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Ask Our Specialists

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

Q:Our date of departure is pending on Visa approval. However, we need to have a letter certifying coverage pending our travel plans for the consulate by the January 15.

A:
You can purchase a plan from the Schengen Visa section link of our website below to get the visa letter that you can provide to the consulate. Schengen Visa Insurance If you need additional assistance please feel free to contact our office.
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Q:I am an international student who has recently graduated and is currently on OPT. What plans would I be eligible for?

A:
There are several plan options that are available to OPT students needing coverage. Please look at the plans in our OPT Insurance section to review the plans and generate a quote for coverage.
{{currentOrigin}}/answers/international-student-health-insurance/health-insurance-plans-for-opt-36092/

Q:Hi, I'm looking for a travel/ insurance for my mom but need to know which kind that are fit for her situation. She is 70 years old and is US green card holder but shuttle between US and her home country (Indonesia). She stays most of the time in her home country and visit US for couple of months in Texas and then return back to her home country. I found couple of options in the website: Patriot America Plus and Patriot Platinum America but am wondering if there are more options that fit my mom situation.

A:
The other available option would be a plan called the Bridge Plan. This plan the same as other will cover the new accident and new illnesses that happen after the effective date of the policy. You can use the following link to review this plan. Bridge Plan As this plan is underwritten you would have to submit a paper application.
{{currentOrigin}}/answers/new-immigrant-medical-insurance/70-year-old-greencard-holder-traveling-between-countries-54228/

Q:I'm interested in insurance for an upcoming trip to Hawaii. We are Australian citizens and my wife is pregnant (will be 27 weeks). I've looked at what your Premium insurance covers and this seems suitable. Are we eligible to purchase insurance?

A:
Thank you for contacting Insubuy for your insurance needs. Plans are designed to cover the new accidents and new illnesses that happen after the effective date of the policy. There are no plans that will cover the cost of maternity or delivery related expenses. Some plans will offer coverage for pregnancy complications up to the first 26 weeks of the pregnancy. You can see more about the coverage in the following FAQ: /us-visitor-insurance-for-pregnancy-coverage/
{{currentOrigin}}/answers/visitors-health-insurance/trip-to-hawaii-australian-citizen-who-is-27-weeks-pregnant-needing-insurance-66683/

Q:Atlas America - out of network (non-PPO) I understand the coverages under PPO network for Atlas America plan for non-US citizens visiting the US. However, I know that at some hospitals even if they are within the PPO network, the professionals providing you service at that hospital may not be under the PPO network and that you don?t always have a choice about which professional treats you at in hospital. As a result, I would like to understand if Atlas America provides any coverage for out of network professionals. I could not find a clear answer to this on the website. Some insurance companies pay 80% of out of network professionals up to policy maximums. Is it the same way with Atlas America? I looked everywhere online about Atlas America's NON-PPO coverage, it seems completely silent which worries me. There is some tricky wording that says "you have a choice to go to any doctor...." but it does not say how much is covered if it happens that a service provider is not part of PPO. I would not do this knowingly but I am worried if we go to a PPO hospital but a non-PPO professional helps us etc without my control. Thanks in advance for your help. Yasemin

A:
In Atlas America, coverage 100% both in and out of network. Of course, you don?t get network negotiated fees out side the PPO network.
{{currentOrigin}}/answers/visitors-insurance/atlas-america-out-of-network-nonppoi-understand-the-coverages-under-ppo-network-for-atlas-america-pl-44270/

Q:Hi, I am an Indian national currently living in Japan and going to travel to Thailand for about 10 days. Can I buy travel health insurance for Thailand from your site?

A:
Thank you for contacting Insubuy for your insurance needs. Yes,you can purchase a plan from the Travel Outside USA section of our website /travel-health-insurance/ If you need assistance please feel free to contact our office.
{{currentOrigin}}/answers/international-travel-insurance/indian-national-needing-coverage-in-thailand-for-10-days-39082/

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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