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Ask Our Specialists

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

Q:I am planning to take Health Insurance for my mother arriving shortly in USA at my place. Wanted to know if all existing diseases will be covered in the plan? Her age is 68 years. She has Diabetes and had Heart surgery in 2014. Currently her health is very good.

A:
Thank you for your interest in purchasing insurance through us. We provide insurance from many companies. None of the plan will pay for routine maintenance for pre-existing or preventive care. However, We have many plan which provides coverage for an acute onset of pre-existing conditions. If you provide your mother travel date, which state do you need coverage for her and will be glad to send you quote by e-mail. Meantime, please visit our website at, /visitors-insurance/ Please enter appropriate criteria. You will find many plans, you can narrow by the plans with pre-existing coverage and compare the plans side by side. If you have any further questions feel free to contact us.
{{currentOrigin}}/answers/visitors-insurance-usa/pre-existing-condition-coverage-for-visitors-77999/

Q:I am trying to buy visitor health insurance for me, my wife and 2 kids. My younger kid was born in US hence US citizen but she lives in India now. When I enter her Citizenship as USA I am not able to buy the insurance. The error I get "The Citizenship country United States is not allowed for the plan. Please choose an alternate plan on this website or contact us for further assistance". Please suggest which insurance allows this.

A:
We would be glad to assist. Because your child is a U.S. citizen, she would have to be on an individual policy, separate from you, your spouse, and other child. The 3 of you can choose any of the visitor plans (if you are traveling on B1/B2 visas) that it shows available through the quote to you based on your country of citizenship and destination state. Your U.S. citizen daughter can be covered on one of our Patriot Plans. I have attached the link for the 2 Patriot plans below. These plans will cover a U.S. citizen visiting the U.S. The only difference between the 2 Patriot plans is Patriot America Plus has an acute onset benefit for pre-existing conditions, and the Patriot America does not. If you have any questions, or need any additional assistance, please let us know.
{{currentOrigin}}/answers/visitors-insurance-usa/patriot-plans-for-visiting-us-citizens-95559/

Q:I am an Irish student and I am going on an exchange to UCF (University of Central Florida) for a full academic year that is commencing in August 2019. From the information UCF sent me, they require me to take out insurance and expect the attached document to be filled out by the Insurance company. If you could let me know what policy would suffice, details of what it covers and price that would be great. I already have a local policy in Ireland with VHI and it covers me for 100,000 abroad for emergencies. Just to confirm, I do not have any pre-existing illnesses.

A:
There is a plan called Study USA Preferred 500 that will meet the requirements for UCF. You can use the link to review the plans and to generate a quote for coverage. If you have any questions please do not hesitate to contact our office for assistance.
{{currentOrigin}}/answers/international-student-health-insurance/health-insurance-for-exchange-student-university-of-central-florida-requirements-35094/

Q:Would any of these two Study USA plan cover future pregnancy until the delivery day of the newborn baby ?

A:
The Study USA plans will provide maternity coverage according to the certificate wording for and pregnancy in which conception happens after the effective date of the policy.
{{currentOrigin}}/answers/international-student-health-insurance/study-usa-coverage-of-future-pregnancy-until-delivery-31219/

Q:Hi, I am looking into buying travel insurance for my parents under the acute onset of pre-existing conditions plan. My father had an angioplasty some 5 years ago. Will any sudden heart problem during his travel be covered in the plan? Does the acute onset plan also cover sudden ailments not related to pre-existing conditions? Could you provide me a detailed brochure of coverage if possible? Please advise. Thanks

A:
Thank you for contacting Insubuy. In order for a situation to be covered under the acute onset or pre-existing condition coverage the situation would have to meet the definition. An acute onset is defined as a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously, without advance warning, is rapidly progressive, and requires urgent care. If there was situation which occurred which was considered a new illness, injury or accident the policies are designed to provide coverage for these conditions. Please use the link provided below to view an FAQ which answers many questions, clients have had regarding this benefit. Final determination of coverage will be made by the claims department using the attending physicians statement and medical records. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/visitors-health-insurance/questions-about-acute-onset-of-pre-existing-condition-coverage-62326/

Q:Are there any short term insurance options for residents in CA?

A:
Unfortunately, there are not short term domestic insurance plans available for residents of the state of California.
{{currentOrigin}}/answers/other-insurance/short-term-domestic-insurance-living-in-california-68054/

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.

Did you know?

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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