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Ask Our Specialists

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

Q:What student plan do you offer with the most comprehensive maternity benefit?

A:
If the proposed insured is already pregnant, there are no plans that would cover maternity.
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Q:I have a question regarding the Diplomat travel insurance. That is, the travel insurance designed for American citizens who are currently out of the country and come back to visit for short trips. Am I allowed to purchase travel insurance to the United States if my permanent residence is in the United States? I will be traveling to Canada for the next several months but will return to the US for a short period of time during that trip. I am not certain whether I will need to retain my US based regular health insurance or if I can pick up travel insurance from you for the short time I will be in the US.

A:
The Diplomat America plan can be used by a US citizen that resides outside of the US and comes back for a visit so would not be appropriate for this situation. Are you purchasing a plan for your trip to Canada? Some plans that cover a longer trip outside of the US will cover incidental trips back.
{{currentOrigin}}/answers/visitors-health-insurance/coverage-for-usa-citizens-visiting-the-usa-20597/

Q:Do you provide temporary insurance plan for newborn? I am US citizen living abroad. I am already pregnant and I plan to visit New Jersey in September 2018 and deliver my baby there. I arranged to pay the expenses of my pregnancy and delivery fees. I am inquiring about a medical insurance plan for my newborn baby; can you provide a certain insurance plan?

A:
Thank you for contacting Insubuy. Unfortunately, there is not a plan that we can offer to a U.S citizen residing in their home country they are required to have a domestic insurance in accordance with the ACA. If you need any additional clarification please contact our office.
{{currentOrigin}}/answers/visitors-health-insurance/coverage-for-us-citizens-visiting-the-usa-while-pregnant-31647/

Q:I am looking to purchase temporary health insurance for my husband. He is in the final stages of his application for immigrating to the U.S. and he should be able to do so at the end of the month. I am a U.S. citizen and we are moving from Canada to Oregon (Linn County specifically.) As a new immigrant who is not eligible for medicaid what are his options? He is 35 years old and in good health. We plan to sign him up for private health insurance but as I understand that will take about 2 months from the time we enter the country to the time that could start so we need something for the meantime. Your website recommended I International Major Medical. Would he be eligible for International Major Medical and what would the costs be for that plan? I can't seem to find that on your website. Any information you can provide me with would be much appreciated.

A:
Thank you for contacting Insubuy for your insurance needs. The International Major Medical is available and to obtain a quote you can click on purchase and put in the basic information. The plans will cover any new illness or injury that occurs after the effective date. Plans do not cover pre-existing conditions, preventative care, or routine maintenance. If you have additional questions please feel free to contact our office.
{{currentOrigin}}/answers/new-immigrant-medical-insurance/new-immigrant-insurance-for-the-usa-77348/

Q:I have a question regarding the Diplomat travel insurance. That is, the travel insurance designed for American citizens who are currently out of the country and come back to visit for short trips. Am I allowed to purchase travel insurance to the United States if my permanent residence is in the United States? I will be traveling to Canada for the next several months but will return to the US for a short period of time during that trip. I am not certain whether I will need to retain my US based regular health insurance or if I can pick up travel insurance from you for the short time I will be in the US.

A:
The Diplomat America plan can be used by a US citizen that resides outside of the US and comes back for a visit so would not be appropriate for this situation. Are you purchasing a plan for your trip to Canada? Some plans that cover a longer trip outside of the US will cover incidental trips back.
{{currentOrigin}}/answers/visitors-health-insurance/diplomat-america-eligibility-74856/

Q:Insubuy: Fantastic Customer Service BACKGROUND: I generally purchase visitor's medical insurance for my parents and in laws when they visit me in the United States once a year, so 4 plan purchases a year. I've used a couple of other brokers in the past and have been disappointed in product knowledge and level of service, until I found Insubuy. Since I found about Insubuy from a friend, I've been purchasing from them over the past few years. I've never had to invoke the after sales service until my mom fractured her arm and we had to use the visitors medical insurance. This is the specific example mentioned below. SPECIFIC EXAMPLE THAT HAS PROMPTED ME TO WRITE THIS REVIEW: The insurance company covered the injury as per the terms of the plan, with the significant exception of the associated physical therapy. You would think that it should be covered if the ER visit was covered as well as the doctor's visits, even more so if it was in network for everything (I had checked everything out before purchasing the plan, with Insubuy's help), but it doesn't seem to work like that. The insurance company stiffed me for about 2900 dollars' worth of physical therapy, but covered the 3500 dollars of the ER visit and associated CT scan, X-rays, etc, as well as a few hundred dollars' worth of doctor's visits. I checked with the provider and it turns out they used the correct billing codes. However, although PT and OT are handled the same way by US insurance companies for US residents, visitors medical insurance chooses to only cover PT (which means getting an actual prosthetic, which only reflects about 10% of the cases). You would think that after an in network doctor takes X-Rays in network and provides PT instructions to an in network PT provider, the associated PT would be covered. Turns out that it's not, or more accurately, the insurance company chose not to. I contacted Insubuy and they asked me to send over all the associated paperwork (explanation of benefits, claim denials, provider bills and so on). I also discussed the situation with Jagruti and Fallon. Jagruti is on the sales side, she mentioned they represent the customer (as in, me). Lyle helped me fill out the paperwork. Fallon is the insurance claims person and she connected with the insurance company. A couple of weeks later, the insurance company covered it all, subject to the terms of the deductible. This was Fallon going out of her way to help me get a positive outcome and I am very grateful. The reason I've excluded the insurance company's name from this review is because it doesn't matter. What does matter is the fact that Insubuy (specifically Fallon, Jagruti and Lyle) helped fix a very expensive situation for me. I did read reviews about instances of Insubuy helping customers in similar situations (where the insurance company stiffs the customer), but having experienced it myself is frankly awesome. A US insurance company is unlikely to engage in shenanigans of this sort, for obvious regulatory reasons. However, it seems that providers of visitors medical insurance have greater latitude or perhaps interpretation, of coverage. My only advice to you is to read EVERY word of the benefits agreement. Oh and definitely take the advice provided by the Insubuy sales reps! LOL that goes without saying. PROS OF INSUBUY: ' Excellent Product knowledge (they know more about the products they sell, that many of the insurance company benefits representatives themselves''this was weird!) ' The representatives I've worked with are Russell, Amanda, Lyle and Jagruti. I know I've missed a couple of names who were really good as well. I've never found any of Insubuy's reps to not know stuff off the bat; they really do know all the nuances of every plan. This was surprising, when I first connected with them a few years ago. ' Their recommendations were tailored to fit my individual needs (my parents and in laws vary in age and the corresponding plans available varied by max policy coverage, among a couple of other variables) ' A good website that actually can price on the spot; it obviates the need to even call customer service on many occasions ' They work for the customer, not for the insurance company ' Excellent after sales service (as per the specific example mentioned above). CONS OF INSUBUY: ' I really didn't find any. In general, with any insurance broker, you can usually find a couple of customer service reps who don't know as much, or the response time is poor, or perhaps they disappear after the product is sold (a rather common situation). ' However, none of these apply'..I'm frankly surprised at the stellar level of service. ' In short, I'm impressed. In general, the overall customer service and product knowledge alone is why I have been recommending Insubuy to my friends, relatives and neighbors over the past few years. However, after the situation I've outlined above, this level of after-sales service is the reason why they have me as a customer for life.

A:
Thank you
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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.

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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