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Ask Our Specialists

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

Q:Before I submit an online application for your Diplomat America Travel policy; I just want assurance that I would be covered. I am a US citizen residing in Mexico. I need a short term travel policy while traveling back to the United States over the holidays.

A:
We would be glad to assist. The Diplomat America plan will cover a U.S. citizen coming to the U.S. to visit who lives abroad. These types of plans will cover new illnesses and new injuries that occur or manifest after the effective date of the policy. They will not cover preventative care, routine maintenance, or pre-existing conditions. If you have any additional questions, please let us know.
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Q:I need to purchase insurance to travel from Sierra Leone to Wyoming and back, with stops in Ontario Canada and Maryland. However two things prevent me from buying the Insurance recommended: 1. not available in Maryland (why?) and must have a printed copy filled out (your company helped us deal with this one for my husband's insurance) since we live and work in Sierra Leone. Thank you for your assistance. it was the same insurance he bought. What do you suggest? I will be spending about four days in Maryland before I fly back to Sierra Leone and I don't want to be without insurance there.

A:
We would be glad to assist. The policy you are referring to is the Patriot America Plus plan. You will have to do the paper application because your home country or country of residence is Sierra Leone, however, it will cover you in Maryland as long as the insureds are not going to Maryland first. If Wyoming is the first destination, then the plan will then cover not only in all 50 states including Maryland, but anywhere outside of Sierra Leone. It will only not provide coverage if Maryland is the state you come to first. The restrictions have to do with the State of Maryland. Many plans are not available if that is the primary or first destination when entering the U.S. If you have any additional questions, please let us know.
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Q:I'm currently an F1 student at the University of San Francisco and my health insurance is cover by the Aetna network. I'm looking for a cost-effective alternative from Insubuy and would like to opt into the Exchange Guard offering.

A:
Your school wants you to purchase unlimited coverage PPACA compliant plan. ExchangeGuardis not PPACA compliant plan. So you need to purchase insurance through your school
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Q:Hi, I am looking at the visitor medical insurance, and I have a question. For "VisitorSecure" plan, I saw I can choose Deductible as $0, $50 or $100 (assume I choose $50). However, when I see the details of this plan, for example, I saw Physician visit is - up to $70, max 10 visits. So my question is - let's assume I go to a Physician visit - Should I just pay the $50 deductible amount and the insurance will cover the remaining, or the insurance will pay the first $75 and I need to pay the remaining? Thank you!

A:
Thank you for contacting Insubuy for your insurance needs. The VisitorSecurefixed coverage plan will only cover fixed dollar amounts according to a schedule of benefits. So after you have met your deductible the plan will pay only the fixed dollar amount listed in the schedule of benefits. You would be responsible for any amount above and beyond the fixed amount listed. For a more detailed description of how fixed coverage plans work please see the below FAQ. Fixed Coverage If you have any additional questions please contact our office.
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Q:Does Atlas Essential America cover psychiatric medications?

A:
We would be glad to advise. Short term plans do not cover pre-existing conditions and therefore would not cover prescriptions related to a pre-existing condition, including the one below. Also, the Atlas Essential plan specifically, does not include any prescription coverage, even for new illnesses or injuries. The Atlas Essential plan does come with a prescription discount card, that you can use towards any prescription including the ones below to receive a discount on the total cost of the prescriptions at the pharmacy. This card would be included in your confirmation email after purchase. Please let us know if you have any additional questions.
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Q:I will be departing to Delhi, India on January 1, 2019 and return to San Francisco on January 17, 2019. Our group leader suggested to all members to purchase medical insurance during our stay in India. I am looking for a comprehensive medical insurance with a $250 deductible. The tokio Marine HCC underwritten by Lloyds. I did not see this on the website. Please advise.

A:
Thank you for contacting Insubuy for your insurance needs. Here is the link for the Atlas International plan you requested If you need any assistance please feel free to contact our office.
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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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