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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I am a returning client and I purchased Atlas America Plan for my mother who was visiting the US in 2017. I have a question with regards to the visitor insurance policy for my mother. She is travelling to the US and I am planning to buy Atlas America plan for her. This plan has a deductible per policy period. What does that mean. Let me give you my understanding with an example here. If I take the plan with deductible of $500, with a 100K coverage and for 6 months. Now if the covered medical incident occurs that costs $400, the maximum out of pocket expense that I have to pay is the whole amount here which is $400 as $500 is the deductible. Now my question - Another medical incident occured within the same 6 month policy period and that costs about $1500, do I have to again pay $500 as deductible or is it like I have to pay $100 as I have already paid $400 in the previous incident under the same policy period of those 6 months. Please clarify so that I can decide on the plan.
Q:I am applying for Schengen VISA and I need a letter proving medical insurance coverage to get the approval on the VISA. As soon as I get the VISA I can purchase the insurance online. This should work as proof of my Health/Travel Accident insurance coverage in the Schengen area. How can I get similar quote or letter. What will be the fee if any to obtain such a letter?
Q: I need a insurance for my J1 visa (08JAN2019 - 23JUL2019). I'll be living in Columbia, Missouri. I saw some of the options here but I'm confuse and I wanna know which one I can use in the USA without paying when I need and one that I can easily find a medical clinic near to me in Columbia.
Q:I am an international student on F-1 visa studying in North Carolina State University. I am looking for a health insurance plan. The duration I am looking for will be starting 1st Jan and ending 31st May 2019. Can you kindly suggest what plan would be relevant for me? The university requires the following criteria to be met for an eligible health insurance: * Provides a minimum total coverage of $100,000 (USD) per accident or illness * Provides a policy yearly deductible of no greater than $500 (USD) * Provides repatriation of remains coverage of at least $25,000 (USD) * Provides a minimum of $50,000 for medical evacuation to the home country * Policy must be currently active and cover you for the duration of the current semester
Q:My parents are travelling from FIJI to INDIA and then to New Zealand and are Fiji citizen. Can I buy travel insurance for them.
Q:I'm applying for K1 visa with boyfriend, and my mom will be my joint sponsor. I know she would be responsible for medical bills, could you please tell me just the basic monthly plan I could purchase for him.
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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.
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.
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