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Ask Our Specialists

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

Q:How will I know when to renew my insurance? I am planning to purchase month by month.

A:
You will receive a renewal reminder two weeks prior to the expiration date of the policy. You will be able to renew online or over the phone by contacting our office at (866) INSUBUY. If you have any additional questions, please let us know.
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Q:I am 16 years old, and I am from Russia. I am going to attend an educational program at the University of Pennsylvania on F1 visa. Program dates are July 1 - July 28. Could you please tell me if I am eligible to apply for Study USA Preferred 500 health insurance? Thank you.

A:
Thank you for contacting us for your insurance needs. Based on the information provided, you may purchase the Study USA Platinum plan. If you have any additional questions, please let us know.
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Q:With regard to your visitor insurance, how will the plans cover in the event of a car accident?

A:
These plans are designed to cover you medically for any new illness, injury or accident. In the event of a vehicle accident these plans will pay secondary to any other insurance. If you have any additional questions please let us know.
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Q:I enrolled today in Patriot America Plus; 1. Does it includes cover for travel outside USA? And if yes, how much? 2. I'd like to get the list of network physician Dr. and hospitals across the country and mainly in NJ Bergen County where we live 3. Can I go to any family Dr. and hospitals or I need to use only the network list? 4. Does my credit card charge monthly or once for the entire 364 days

A:
1. Yes. Plan will provide international travel coverage max. $5,000 for age under 75 years. 2. Link for PPO network Please click on search providers. Then you can find hospitals or doctor, or urgent care in your area. 3. You can visit any provider. But if you go in the United Healthcare network there will be some network rates. Insurance will pay for treatment medically necessary as long as it's not related to pre-existing or preventive care. 4. In this plan you have selected end date for 364 days. So your credit card has been charged for entire 364 days.
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Q:I will be moving to the USA on 29 June 2018. I will be entering the USA on a K-1 visa. Can you please confirm if the New Immigrant insurance covers me for Deep Vein Thrombosis which I have previously had. And will the cover start from the second I land in the USA?

A:
Insurance will not cover any pre-existing conditions. Coverage can start as early as the next day or any future date you specify. You can purchase New Immigrant insurance online.
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Q:Is there any insurance plan for 100% coverage of my medical bills? I am on F1 visa.

A:
We have many insurance plan for an international student. Insurance will cover for any new sickness, injuries or accidents that may occur after the eff. date of the policy. It will not cover any pre-existing or preventive care. Please visit our F visa insurance section Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
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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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