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Ask Our Specialists

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

Q:I would like to get a quote for insurance from your company. In order to use your company, the plan should meet the following requirements. Could you verify that the plan meets the following requirements. TO BE ELIGIBLE FOR A WAIVER, YOU MUST SUBMIT PROOF OF INSURANCE MEETING ALL OF THE FOLLOWING REQUIREMENTS: Have minimum coverage of $500,000 each injury or sickness and no annual or lifetime limit Have coverage for pregnancy Have coverage for Mental Health Have coverage for injuries resulting from motor vehicle accident Have coverage for immunizations Have coverage for drug and alcohol related injuries or conditions Have coverage for suicide/attempted suicide/self-inflicted injury Have a deductible not to exceed $100 per year Have repatriation coverage in full Have medical evacuation coverage in full Have coverage for pre-existing conditions. Waiting period acceptable if no more than 6 months Have coinsurance provisions that are 20% or lower, per accident/illness Have proof of coverage (letter from insurance company) and insurance card All information MUST be provided in English and US Dollars

A:
Thank you for your interest in purchasing insurance through us. Unfortunately, we don't have any plan that meets your school requirements. You have to purchase insurance from your school.
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Q:I am interested in the policy but I am finding the search for health insurance in the USA a challenge My son is starting college in 2 weeks The cover I want is such that he can be covered for doctor should he become unwell and hospital care in an emergency I don't want any surprise costs in the event of him needing medical care . Advice greatly appreciated in relation to the quote I have saved

A:
Here is the link for HCCMIS PPO network. Please enter zip code where he is planning to stay and you can find urgent care, hospitals in that zip code. There is no surprise cost. All the details you will find in the policy. Please read the policy certificate for the plan At the time of claim insurance company's claim dept. will go as per the policy. Please review it carefully and feel free to contact us if you need any further clarification.
{{currentOrigin}}/answers/international-student-health-insurance/student-insurance-waivers-eligibility-17134/

Q:I am looking for the cheapest insurance plan that I can afford and and it meets requirement of insurance for Fordham University. Could you please check it for me.

A:
After reviewing your university website, Fordham University requires you to have an ACA compliant plan so you would need to purchase the plan the university is offering to be able to meet their requirements.
{{currentOrigin}}/answers/international-student-health-insurance/student-insurance-waiver-fordham-university-77562/

Q:I would like to know for Cavity Fillings, Root Canal, Crown or Oral Surgery, what will be the coverage plan from Careington. Also, If I buy this Dental Discount Plan for 2 or 3 months and want to discontinue/renew later. Can I discontinue/renew the Careington Dental Discount Plan accordingly?

A:
I have included links to the provider directory, and the dental and vision schedule for your review. You may purchase this plan over the phone by contacting our office at (866) INSUBUY. In the meantime, if you have any additional questions please let us know. Careington Dental/Vision discount plan Dental Schedule Provider Directory This plan will automatically renew until it is exclusively cancelled. If you cancel the plan you would not be charged for the following months of coverage. If at a later date you decided you need coverage you would be able to repurchase a new plan.
{{currentOrigin}}/answers/other-insurance/dental-and-vision-schedule-of-benefits-coverage-49259/

Q:I am currently wanting to purchase Schengen insurance to apply for shengen VISA. My question is if I dont get visa or dont go for any reason to this trip and cancel the insurance before the effective date, will I get full refund?

A:
You can get the full refund before the effective date of the policy, provided you show us the proof that you didn't get the visa, or your trip has been cancelled and why. Please note that we are also required to submit the information to the Schengen consulate about your cancellation. Please keep in mind that, while visiting Schengen area, you are required to keep the valid insurance for the entire duration.
{{currentOrigin}}/answers/europe-visa-insurance/schengen-insurance-full-refund-62685/

Q:I'm an international graduate student at the University of Maine. My wife and I are originally from Iran and we are looking for a health insurance plan. I am sending this email to get informed if you have a plan that can cover an international student (F1 visa holder) and a plan that can cover both international student and his dependent (F1 and F2 visa holders). Please let me know about those plans separately.

A:
Thank you for contacting Insubuy for your insurance needs. The ExchangeGuard Choice plan does meet the requirements that you have listed below. This plan will be applicable in both cases described. There are additional plan options that would be available to the F1 student using the following link. International Student Insurance if you have any additional questions please call our office.
{{currentOrigin}}/answers/international-student-insurance/student-insurance-waivers-university-of-maine-10250/

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.

Did you know?

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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