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Ask Our Specialists

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

Q:My 27 year old son who is a medical student will be visiting Peru, Bolivia, Chile and Brazil in March and April. I was wondering about travel and K&R insurance for him for this trip.

A:
Thank you for contacting Insubuy for your insurance needs. How much K&R insurance are you looking for? We have a plan that you can increase the "Crisis Response" benefit up to $100,000 and will include medical coverage up to the policy max you choose here: Atlas International If you are looking for a high limit K&R plan then you can complete the paper application to obtain a quote: Kidnap and Ransom Insurance If you need additional assistance please feel free to contact our office.
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Q:My wife & I planing to deliver a baby in USA, I want to know if you have any insurance plan covering maternity with child birth, since we are a visitors and residences in other country. She is now not pregnant and we just want to plan.

A:
We would be glad to advise. There is no plan on the market, that will cover a visitor for maternity, or anything related to pregnancy. Some plans do offer a complications of pregnancy coverage up to 26 weeks, but nothing more. All expenses related to maternity / pregnancy would be paid for directly at the time of services. I have attached a link below for you to review, with more information regarding this topic. US Visitor For Pregnancy Coverage If you have any additional questions, please let us know.
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Q:I have a question regarding Atlas America medical insurance for USA visitors. Do I understand correctly that their plan always pays 100% to policy maximum after deductible even if we get help medical help outside of the network? I'm trying to understand the difference between Atlas and Patriot plans and want to make sure that Atlas doesn't have this "80% up to $5,000 outside the network" condition. Thank you for your help.

A:
We would be glad to advise. The Atlas plan will pay 100% of usual, reasonable, and customary charges outside the network for covered expenses. What that means, is that if you go to an out of network Dr for an appointment and they charge $275.00 for the appointment and that is a usual reasonable charge for that type of visit in that area, then they will cover it. But if the majority of physicians in that area charge 225.00 for that same appointment, you would be responsible for the $50.00 difference. Remember that all plans cover new illnesses and new injuries that occur or manifest after the effective date. They do not cover anything preventative, routine, or pre-existing. Some of the plans, like the 2 you are looking at, do include the Acute onset benefit for pre-existing conditions. I have attached a link below with information about that benefit and how it works for you to review: Acute Onset FAQ If you have any additional questions, please let us know.
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Q:Hello, I am looking for long term coverage with IMG or Cigna- looking to compare your plans for my spouse and I. We will be in Denmark for about 9 months a year and US for 3 months. I will need coverage to begin April 1st. I am a US citizen. I was hoping to see the IMG platinum plan compared to Cigna Gold( both have maternity right)?

A:
The Global Medical plan will cover maternity under the Platinum version. We do not offer Cigna so we cannot advise as to what coverage they have.
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Q:Im a 37 year old South African traveling to Brazil.I do have my Solo Pilot Licence . Im looking for paragliding insurance that covers everything. Can you please let me know if your company does cover south Africans traveling abroad?

A:
Thank you for contacting Insubuy for your insurance needs. We have a plan that will include Paragliding if you add the Adventure Sports Rider at the time of purchase: Patriot International If you need additional assistance please feel free to contact our office.
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Q:How long before I travel do I need to purchase coverage. ? Will not know exact date until green card arrives? Would like to have coverage the day I cross the US border. Currently visiting in US but will return to Canada to get green card , soon.

A:
Thank you for contacting Insubuy. The insurance would need to be purchased prior to the date you would like the plan to start. There is a plan called International Major Medical that you are eligible to purchase for coverage . If you need any additional assistance please contact our office.
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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.

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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