There was a problem, please make the requested changes and submit again:

  • Search criteria is required. {{ error }}

Ask Our Specialists

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

Q:Hello, I am an international student who is graduating in August. My current insurance plan will be expired at the end of July, and before my OPT is active, I need to purchase an insurance plan which could cover my medicines refill as well as some lab works. I want to have insurance on the first day of August until the end of October. My question is, do you provide any insurance plans cover pre-existing conditions? The medicine refills and routine lab works I need both are based on the pre-existing condition I have. If you do have insurance plans for OPT students who need pre-existing conditions to be covered, please let me know.

A:
Unfortunately, there is no plan available that will cover your pre-existing conditions for that duration. Plans that will include coverage for pre-existing conditions have at least a 6 month waiting period before they will cover these things.
{{currentOrigin}}/answers/international-student-health-insurance/health-insurance-to-cover-in-between-graduation-and-opt-pre-existing-conditions-coverage-80822/

Q:I have a question about the medical insurance coverage for OPT students. I have thyroid disorder, which requires me to do routine lab works and get medicine refills every month. I also need to do ultrasounds at half a year interval. Do you provide any medical insurance plans which will cover these expenses?

A:
There are 2 plans that offer some pre-existing coverage benefits after a 6 month waiting period. Those plans would be the Study USA Preferred 500, and the Student Secure Elite and Select plans. Please review the links for you to review the benefits they offer.
{{currentOrigin}}/answers/international-student-health-insurance/medical-insurance-for-opt-student-pre-existing-condition-coverage-66885/

Q:I was wondering if your insurance plans covered HIV medications?

A:
Unfortunately, short term plans do not cover pre-existing conditions so the meds would not be covered.
{{currentOrigin}}/answers/visitors-health-insurance/preexisting-medication-coverage-in-short-term-visitor-insurance-36416/

Q:Do you offer any health insurance plan for foreign students which will be compliant with the Affordable Care Act (ACA) in USA?

A:
Unfortunately, we don't provide PPACA Compliant plan. You need to purchase insurance through your school.
{{currentOrigin}}/answers/international-student-health-insurance/health-insurance-plan-foreign-students-with-aca-compliant-65124/

Q:Before I purchase a policy for your company, I would like to have you review my university (University of Texas at San Antonio) requirements on insurance waiver. I would like to make sure your policy will be accepted by UTSA. Attached please find a copy of my university waiver requirements for your review.

A:
Your school wants you to have PPACA compliant plan. You need to purchase from your school.
{{currentOrigin}}/answers/international-student-health-insurance/health-insurance-for-international-student-university-of-texas-san-antonio-requirements-47329/

Q:I am a healthy person. I just need catastrophic coverage until open enrollment. We live in Illinois.

A:
Based on the information provided we would recommend our National General Plan. Please use the link provided to view the plan options and purchase. You may also purchase over the phone by contacting our office at (866) INSUBUY. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/other-insurance/short-term-medical-until-open-enrollment-89505/

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.

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More