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Ask Our Specialists

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

Q:I am looking for medical insurance for a trip to the US. The parent is a South Korean citizen. The child (10 months old) is a dual-citizen of South Korea and the US (will enter US on US passport). Is it any issue for the child to be added to the parent's insurance? I don't see any place to indicate that the child is a US citizen.

A:
The policies available to U.S. citizens visiting the U.S. will not allow for people with different citizenships to be on the same policy. Therefore, you will need to do individual policies for them. If you have any questions, or need any additional assistance, please let us know.
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Q:Can I purchase visitors medical insurance from the 12th of Sept, 2018 to 14th Oct, 2018 for USA? My home country is India but I'm in London since last month and will be going back to London on 14th October.

A:
Yes, you can purchase it online at: Insubuy Visitors Insurance You currently being in London is not a problem.
{{currentOrigin}}/answers/visitors-health-insurance/visitor-visa-health-insurance-options-70987/

Q:I'm a student from Stanford university. I am considering to buy StudentSecure Elite Insurance from you. Please advice if the StudentSecure Elite insurance fulfils all the requirements listed in the attached Insurance coverage certification form. Looking forward to your prompt reply. Thank you.

A:
Thank you for contacting Insubuy for your insurance needs. The Student Secure Elite plan will meet the requirement for Standford University. If you need any assistance please contact our office.
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Q:My in-laws will be in New York State for 3 months and then in Ohio State for another 3 months. They come from China to travel in the US. How can I purchase the insurance for them? One time or purchase separately? The plan I am looking at is Atlas America. Thank you very much.

A:
You can purchase one plan for the whole duration since Atlas America will cover them everywhere outside of their home country so they will be covered in both states. If you have additional questions please feel free to contact our office.
{{currentOrigin}}/answers/visitors-medical-insurance/travel-us-health-insurance-visiting-multiple-states-78592/

Q:I am a full-time missionary in Bulgaria. I have Bulgarian health insurance to cover me while I am in Bulgaria. I need short-term health insurance for my upcoming two month trip to the USA (Colorado). Can you advise me? I don't need major medical insurance, but only insurance to cover me in an emergency while in the USA.

A:
Thank you for contacting Insubuy for your insurance needs. Just to confirm, what is your citizenship? If you are a US citizen then we would recommend the Patriot America Plus plan for your short visit to the US. If you need additional assistance please feel free to contact our office.
{{currentOrigin}}/answers/visitors-insurance-usa/us-citizen-missionary-abroad-visiting-us-46019/

Q: I have a question about your Exchange Guard insurance plan. If I visit a clinic which is out of the PPO network, how does the insurance will work? Let's assume I purchase a $100,000 policy maximum for one year, I choose a 0 per period deductible and a co-insurance of 100%. If I visit a clinic out of the PPO network, the doctor charges $200 per visit.how much should I pay by myself? thanks for your help!

A:
If you go to an out of network provider there would not be network negotiated rates offered on those visits. The plan will pay at 100% to the policy maximum but only the URC would be paid at 100%.
{{currentOrigin}}/answers/international-student-health-insurance/going-outside-ppo-network-student-visa-31902/

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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