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Ask Our Specialists

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

Q:Hello, I am interested in purchasing health insurance for my partner and I, ages 31 and 32. We are both U.S. citizens and currently live in Australia under Visas subclass 457 and 462. I spoke to one of your agents and specifically asked about any restrictions for obtaining your comprehensive Diplomat America insurance for 18 days while traveling in the US. I moved to Australia on Oct 1st, and will return to Australia on Jan 1st 2019. Your agent stated that I qualify for insurance as long as I plan to return to Australia. However, when I try to purchase the insurance I am unable to indicate that my home country is Australia. Does this mean I am not eligible to purchase temporary insurance for a short visit to the U.S.?

A:
Thank you for contacting Insubuy. The Diplomat America plan is not available if your mailing address is in Australia so you would not be able to purchase this plan as it requires a foreign mailing address for issuance of the policy. There is a plan available called Patriot America plus that you are eligible to purchase as a U.S. citizen returning home for a short visit. This plan will cover any new accidents or new illnesses that happen after the effective date of the policy. If you need any additional assistance please contact our office.
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Q:Hello, we're making the move to Ontario and OHIP recommends private health/travel insurance for its 3-month wait period OHIP requires of new residents. My daughter (3 years old) and my son (1 year old) both require health insurance. They will be new residents of Ontario. Because they are so young, they will need to visit the doctor regularly for their government-required vaccines before they go to school/preschool. Would these well-baby/well-child visits and vaccines be covered by any of your insurance plans? And which plan might that be if so? Thank you for your attention to this matter, we would love a response asap as the move is coming up this Sunday.

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 for the policy. Plans do not cover preventative care, wellnesses visits or immunizations. These expenses would have to be paid for out of pocket. If you need any additional assistance please contact our office.
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Q:I have a question about insurance plans for my family while traveling for Christmas. We are traveling from South Korea to Nebraska. We will not go anywhere else. Our schedule is a bit complicated. How much will medical insurance cost insurance for: 1. Me - American Citizen - 35 year old Travel date: 12/20/2018 - 1/1/2019 2. Kid - American Citizen - 0 years old Travel Date: 12/20/2018 - 1/26/2019 3. Wife - Korean Citizen - 34 years old Travel Date: 12/20/2018 - 1/26/2019 Thank you for your help!

A:
Thank you for contacting Insubuy for your insurance needs. Your family can purchase a plan called Patriot America Plus. This plan will cover any new accidents and new illnesses that happen after the effective date of the policy. Yourself and child can go on one application as U.S. citizens and your wife as a South Korean citizen on another application. We have sent you 2 separate quotes for coverage. If you have any questions please contact our office
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Q:I will be traveling to Tanzania to climb Mount Kilimanjaro and I would like to confirm that it will be covered in the plan.

A:
Thank you for your interest in purchasing insurance through us. Please find more information on Mt. Kilimanjaro Travel insurance . Please review the insurance plan details, you need to take hazardous sports rider. Please review the certificate wording and feel free to contact us if you have any further questions.
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Q:Hello :) I am from Mexico. I will study next year (End of January to June) in Denmark. My university asks for an international insurance that complies with the following: Medical and hospital expenses due to accident and or illness abroad. Repatriation for health reasons or mortal remains. Evaluation and medical diagnosis abroad. Civil liability I want to know which of the following insurances meets the requirements: insurance smart or budget. If not, which of your insurances complies with the characteristics described above? Thank you in advance.

A:
Thank you for your interest in purchasing insurance through us You can purchase Atlas International plan with Optional Personal Liability Rider. Atlas International brochure, instant purchase and other useful information at, If you provide us your age, travel date and will be glad to send you quote by e-mail.
{{currentOrigin}}/answers/international-travel-medical-insurance/coverage-for-a-student-outside-of-the-us-80413/

Q:I am thinking to purchase insurance for a group of students who want to study abroad in China this coming summer. They will stay in China for about 4 weeks. We have the following requirements: The insurance should include 1)health insurance 2) evacuation insurance 3) none deductible We are expect to have about 30-40 students and all of them are US. college students.

A:
We have many group insurance for which your students will be eligible to purchase. If you provide their age, travel date, destination and will be glad to send you quote by e-mail. Meantime, you can visit our International Travel Group insurance section at, Group Travel Medical Insurance Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
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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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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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