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Ask Our Specialists

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

Q:We are a family of three that arrived on Greencards 8/14/2018. We still do not have a permanent job and we want to know if we can have temporary health insurance.

A:
There is a short term domestic insurance plan called National General Short Term STM. This plan will cover any new accidents and new illnesses that happen after the effective date of the policy. The plans will not cover pre-existing conditions, routine doctors' visits, medication's related to pre-existing conditions not any preventative care or well checkups. Please use the following link to review the plan and generate a quote for coverage. Be advised this plan is not ACA complaint and will not provide you with the 10 minimum essential health benefits. National general STM
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Q:I am thinking about buying an Schengen insurance) so that my wife and daughters can get their French visitor's visa. I understand I can print the visa letter after purchasing an insurance, and I hope their visas will be approved with the letter. However, if the French embassy says the "original" letter(with the original signature) is needed, could you mail it to me?

A:
The visa letter that is sent to you after purchase visa email is more than sufficient and will have the signature included within the letter.
{{currentOrigin}}/answers/europe-travel-insurance/visa-letter-for-french-visa-73256/

Q:We are looking to purchase the insurance policy outlined below, Patriot America Plus. We will be taking a 10 day trip of which 5 days will be spent in Italy and the remaining 5 in USA. Would this policy cover our stay in Italy ? Please advise.

A:
Hello, The Patriot America Plus will cover you everywhere in the world outside of your home country.
{{currentOrigin}}/answers/visitors-insurance-usa/trip-insurance-italy-and-usa-visit-18799/

Q:I am looking at two plans, one is the safe travels usa comprehensive and the other is the cost saver. I don't see much difference in these two other than that the cost saver does not cover health insurance outside the USA. Am I right? Cost saver is a bit cheaper. Deductibles, coverage, everything seems to be the same. If I get cost saver for 4 months and then want to extend for a month or two in case my mom decides to stay longer, can i do that at the same rate? If I get it for 6 months, can I get a refund for two months if she goes back within 4 months? These are my questions.

A:
You can click on the small button for the two plans next to the word compare then click again on compare so it will line the plans up side by side. The main difference is the Acute Onset benefit that the Safe Travels USA Comprehensive has and the Cost Saver does not.
{{currentOrigin}}/answers/visitors-medical-insurance/health-insurance-travels-usa-82722/

Q:I just saw the plan mentioned in your website which is -> Plan name - Study USA Preferred 500 Please find the attachment of my university's plan requirement and let me know if your plan meets all the criteria to my current plan.

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, there are no plans you can purchase on the market that will meet these requirements. You would need to purchase the plan that your university is providing. The plan has a 6 month waiting period for pre-existing conditions which excluded this and any other plan.
{{currentOrigin}}/answers/f1-visa-insurance/study-usa-eiligibility-81166/

Q:I would like to purchase travel or tourist insurance for my Mom. She came from India and will stay here for few months. Could you please assist in getting a good plan. Also request you to share your contact number for communication.

A:
Thank you for contacting Insubuy for your insurance needs. If you would like for us to email you the quotes then we will need the following information. Please provide her visa status, citizenship, start and end date of coverage, state she will be visiting, and her age. You can also call our office if you would like additional assistance.
{{currentOrigin}}/answers/visitors-insurance-usa/travel-tourist-insurance-for-mother-81984/

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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