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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I wish to purchase travel insurance for my parents. Can you please guide me on any Comprehensive plans that will cover acute onset of CHRONIC condition.
Q:I need a plan with the following coverage: Could you help me choose the best option? MAINTAINING INSURANCE COVERAGE Health insurance coverage is required for all J-1 exchange visitors and their dependents. For general information about health insurance, please click here. The U.S. Department of State has established minimum requirements for insurance coverage in order to protect J-1 participants and their family members in case of illness or accident. These requirements include: - Maximum coverage for medical benefits cannot be less than $ 100,000 per accident or illness. - If you should die in the United States, your insurance must provide at least $25,000 to send your remains to your home country. This is called "repatriation of remains." - If, because of serious illness or injury, you must be sent home on the advice of a doctor, the insurance must pay up to $50,000 for the expenses of your travel. This is called "medical evacuation." - The deductible cannot be more than $500 per accident or illness. This is the amount you would have to pay before the insurance company pays anything. Many policies have a much lower deductible, which is good for you. - The insurance must pay at least 75% of covered medical expenses. After you have paid the deductible, an insurance policy usually only pays a percentage of your medical expenses and you pay the rest. The percentage you pay is called co-insurance or a co-payment. - The policy may establish a waiting period before it covers pre-existing conditions (health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance industry. - The policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by the State Department (an A.M. best rating of A- or above, and Insurance Solvency International Ltd. (ISI) rating of A- or above, a Standard and Poor's Claims-paying ability rating of A- or above, or a Weiss Research, Inc. rating of B+ or above). - Most insurance policies exclude coverage for certain conditions. The J-1 regulations require that if a particular activity is a part of your exchange visitor program, your insurance must cover injuries resulting from your participation in that activity. All J-1 visitors will need to show that they have obtained insurance coverage before starting their program, and again before making certain changes to their program (adding dependents, travel, or program extension).
Q:I am going to Mount Kailash from India through Nepal. I like to know whether you have any insurance policy to cover this trip which can be purchased in India.
Q:I am going to Mount Kailash from India through Nepal. I like to know whether you have any insurance policy to cover this trip which can be purchased in India.
Q:I'm interested in the Patriot Exchange Program. I wanted to clarify further the plan details. 1. PPO - is FirstHealth, right? And the administrator is IMG? 2. Pre-existing conditions - I had my ACL reconstructed before. May I ask what types of scenarios can I have this covered? If I tweak it again from playing recreational sports, would that fall under an acute onset of this condition?
Q:Can you help me out with both ski for leisure and for professional purposes? Because right now it's leisure but maybe I'll turn it into professional I don't know yet. My age is 22. VISA is F-1 with working authorization. State is Oregon. (And maybe California)
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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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