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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 know some more about the visitors coverage plan, that Atlas International offers for overseas travelers visiting U.S. Does the plan cover acute onset of pre-existing conditions for such travelers? Does the plan pay up to full coverage amount in above situations? Are there any upfront costs? Does the plan offer cashless hospitalization? Are there any other costs besides deductibles?

A:
Atlas International will cover outside of the US. For coverage in the US you will purchase Atlas America. Atlas America does include the Acute Onset benefit for people age 69 and below. The Acute Onset is covered up to the chosen policy max. In most cases the upfront cost would be the deductible but it's up to the provider what amount is paid at the time of the visit. In most cases for hospitalization they will bill the insurance directly.
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Q:I am looking for a visitor insurance for my mother from India. She is 77, has some pre-existing conditions like High BP, Hypnaetramia(sodium issue). I need a good policy that will pay claims with NO hassles. Also budget friendly . We live in NJ area. She will visit from July - Dec

A:
Thank you for contacting Insubuy for your insurance needs. Plans will cover any new illness or injury that occurs after the effective date. No plan on the market will cover pre-existing conditions. Some plans include a benefit for an Acute Onset of a pre-existing condition but that is something that happens suddenly, unexpectedly, without any advance warning and requires urgent care. Please see the links below for more information on Acute Onset and a plan that includes that benefit for someone in their 70s. Safe Travels USA Comprehensive plan information here. If you have additional questions please feel free to contact our office.
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Q:I am coming on an Immigrant Visa from India to USA and wish to take Health Insurance for Self & my Wife. Insurance Companies in India are offering Travel Insurance to us for a period of six months. After the initial Travel Insurance from India, we wish to take health insurance cover in USA. Is there any restriction to take health insurance from India? What kind of health insurance will suit us best?

A:
It is the best to buy new immigrants health insurance right away, rather than purchasing travel insurance from India. You can search here: New Immigrant section
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Q:I want to buy about a month worth of insurance for when I visit the US this summer. But I would also like my insurance plan to cover my remaining time in Vietnam (1 month, I am living in Vietnam at the moment). I want to know if Patriot America (under Sirius International) can cover me in both countries.

A:
Plans will cover anywhere outside of your home country. So if you live in Vietnam that would be your home country and the Patriot plan would not cover you there. If you are visiting Vietnam and your home country is somewhere else then that plan will cover both places.
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Q:I would like to know if the Atlas America travel insurance is applicable for US only or for the full trip (US + other countries in one trip). If the deductible amount is applicable only for medical expenses or for travel related expenses (trip interruption, lost luggage etc.) also?

A:
Thank you for contacting Insubuy for your insurance needs. The Atlas America plan will cover everywhere in the world outside of the home country/country of citizenship. The deductible is applicable unless it states otherwise. Most of the travel benefits state "not subject to deductible or coinsurance". If you have additional questions please feel free to contact our office.
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Q:Please tell me. If I select New Immigrant section can I start the insurance right away? Or I need to wait for your/provider approval?

A:
Insurance can be effective as early as the next day or any future date you specify. However, if you are already sick or injured as of the effective date, those conditions would not be covered.
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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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