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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I'm planning to go to West Europe and consider to buy travel insurance, specifically the Travel LX plan. I also need to apply Schengen visa which requires me to buy an insurance. So I wonder if this plan meet Schengen visa requirement. If so, do you provide some letter that I can use in visa application? Since it's not guaranteed that the visa will be granted, I'm looking for a plan that meets Schengen visa requirement and also can allow me to cancel if my visa is declined.
Q:I'll start a visiting fellowship at Stanford University, California by January, 20th. I need to make an insurance before my arrival and I have a couple of questions regarding that: 1. I need to fulfill the following requirements: - Medical benefits of at least $100,000 per accident or illness. - Repatriation* of remains in the amount of $25,000. - Expenses associated with the medical evacuation* of the exchange visitor to his or her home country in the amount of $50,000. - A deductible not to exceed $500 per accident or illness. - If a particular activity is a part of your Exchange Visitor program, your insurance must cover injuries resulting from your participation in that activity. - The policy may establish a waiting period before it covers pre-existing conditions (health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance industry. - The policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by DOS (an A. M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (ISI) rating of "A-i" or above, a Standard & Poor's Claims-paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of B+ or above). I'd like to choose the insurance plan with the lowest cost. As I've checked your website, Atlas Essential America seems to fit these standards. Yet, its deductible, which is $250, is offered per period, but I need to choose a deducible amount per accident or illness. How can I change this option while I ask for a quote? 2. My J1 visa expires at July, 20th, but I'm not sure whether I'll stay until this date. I'd like to buy an insurance that covers until July, 1st, and extend the insurance period if I need. Would that create a problem during my entry to the USA? 3. My husband is a J2 holder, but he'll arrive 2 months later that I will. Do we have to buy our insurances at once, or, can he buy his insurance later?
Q:I have a question regarding the Exchange guard choice Insurance. I'm planning to buy insurance for my 4 month stay however I haven't yet applied for the visa, insurance is required to successfully apply. Is it still possible for me to purchase the insurance?
Q:I have my meeting with the French Consulate in Atlanta on January 28, 2019 and will need to have proof of insurance.
Q:I am a F-1 student studying at Troy University (Montgomery Campus), Alabama. I was hoping to get a cheaper insurance than the one I currently have, that covers all the requirements. I have attached a form that contains the requirement from my school. My number is #### and I will like a call back with any useful information (plan options).
Q:I have my meeting with the French Consulate in Atlanta on January 28, 2019 and will need to have proof of insurance. My goal is to get the long term visa, then my residency. My reason for going is to restore my grandmother's little farmhouse. I hope not to return for at least 12 months, depending on whether or not I am granted the long-term visa (with plans to eventually become a permanent resident). I currently live in the U.S. but will be leaving for France at the beginning of February. On the Patriot's Insurance questionnaire, should I say I am a resident of the U.S. or of France? Thank you for your attention to this detail.
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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.
Learn MoreWhy purchase insurance from Insubuy®?
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.
Learn MoreTraveling 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.
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.
Learn More