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Ask Our Specialists

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

Q:How is the price of the plans determined?

A:
The premium is calculated as a daily rate based on the ages of the insured.
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Q:I am planning to purchase health insurance for my Parents who will be travelling to US from India starting April 25th. They are reaching Rhode Island first and will reach Washington state on June 20th. Can I buy Atlas American insurance for the next 6 months? I am concerned about the Geographic restriction.

A:
The Atlas America state restriction for Washington states the insured cannot be physically located in Washington at the time of purchase. As you long as you purchase the insurance while your parents are outside of Washington, the plan will provide coverage to them in Washington as well as Rhode Island. If you have any additional questions please let us know.
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Q:I would like to purchase Patriot America Plus Travel Insurance for my family trip to the US. I and my wife are Korean (Republic of Korea), but my son is a US citizen. When filling up the application, it require me as a primary insured person, so I choose Republic of Korea as my Country of Citizen. My wife and son's citizenship are not required. Is this gonna be a problem when/if my son has to get any medical treatment due to some illness or injury?

A:
Yes, you can purchase Patriot America Plus.
{{currentOrigin}}/answers/visitors-insurance/diplomat-america-for-us-citizens-visiting-the-united-states-53060/

Q:I reside in Germantown, in the state of Maryland. My mother is coming to visit me from India, this week. She will stay for 6 months. I was looking at different medical insurances for her and came across Atlas America. But it had a clause which stated "Can not be purchased if visitor is physically not located in the state of Maryland (MD), Washington (WA), or New York (NY)" Does it mean that this insurance is not valid in Maryland? Please let me know as soon as possible so that I can to look for other options quickly as she is travelling in 4 days.

A:
The restriction is that the insured person (your mother) can not be physically located in the state of Maryland at the time of purchase. Therefore, you should purchase it before she arrives in the US. Your mother can definitely go to doctors or hospitals in Maryland, once she is here. You can purchase it online here.
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Q:I am a student from Czech Republic studying in UK at University of Surrey and next year I am going for 4 months to study abroad as an outgoing student to University of Central Florida (between the 15.08.2018 - 10.12.2018). I was thinking about getting my insurance from your company.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Study USA Preferred 500 plan which meets all the UCF insurance requirements.
{{currentOrigin}}/answers/international-student-health-insurance/international-student-insurance-ucf-46205/

Q:All the employees that we are looking to do this for are U.S. Citizens working in Puerto Rico part of the time. The population is about 15 to 20 employees ranging in age from 22 to 55. I also wanted to clarify that we have medical insurance coverage what I was inquiring about is the ability to be able to transport someone back to the U.S. should they end up with a medical situation while in Puerto Rico that would better handled back in the U.S. and they needed air transport back to the U.S. I just wasn't sure from looking at the website if this was an offering by Insubuy.

A:
Unfortunately, we cannot offer coverage for medical evacuation and repatriation within the United States or U.S territories for a United States citizen.
{{currentOrigin}}/answers/other-insurance/us-citizens-inquiring-medical-evacuation-or-repatriation-for-usa-54689/

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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