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Ask Our Specialists

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

Q: I am interested in purchasing the Exchange Guard Essential Insurance for myself and my family for the period of 30 June 2018 - 30 Sept 2018. I am an F-1 visa holder with Singapore citizenship, and my spouse (UK citizen) and one of my children (Singapore citizen) have F-2 visas. I have one more 5 year old child who is a dual Singapore and US citizen who I would also like to cover under the same insurance, but she does not require an F-2 visa because of her US citizenship. Her current residence is Singapore. Is it possible for her to also be covered by the insurance?

A:
The ExchangeGuard Essential plan is available only for Non US Citizens. So you can do ExchangeGuard plan for your whole family except your USC daughter. You can purchase Patriot America Plus plan for your daughter who is US Citizen as long as her country of Residence is outside US and she is not moving to US permanently. Please review the plan details and feel free to contact us if you have any further questions.
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Q:I am not sure which insurance fulfills my schools requirements. Would you recommend me what would be the appropriate insurance for Case Western Reserve University?

A:
Thank you for your interest in purchasing insurance through us, You can purchase Navigator Student plan as it will fulfill your schools specific requirements. Please feel free to contact us if you have any further questions.
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Q:My parents are visiting in June 2018 and will stay till Nov 2018. I am planning to buy the Patriot America Plus which has direct billing through First Health PPO Network. I am planning to get an annual physical done for them while they are here. Will that be covered in the insurance? If not, which plan will cover it?

A:
Thank you for your interest in purchasing insurance through us. Insurance for an international visitor covers new sickness, injuries or accidents that occur after the insurance effective date of the policy. None of the insurance covers routine maintenance for pre-existing or preventive care. However, many plans provides coverage for an acute onset of pre-existing. Please find more information on acute onset of pre-ex here. Please read what is visitors insurance articles for further information. There is no short term plan which provides annual physical checkup because it's very expensive in this country. You have to pay from your pocket. Patriot America plus brochure, instant purchase link and information can be found here. Please feel free to contact us if you need any further clarification.
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Q:I am travelling to USA from 1st June 2018 - 28th June 2018 with my wife & daughter. I about to buy a travel insurance, and had a quick query. I want to include the trip interruption feature in my travel insurance also I need to know if any of my family member gets sick once we reach USA and we need to fly back to INDIA before our schedule departure from USA, will we get the insurance coverage for our Air Tickets that we need to buy for early departure from USA.

A:
Thank you for your interest in purchasing insurance through us. Most of the comprehensive plan will cover trip interruption if your close relatives dies but you can't get trip interruption benefits if they are sick and you need to interrupt your trip to visit them. You can purchase Patriot America plus plan. Please certificate wording for trip interruption can be found on page 22 (V) Please review the plan details and feel free to contact us if you have any further questions.
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Q:Looking to buy comprehensive health plan for parents. One parent has no pre existing condition. Other parent has diabetes. I am looking to buy policy that provides diabetes related coverage.

A:
Please look at the Atlas America plan. It will cover acute onset of pre-existing conditions. No visitors insurance plan from any company will cover routine maintenance related to diabetes.
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Q:My father (age 66) and mother (age 61) will be visiting the US from July to August and I want to buy an insurance policy for them that covers the cost of acute onset of chronic illness. My father suffers from diabetes and hypertension. He would be carrying medication for the entire duration of his trip here and extra just to be sure we do not run out.

A:
Thank you for contacting Insubuy for your insurance needs. Since your parents are in their 60's most of the plans include the Acute Onset benefit. You can see the plans on our website and run a quote from the Visitors to USA section. If you would like for us to email you the quotes then please provide the remaining details. We will need the date they arrive, the end date, their country of citizenship and confirm their visa status.
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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.

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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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