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Ask Our Specialists

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

Q:I'll be working at Indiana University Bloomington from September 2019 to August 2021 with J1 visa status. My wife and one daughter will accompany with J2 status. I have to organize the health care plan for myself and my family for this 2 years stay at USA. Would you mind to let me know the most popular and the cheapest options of health insurance that satisfy the J1 and J2 visa requirements? Please indicate whether these insurance plans cover for all maternity related expenses.

A:
We have many plans that meets standard J visa requirements. You will have lot of options and it's not very expensive. But if you are looking for maternity coverage premium will be very high. If you provide your age, wife age, travel date and will be glad to send you quote by e-mail with maternity and without maternity coverage. Meantime, please visit our J visa insurance section . Please enter appropriate criteria. Please select medical coverage required , You will find many plans and you can also compare them side by side.
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Q:I'm currently a F1 student pursuing my STEM OPT. I completed my masters and graduated from my university last May. I'm trying to purchase an OPT insurance Student Secure Smart. I believe I meet the eligibility requirements but would like to double check if I'm (on STEM OPT) eligible or not.

A:
This plan is available to F1 visa holders on OPT. As long as you are not in Maryland, New York, or Washington (the plan has geographic restrictions for these states), then you can purchase this plan.
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Q:I want to get 1 month of insurance for my trip to the USA. I am a USA citizen visiting July 22-August 17. I am 27, male, in perfect health.

A:
Thank you for contacting Insubuy for your insurance needs. There are plans that will offer coverage to a United States citizen who primarily resides outside of the U.S. that needs coverage with the borders of the U.S. for a short period. Please use the following links to generate quotes for coverage and to review the plan benefits. Diplomat America Patriot America Plus If you have any additional questions please feel free to contact our office.
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Q:Hello, I would like to know the exact difference between Atlas America and Atlas Premium America policies.

A:
Please look at the major difference between Atlas America and Atlas Premium. /compare/atlas-america-vs-atlas-premium-america-insurance/ So in short Atlas premium has more travel benefits. I would suggest to go for Atlas America NOT Atlas premium. Because both plans provides same medical coverage.
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Q:I am on STEM OPT and my employer does not provide health insurance. Can I purchase the insurance options provided by you.

A:
You can purchase OPT insurance as long as you are on F visa and not eligible to purchase employer insurance. You can enroll for domestic insurance during enrollment period, which will start from next year. Please visit our OPT insurance section. Enter appropriate criteria. You will find many plans and you can also compare them side by side.
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Q:My parents will be visiting US between Jul 4th and Sept 5th. My father (68) has diabetes in controlled state and BP also in the controlled state; no other pre existing conditions. My mother (64) is completely in good condition. can you suggest the insurance i should be going in my case?

A:
Thank you for contacting Insubuy for your insurance needs. Insurance will not pay for any preventive card or pre-existing conditions. However, the quote below for your parents provides coverage for an acute onset of pre-existing conditions. Please find link below for the comprehensive coverage plan Patriot America Plus for your parents. Please review this plan and feel free to contact us if you need any further clarification.
{{currentOrigin}}/answers/visitors-health-insurance/visiting-the-us-with-pre-existing-condition-72447/

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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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.

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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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