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Ask Our Specialists

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

Q:I need dental vision insurance and I live outside the U.S. I am wanting to fly in for treatments, exams etc...

A:
Thank you for contacting Insubuy for your insurance needs. We do not offer a dental/vision insurance but instead a discount plan: Careington Discount Plan If you have additional questions please feel free to contact our office.
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Q: I'm contacting you about flight insurance for our upcoming vacation. We do not need insurance for medical coverage or hotels, only flight insurance. Just in case we miss our connecting flights and the airline will not reschedule our flight free of charge. We booked our flights through a company that does not offer flight insurance.

A:
Trip insurance is to cover the cost of the complete trip. For example, if there is a serious illness and you are no longer able to travel then the plan would cover the non-refundable cost of the trip. Within these plans there are benefits for missed connection but for specific reasons. You would also have to purchase separate plans since the travel dates are different. Plans are also according to residence so if they not a US resident then they would need a plan for non-US residents.
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Q:I am student from IUPUI, Indianapolis. I am looking for health insurance. My Visa status is F1. My University requires the condition to be fulfilled by insurance are as follows:- Please send me the quotation of health insurance plan fulfilling these conditions. Minimum $100,000 each sickness Minimum $100,000 each accident or injury Minimum $50,000 for medical evacuation (in case you must return to your home country for medical care) Minimum $25,000 for repatriation (in case of death, this covers the cost of returning the body to the home country) My policy deductible is $500 or less My insurance covers all pre-existing conditions with no waiting period or other conditions. My out-of-pocket max is $2,000 or less. Looking forward for your response

A:
The requirements below state that the plan "covers all pre-existing conditions with no waiting period or other conditions". Unfortunately, available plans have at least a 6 month waiting period so you would need to purchase the plan the university is providing to be able to meet their requirements.
{{currentOrigin}}/answers/f1-visa-insurance/health-insurance-for-f1-visa-holder-with-iupui-indianapolis-university-requirements-43477/

Q:We're planning a trip to Miami to spend time together with my parents in law. My mother in law - will travel from 24-April-2019 till 21-July-2019. My father in law - will travel from 24-April-2019 till 06-May-2019. Could you make me some offers for a visitors medical insurance for them. I'm from Germany and will make the contract for them.

A:
There will be several plan options available to your in in laws as visitors. You can view the Visitor to the USA section of the website to see the available plans and to generate a quote for coverage.
{{currentOrigin}}/answers/visitors-insurance-usa/in-laws-visiting-from-germany-coming-to-miami-82364/

Q:I need information urgently. I have to buy insurance for spring and I have information that besides the students requirements (100,000 max, 500 max deductible, 25,000 min for repatriation of remains, etc...) the insurance needs to be ACA compliant. Do you offer any health insurance also ACA compliant??? If so, could you send me information about it and how to buy it??

A:
The only place we are aware of that will offer ACA compliant insurance to a J1/J2 visa holder would be the university itself. The university offers domestic insurance, which is the only insurance that would be ACA compliant.
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/health-insurance-university-requirements-and-aca-compliant-29544/

Q:My husband has stable heart condition and has had no changes for over 3 years. He is also diabetic on insulin. Will waiver for preexisting conditions be applicable if purchased within time period. I will book hotels which are non refundable within 2 to 3 days of arrival. Do I add these to my costs?

A:
Yes, the pre-existing exclusion is waived if purchased within the time frame mentioned. You would include the cost of the hotel since the plan will cover the non-refundable trip cost.
{{currentOrigin}}/answers/travel-insurance/trip-insurance-pre-existing-waiver-75260/

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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