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Ask Our Specialists

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

Q:how to buy the travel insurance

A:
Thank you for contacting Insubuy for your insurance needs. Do you have a question about a plan? If you are looking for coverage to visit the US you can find them here /visitors-insurance/ If you are looking for coverage to travel outside of the US you can find them here /travel-health-insurance/ You can also contact our office for assistance.
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Q:I am emailing to inquire about insurance coverage for a new visit to the U.S. I used your insurance coverage for a trip last Dec-Jan. I am an American living in Australia and going home for a visit on May 14th. Is the policy below renewable? I noticed that one of the highlights listed for this coverage is the ability to renew the insurance coverage?

A:
Thank you for contacting Insubuy for your insurance needs. The renewability features are available during the plans validity period. So if the plan has expired unfortunately it would no longer be renewable. You can however repurchase the plan for coverage for the needed duration. Please see the link below to the plan. Patriot America Plus If you need any additional clarification please feel free to contact our office.
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Q:I am temporarily without medical coverage. Is it possible to get a 10 day to 2 week short term catastrophic medical coverage effective May 1, 2019? I'm a US citizen living in and applying for Permanent Residency in Canada.

A:
Thank you for contacting Insubuy for your insurance needs. You can purchase the IMG plan Patriot International for coverage in the interim period. The earliest this plan can start is 5/2 as this plan cannot start the same day. Please use the following link to review this plan and to generate a quote for coverage.
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Q:Can you please confirm the limit of the personal liability coverage provided by the Atlas America Premium Plan for a 75 year old policy purchaser for a policy maximum of USD 250000 with 0 deductible ?

A:
Thank you for contacting Insubuy for your insurance needs . The personal liability coverage on the plan is in the amount of $100,000 for the insured individual. If you need any additional assistance please contact our office.
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Q:I am a new postdoc at Columbia University. Currently, I am looking to find an appropriate health insurance which satisfies the University's insurance policy. I am so sorry to ask you about this, however I have quite limited information about health insurance system in this country, and know quite few about it, so I would be very happy to be advised before I make an decision. I found a issuance called Patriot Platinum America which is provided by International Medical Group. Do you think this insurance fully covers the University's policies/criteria? For example: +++ 1. Medical benefit of at least $100,000 per person per accident or illness 2. Deductible that does not exceed $500 per accident or illness 3. Coverage of pre-existing conditions after a reasonable waiting period 4. J patient cannot be required to pay more to exceed 25% medical costs 5. Minimum medical evacuation expenses in the amount of $50,000 6. Minimum repatriation of remains in the amount of $25,000 7.The insurance company must meet minimum industry rating requirements (an A. M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-i" or above, a Standard & Poor's Claims-paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above). I am so sorry to ask you this, however I officially started my contract from April 1st, and the Human Resource Office at CUIMC needs to be confirmed as soon as possible. So I would be dry happy if you give me your thought about this. I look forward to hear from you.

A:
The Patriot Platinum America Plan does not meet the requirements listed. However, there is a plan called Patriot Exchange Program that will meet these requirements and is similar in coverage. If you need any additional assistance please contact our office.
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Q:Reg: Atlas We are looking for medical and travel insurance for our visit to USA as follows: Male Date of birth 21-Dec-1943, Age 75 + Itinerary: Departure Bangaloare, India 17 May 2019 at 4:30 AM Arrival Chicago with stop at Dubai 17 May 2019 at 3:45 PM Travel within USA upto 04 July 2019 Departure Newark NJ 04 July 2019 at 11:30 AM Arrival Bangalore with a stop at Dubai 05 July 2019 at 7:15 PM Female Date of birth 18-Feb-1945, Age 74 + AND Male Date of birth 18-June-1939, Age 79 + Itinerary: Departure Mumbai, India 17 May 2019 at 4:30 AM Arrival Chicago with stop at Dubai 17 May 2019 at 3:45 PM Travel within USA up to 04 July 2019 Departure Newark NJ 04 July 2019 at 11:30 AM Arrival Mumbai with a stop at Dubai for two days 07 July 2019 at 9:55 PM We have gone through your web site and have the following queries Does it include the following: 1) Political evacuation also payable under natural disaster. 2) Bed side visit 3) Common carrier accident death & dismemberment. 4) Crisis like kidnap, theft, loss of personal belonging etc., 5) Personal liability is shown as payable for Atlas America ($ 25,000), but not in Atlas Premium America. Please clarify for 70-79 age group and 80+ Please reply at the earliest as we wish to close the deal by tomorrow.

A:
Thank you for your interest in purchasing insurance through us. You can run a quote for plans in the link below: /visitors-insurance/ Answer for your questions below: 1) Political evacuation $100,000 for Atlas America and $150,000 for Atlas Premium. natural disaster- Optional coverage in Atlas America plan and Atlas Premium $10,000 2) Bed side visit- Up to $1500 in Atlas America and Atlas Premium 3) Common carrier accident death & dismemberment.- Common Carrier AD & D $25,000 upto age 74 and 75 years and above $12,500. 4) Crisis like kidnap, theft, loss of personal belonging etc.,- $10,000 for Atlas America You can take additional coverage with rider and $100K Atlas Premium- 5) Personal liability is shown as payable for Atlas America ($ 25,000), but not in Atlas Premium America.- Personal liability $100k in Atlas premium and $25k in Atlas America Please clarify for 70-79 age group and 80+- One person age is 79 will turn 80 in Jun. So you can purchase insurance for whole duration so benefits will be according to age 79yrs. You have to take rider Crisis response and personal liability in Atlas America plan. Please read certificate wording for more details. certificate wording for Atlas America Certificate wording for Atlas Premium America Please feel free to contact us if you need any further information.
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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.

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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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