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Ask Our Specialists

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

Q:I am looking for a 100% coverage health policy (unlimited ceiling- low or 0 deductibles) for J-1 Visa Italian University Student coming to USA for a University Internship at Harvard - short term - 71 days

A:
Unfortunately, there is not a plan that you can purchase to meet your Universities requirements. If you need any additional clarification please feel free to contact our office.
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Q: The University I will attend has a list of health insurance requirements. How can I send you the list, so you can present me the best options?

A:
Thank you for contacting Insubuy for your insurance needs. You can send your list of requirements to info at insubuy.com we can review them and verify the available plans.
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Q:We are looking for a new J1 and J2 Visa insurance and have noted that Atlas MedEvac coverage is extendable for 4 years, but I can see that initial insurance is given for 1 year only. As we need initial coverage for 2 years to get a longer valid J1 visa, please advise plans where we can get a direct 2 year valid insurance.

A:
Once you have purchased for the first year then the plan is renewable. The next day you will be able to extend for the next year giving you a total of two years. If you need additional assistance please feel free to contact our office.
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Q:My parents are coming from Italy to visit me in California and I want to make sure I get them a good insurance. I am worried because they both recently had some minor issues and I was wondering if this would be covered as a "acute onset of pre-existing conditions". My mom was recently diagnosed with hernia and she has the surgery scheduled for the week AFTER the trip in California. My dad recently had some kidney issues and they found some kidney stone which he SHOULD have passed already but we are not 100% sure. If we need to go to the hospital for these conditions, would they have coverage? I was thinking of getting them the Atlas America coverage.

A:
Plans will cover any new illness or injury that occurs after the effective date. Plans that include the acute onset benefit will cover a sudden and unexpected recurrence of a pre-existing condition. Based on the information you provided, I don't believe that the examples would qualify for sudden and unexpected. Ultimately, it would be determined by the claims department based on the medical records. If you need additional clarification please feel free to contact our office.
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Q:Does student insurance cover baby birth? We need insurance in Canada. Student visa. Just requirement is to visit doctor once in a month. I am already pregnant

A:
If the student is already pregnant then there is no plan that will cover it. Plans will cover any new illness or injury that occurs after the effective date.
{{currentOrigin}}/answers/international-student-insurance/international-student-insurance-for-already-pregnant-18580/

Q:I would like to purchase medical malpractice insurance, in order to do a clinical elective in the USA, Pennsylvania. I HAVE NEVER BEEN EXPOSED IN ANYTHING LIKE THIS BEFORE, as we do not have to pay this in my home country, Greece. In case I will NOT be accepted in the clinical elective, will you able to you refund the full amount of the money deposited or not? How much is it going to cost for a 4-week elective?

A:
Unfortunately, we do not offer medical malpractice insurance here at Insubuy.
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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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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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