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Ask Our Specialists

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

Q:I'm a US citizen (plus my dependent 4 year old son also a US citizen) living abroad indefinitely and traveling to the US for about 3 weeks. I want the comprehensive medical coverage plan with $250 deductible and max payout of at least $200,000

A:
There is a plan that you can purchase as a U.S. citizen visiting for a short while called the Patriot America Plus plan. These plans will only cover the new accidents and new illnesses that happen after the effective date of the policy. There is a plan called Patriot America that will cover you while you are here for a short visit. If you have any questions please feel free to contact our office.
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Q:I am traveling to France and Germany, but when I am trying to get the insurance it only asks for one destination, I just want to be sure I will be covered in both countries if anything happens. How can I do this?

A:
These plans will cover you anywhere outside the home country.
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Q: I got quotes for international travel insurance. how do we know what doctors or hospitals in Belize will accept these insurances?

A:
Thank you for contacting Insubuy. Outside of the United States there is not a concept of in or out of network providers so you would be able to visit any provider that you choose in order to receive treatment.
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Q:I am a permanent resident in the NY state. For work, I travel out of the country about 9 months of the year, mostly to Europe, but also Asia. I currently have a silver Obamacare plan and an international expat healthcare plan for when I travel abroad. I am 55 years old, in excellent health, non smoker, and my visits to doctors are limited to a yearly check up and an occasional specialist visit for checkups (eye doctor, etc). I currently have an unlimited coverage silver plan and international plan up to 2M$ (with deductible). Please if you could suggest one company that would cover me everywhere I travel for business (I don't go to dangerous places!).

A:
Thank you for contacting Insubuy for your insurance needs. Based on the information provided below we would recommend purchasing a plan from the Expatriate section of our website. One of the more popular plan options is the Global Medical Insurance plan. Please use the link below to view this plan, as well as view the other options in the Expatriate section. You may purchase online by using the link provided below. If you have any additional questions regarding the plan details, please let us know. These plans will require you to reside outside of the United States 6 months or more in a year. Global Medical Insurance Expatriate
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Q:I have a unique situation apparently that is problematic in getting coverage. My daughter is a US Citizen, 17 years old, and has lived overseas for the past 4 years with yearly trips back to the US. Currently we live in China, but she is going to the US for a summer program as the School of the Art Institute of Chicago for the month of July and she needs insurance to attend. In your page for quotes there is a drop down for Mailing Address. Her Mailing address can't be in China as we wouldn't get it in time. Our last residence in the US is in Dallas, but we need coverage in Illinois. We have friends that could get the mail, but can I assume she is covered even without the physical card. Do you have a policy that would cover her for that month? We don't need anything fancy and we don't need any of the travel covered. She doesn't have any requirements by the university, just needs to show proof of medical coverage.

A:
You can purchase the Patriot America Plus plan for your daughter. You can put Residence Address as China. You can put Mailing Address as US or China. Either way, you will get the insurance ID Card and other documents immediately by email.
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Q:My mom who recently visited form India had a small injury in her foot. We saw the doctor and they advised that it will heal in a few weeks. We want to buy insurance to cover for any further care this or anything else may need in future. My mom also has BP and Arthritis. Please let me know if there is any insurance that can cover for any major incidents. I am fine with a high deductible.

A:
There is no visitors insurance plan for people who are already sick or injured. All short term insurance plans are meant to cover unexpected and unforeseen issues that come up after the effective date of the policy.
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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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