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Ask Our Specialists

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

Q:I am an International Student from Australia participating in an exchange program at Fordham University in NYC. I am required to have ACA compliant US domestic health insurance for my exchange as a j-1 visa holder. What plan would meet this requirement?

A:
ACA compliant plans will not be available to visitors. It is recommended to purchase your insurance through the University you are attending. If you have any additional questions please let us know.
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Q:Can an International student studying in the U.S. on an M1 visa purchase the Exchange Guard Essentials Health insurance?

A:
Unfortunately only students who are on a J1/J2 or F1/F2 visa are eligible for the ExchangeGuard plans. M1/M2 students are eligible for PatriotExchange Program and Student Health Advantage plans. If a M1/M2 student maintains a full-time status then they would be eligible for Student Secure and Study USA plans as well. If you have any additional questions please let us know.
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Q:My uncle has cancer for years and is now planning to visit U.S.. I would like to buy him a visitors insurance just in case he need to go to the hospital during his visit. He was borned in 1954 and now 69 years old. Would you please advise if he is eligible for insurance and what kind of insurance is suitable for him?

A:
Plans are designed to cover any new illness or injuries that were to occur after the effective date of the policy. Most plans on the market will not cover pre-existing conditions, and no plans will cover preventative care or routine maintenance. Treatment for cancer of any type is excluded from visitors insurance plans. If you have any additional questions please ley us know.
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Q:I am taking a month long vacation ROAD TRIP in the united states from nyc to southcarolina I am looking for medical travels insurance.

A:
Please contact our office to assist with plan selection for your travels.
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Q:We purchased travel insurance for a cruise we were going on in May, 2023. My husband is diabetic and was having a problem with his magnesium and started receiving magnesium infusions in November, 2023. They were ordered when needed. By January his doctor put in an order for weekly infusions. After a couple months it was determined that he needed twice weekly infusions. At this time we decided the infusions would not be ending any time soon and we decided we would have to cancel our cruise. I filed notified the cruise line. They returned some of my money and had to file a claim with the insurance company. They have denied the claim, saying it was a preexisting condition.

A:
Please contact our office for assistance.
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Q:I would like to purchase medical insurance for 44 years old female and 7 years old girl with following minimum requirement- Covid-19 or pandemic coverage- Medical maximum benefits of at least 400,000.00 per person per year- The total deductable must not exceed 1000- Repatriation of remains in the amount of 50,000 should a death occur in the U.S.- Medical evacuation in the amount of 250,000 (per individual)

A:
You can take a look at the COVID-19 Travel Medical insurance coverage options that will provide coverage for COVID-19. These plans will cover any new accidents or illnesses that did not exist on the effective date of the policy.
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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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