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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I am looking for medical insurance for my wife. She is a Brazilian citizen living in Connecticut with a J-2 visa. I am a J-1 student with health insurance provided by my sponsoring university. A requirement for her visa is to have medical insurance with the following minimum coverage: 1. $100,000 per accident or illness 2. A deductible of no more than $500 per illness and a co-pay not to exceed 25% 3. Medical evacuation in the amount of $50,000. Evacuation refers to transporting an injured person for medical treatment. 4. Repatriation coverage for up to $25,000. Repatriation refers to transporting a body to the country of citizenship after death. I would like to know if she could buy insurance from InsuBuy as a Brazilian Citizen who spends about 10 months per year in the US with a J-2 visa. Ideally, we would like to renew the insurance for the next 5 years. Do you recommend any particular plan for our needs? Lastly, part of the legal requirement for the corporation underwriting is to have the minimum rating requirement: "A.M. Best rating of "A" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-i" or above, a Standard and Poor's Claims-paying Ability rating of "A" or above, a Weiss Research, Inc. rating of "B+" or above". Can you confirm that the corporation which underwrites the insurance fulfills such requirements or point to a source where I could check this information?
Q:I understand you offer policies that work for passengers traveling to the USA from Europe/Middle East? Is it only for US citizens? Coverage is needed in the USA. This would be for pax traveling from Israel to US. (They are US citizens, but not US residents.)
Q:I am looking to buy travel insurance for 2 visitors to the USA for about 6 months. They are both over 70 years of age. My specific concern is about pre-existing conditions coverage. Some of your plans indicate coverage for "acute onset of preexisting conditions" and others indicate "sudden and unexpected recurrence of preexisting condition". I went thru https://www.insubuy.com/sudden-and-unexpected-recurrence-of-pre-existing-conditions/ and https://www.insubuy.com/visitor-insurance-acute-onset-of-pre-existing-conditions/ I want to understand what that means in my specific context. Below are some of the details: They both are diabetic and hypertensive and take medications for these and cholesterol. One of them has had a bypass surgery while the other has had a hip surgery. From your webpage I do understand that there are no guarantees on the matter. So with these conditions what are examples of acute onset that may be covered and what may not be covered? Similarly for "sudden and unexpected recurrence". If the answer depends on the specific plan, please provide plan wise details. Lastly I read in many of the plans (e.g. Patriot Platinum Plans and Atlas plans) that if the condition is chronic (e.g. if you are taking medications for it on an ongoing basis) it is not considered preexisting/acute onset and hence not covered at all. Is that true? My concern is about emergencies arising out diabetes or hypertension in my case and not their regular medications. Are there any plans that cover?
Q:Are the rates listed to be payable at once, in advance, or as monthly premiums?
Q:Are the rates listed to be payable at once, in advance, or as monthly premiums?
Q:I am looking for insurance which can cover maternity expenses of my wife while in USA in July 2019, If you can offer any type of insurance, please let know so i can purchase. Thanks.
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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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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.
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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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