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Ask Our Specialists

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

Q:I'm interested to purchased the policy while travelling to USA. My father's age exactly 70 so want to make sure "Acute Onset of Pre-Existing Conditions" benefit is included for 70 years of age. Please confirm so I can purchase the policy.

A:
Thank you for contacting Insubuy for your insurance needs. There is a plan called Atlas America that will cover an acute onset of a pre-existing condition up to a maximum of $100,000. If you have any questions about this policy please feel free to contact our office.
{{currentOrigin}}/answers/visitors-insurance/atlas-america-acute-onset-coverage-53580/

Q:I am looking for a travel insurance coverage for my Dad visiting USA from India for approx 4 months

A:
Thank you for contacting Insubuy for your insurance needs. All of the available plans can be found on our website in the visitor to USA section If you need additional assistance please feel free to contact our office.
{{currentOrigin}}/answers/visitors-insurance/medical-coverage-for-visiting-the-usa-23330/

Q:Please quote the prices of the following people for Atlas International Insurance 0 Deductible for Canada & USA 1. , Age 45 Years Canada Arrival date - 17th June 2019 Canada Departure Date - 7th July 2019 2. Age - 24 Years Canada Arrival date - 17th June 2019 Departure Date - 7th July 2019 Arrival Date in USA - 7th July 2019 Arrival USA - 7th July 2019 Departure USA - 17th July 2019

A:
Thank you for contacting Insubuy. Please run a quote from the links below. Link for running a quote for the 45 year old /travel-health-insurance/ Link for running a quote for the 24 year old /visitors-insurance/ Be mindful of the geographical restrictions noted under each plan. If you have additional questions or need further assistance please let us know. You may also call our office and any of our licensed representatives will be able to assist you.
{{currentOrigin}}/answers/other-insurance/visitng-the-us-with-different-dates-of-travel-and-destinations-50294/

Q:Hello, I am trying to buy insurance for my parents visiting from India. I always use your website and how come I only have 1 option to purchase now when I try to get the quotes? My parents age is 66 and 65 and they are both traveling between 6/17/2019 and 7/11/2019 (25 days). They live in India (Indian citizens and residents) and the travel destination is USA.

A:
What policy maximum range are you entering. Last time you purchased Atlas America plan with $250,000 coverage. If you select $100K to $125K you will have lot more options and another reason could be MD. Last time your mailing address was MD. Please visit our website at /visitors-insurance/ Please feel free to contact us if you need any further clarification. You can call our office at +1 (866) INSUBUY. Provide their previous policy number and will be glad to complete the application over the phone.
{{currentOrigin}}/answers/visitor-insurance/limited-option-for-visiting-health-insurance-28161/

Q:We are a group of students looking to buy overseas travel insurance. The University requires the following points to be met by the insurance that we travel with. Can you please let me know whether the above insurance meets the criteria mentioned below? And if it doesn't then can any customized plan be made to fulfill the criteria for us. Criteria: - The plan deductible is no more than $2,500 per insured per year or $500 per illness. The Insurance company must have a domicile in United States for at least 6 years. - The plan provides unlimited annual and lifetime benefits (i.e., no policy maximum). - Cannot exclude or limit coverage for pre-existing conditions. - The plan provides prescription drug coverage. - The plan must have 100% coverage for preventive care, including vaccinations, in Atlanta, GA and surrounding areas. - My plan provides coverage for both emergency and non-emergency inpatient and outpatient medical (laboratory, diagnostic services, primary and specialty care, and physical therapy included) and mental health care in Atlanta, GA or the surrounding areas. - The insurance plan must cover at least 75% of usual and customary charges in Atlanta, GA and surrounding areas. The plan may not contain specific limitations for the treatment of medical conditions relative to standard hospital or outpatient care. For example, an insurance plan that has limited coverage of hospital room and board to $500 or limited coverage of ambulance costs to $350 would not be acceptable. - The insurance coverage is not through a medical cost sharing or co-op type program. - The plan has a U.S. based claim administrator, a U.S. telephone number and address for submission of claims, and the policy is issued in the U.S. - Oral contraceptives must be covered at 100% of usual and customary charges in the Atlanta, GA. area. - The insurance plan must cover both inpatient and outpatient mental health treatment and must cover treatment for substance abuse (both alcohol and drug abuse). - The plan must have a "medical evacuation to home country" benefit of at least $50,000 and a "repatriation of remains" benefit of at least $25,000. - Your insurance plan has an A.M. Best rating of A- or better

A:
Please be advised that we would be unable to offer a plan that would meet all the requirements for the insurance you are requesting. We would recommend seeing if the school offers a domestic plan that would be suitable or checking the students eligibility through the health care exchange.
{{currentOrigin}}/answers/international-student-health-insurance/health-insurance-meeting-university-requirement-criteria-27684/

Q:As I am interested in buying high limit accident insurance, I checked the application form and it is written clearly that the cover provided will not be greater than 10 times the annual income. But as I am a trainee pilot my annual income is approx $2570 USD which is very less. So are there any options by which I can increase the limit of the accident insurance? If yes then please explain. That will help me while filling the form. Also, Can I buy this Insurance now from my country (India)?

A:
The plan is only available at 10 times the annual income so there is no way to extend the coverage beyond that unfortunately. You will have to provide a U.S. address on the application in order to have a policy written. So you are free to apply as long as you are providing a U.S address.
{{currentOrigin}}/answers/other-insurance/high-limit-accident-insurance-annual-income-60368/

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.

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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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