan, but live in The Netherlands. The planned itinerary is Amsterdam to Brisbane. However, my visa decision to Australia is awaited. I am hoping the visa grant soon. In case, that not happens before my proposed departure, I do not want my ticket to be wasted. Therefore, I am interested in buying a ticket cancellation insurance from INSUBUY.
Q:Hello, I will be a J1 visiting scholar in University of Illinois Urbana-Champaign between July 22 2019 and July 31 2020. I was looking for a health insurance for myself and my two dependents. Looking at your website, I found that your Exchange Guard Plan with 0 deductible meets the J1 visa health insurance requirements. However I have few questions that need to be answered quickly since I will be departing to the US on coming Sunday. 1. Does your ExchangeGuard Choice and Patriot Exchange Plans have the same coverage in terms of outstanding restrictions? Although myself and my dependents do not have any mentioned restriction conditions explained n Exchange Guard Choice plan, I want to be clear on this because as far as I see Patriot Exchange plan does not have a list of restrictions. 2. Do you have a plan that does not have restrictions and does not have waiting period? 3. If I have an injury related to a broken bone or a cut and have 0 deductible plan and 100/0 co-insurance pay, do I have to pay anything to the hospital? 4. During my stay period, if I have an inner ear infection or a stomach ache and have to visit doctor's office, do you require medical history report before paying the claim? If yes, where can I find the forms to be filled for the report? 5. If I purchase the plan for a year at the beginning and they cancel it 30 days later, do I incur any penalty fees or do I get full refund back for the remaining insurance period?
Q:J1 is visiting scholar in Stanford University. Is there any insurance suitable for me(J2)?
Q:I'm an exchange student from Austria going to Tulane in August and I'm currently looking for health insurance that fulfills the criteria for Tulane University's T-SHIP waiver (https://campushealth.tulane.edu/insurance-billing/university-standards-adequate-insurance). Is there any plan you offer that fulfills these criteria?
Q:I am an international student who will be enrolled in August and looking for a health insurance. One of my school seniors recommended your company to me, and I want to purchase insurance from your company. But I'm not sure whether and which your insurance plan meets our school's needs. So I am writing this email to consult you about this matter. And according to the documents I received, my insurance plan must meet the following required benefits and coverage. 1. Unlimited Maximum Benefit for Covered medical expenses. 2. Coverage for essential benefits as defined under Patient Protection and Affordable Care Act - including pharmacy, mental health, maternity, preventive care, contraception - with no dollar limits. 3. Pediatric dental and vision coverage as defined by ACA. 4. A policy year deductible of $500 or less. Maximum total out of pocket expense cannot exceed $6,350 per member, $12,700 per family with preferred providers. Deductible, coinsurance, and any copays count toward out-of-pocket maximum. 5. A minimum of $25,000 for repatriation and $50,000 for medical evacuation. 6. A minimum of 80% coinsurance payable by the insurance plan to network providers. Emergency/urgent care coverage only is not accepted for waiver 7. Verifiable proof of coverage with student's name (ID card, insurance policy or letter from insurance carrier - copy provided) 8. Effective dates covering the entire period for which I am requesting a waiver 9. Plan document(s) in English, with currency amounts converted to U.S. dollars, and an insurance company contact phone # in the U.S. 10. The insurer has a base of operations in the US or has a US based claims payer.
Q:I have some question regarding this Safe Travels USA Comprehensive plan. I am an F1 student currently on OPT. Will this plan work for me? If I visit a dermatologist, will it cover for the visit? And what about the medications prescribed? What about hair loss? If i go to the dermatologist for hair loss. Is that a pre existing condition? Will it cover for my hair loss medications?
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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.
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.
Learn MoreTraveling 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.
Learn MoreNew 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.
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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