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Ask Our Specialists

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

Q:Hello! I am writing to as about details for health insurance for a J1 Intern that will begin working for us in September this year. There are some special requirements that our existing insurance doesn't cover (Kaiser). These are the requirements we need: 1. Coverage from 9/3/2019 to 12/2/2020 2. Health and Accident Coverage $ 100,000 3. Medical Evacuation Benefit $ 50,000 4. Repatriation of Remains Benefit $ 25,000 5. Deductible not to exceed $500 per accident or illness Can you please let me know if you cover these areas for the intern, and what the next steps are to obtain coverage?

A:
We have many insurance plan that meets J visa requirements below. If you provide insured person age and we will be glad to send you quote by e-mail. Meantime, please visit our J visa insurance section at, /j1-visa-health-insurance/ Please enter appropriate criteria. Select medical coverage required. You will find many plans and you can also compare them side by side. You can purchase either ExchangeGuard or Patriot Exchange plan based on which PPO network you preferred.
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Q:I am in the process of purchasing medical insurance for my mother who is traveling to USA. Her flight from India has stops at a couple of international destinations. I would like to know the specific details of the coverage offered by the plans: 1. International including USA and 2. USA and during travel. I appreciate your timely response to this query. Thank you

A:
When you choose one of those two coverage areas then the plan will cover her medically during travel according to US EST.
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Q:Hello, Do you offer any health insurance options cover a pre-existing condition? The situation is that a woman, over 70 years of age and younger than 80, will be visiting the U.S. on a B1 B2 Visa. She will be here for a few months, starting in August. Can she get access to health insurance that covers pre-existing conditions such as Arthritis? (she also has two new knees

A:
Thank you for your interest in purchasing insurance through us. There is no insurance which covers pre-existing conditions. However, we have many plans which provides coverage for an acute onset of pre-existing conditions. Most likely Arthritis may not fall into acute onset of pre-existing conditions. Please visit our website for a quote at, /visitors-insurance/ Please enter appropriate criteria. You will find many plans, you can narrow by acute onset of pre-existing conditions. If you provide her travel date, age and we will be glad to send you quote by e-mail.
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Q:I am going on a short trip back to the the United States. Would one your travel insurance polices provide coverage for Emergency Medical Treatment for injury and/or illness in the USA?

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:Do you provide Emergency Medical Evacuation Insurance? My husband and I are both British citizens living in the Turks and Caicos Islands. We are looking for an annual policy for Emergency Medical Evacuation Insurance.

A:
Unfortunately the medical evacuation only plans are for travel to the US. You can instead purchase a lower cost medical plan with high deductible and those will include that benefit. You can find the plans in the travel outside USA section of our website /travel-health-insurance/ ;
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Q:Hello I am Egyptian and I would like to travel to US as a Visitor with Visitor Visa Is it possible to have health insurance while I am in US for 5 Months. I am pregnant now Will the health insurance cover my delivery in US if I have give the birth there?? Thank you for your help.

A:
Thank you for contacting Insubuy for your insurance needs. There are no plans that you could purchase to cover the cost of your delivery here in the United States. The plans are designed to cover any new accident and new illnesses that happen after the effective date of the policy. You would have to pay for these expenses out of pocket. If you need any additional clarification please contact our office.
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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.

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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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