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Ask Our Specialists

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

Q:I have just married a US citizen and we are currently waiting for my immigration forms to go through (spousal, travel and work permit). I am in the US currently. if I take this insurance out, would it cover me for child birth in the US?

A:
Unfortunately, there is not a short term plan that you could purchase to cover childbirth. You have to pay for these expenses out of pocket if you are not eligible for a domestic insurance plan. If you need any additional clarification please contact our office.
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Q:Do I need to bring the emailed document to a hospital or doctor for coverage? How will I use the insurance in non English speaking doctor's office whom has never heard of your company? Should i pay the fees and send you the receipt for reimbursement?

A:
If you visits a provider that is out of network you can pay out pf pocket and submit the receipts for reimbursement to the claims department.
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Q:I am interested in buying this plan for my parents who will be travelling to US on April 25th. Before that , I have couple questions on the plan deductible. I am planning go for zero deductible for 25K coverage.My Premium comes up to 476$ for two people. My question is, On first and subsequent visits to doctor what I will be paying for zero deductible plan. Also I want to know for Prescription drugs, Xrays,Emergency,Mri scans what I will be paying for zero deductible. I have seen the broucher, still need clarification.

A:
The Safe Travels for Visitors to USA plan is a limited benefits or Fixed coverage plan. This type of plan pays based on a schedule of benefits. I have attached the link below for the schedule of benefits for a $25,000 policy maximum for the Safe Travels for Visitors to USA plan for you to review. All of the amounts you see listed in this schedule of benefits, will be the amounts that the plan will pay towards any covered / eligible expenses. Covered expenses would be any costs related to new illnesses or injuries that manifest or occur after the effective date of the policy. Plans for visitors do not cover preventative care, routine maintenance, or pre-existing conditions, with the exception of some plans offering the Acute Onset benefit for certain acute onsets of pre-existing conditions. I have given a couple of examples of how the plan will pay for you to reference: The plan will allow up to $55.00 towards a Dr. Visit. So if the you have a $0 deductible and the Dr. charges $175.00 for an office visit for example if someone has a new illness, the plan will pay $55.00, and you would be responsible for the remaining balance of $120.00. If someone were to slip and fall causing an injury and go to the Emergency room, the plan will allow up to $350.00 for an ER visit. If the total bill were $5,000, and you have a $0 deductible, the plan would pay $350.00 towards the eligible expenses and you would pay the remaining $4,650.00. If you are interested in more coverage for eligible expenses, you can look over the comprehensive plans which pay a percentage of covered expenses instead of fixed amounts. However, the lowest policy maximum offered on a comprehensive plan would be $50,000. If you have any additional questions or need further assistance, please let us know. You can also contact our office directly at (866)-INSUBUY, and one of our licensed professionals can assist.
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Q:My daughter is an International Student, she had been studying in the US for two years, going to University in June. I would like to know if you have any insurance for International Students. Which would cover ER, Family Doctor, unexpected Accident, Inpatient and Outpatient. Thanks

A:
We would be glad to assist. We do have plans for International students, and I have attached the link to the quote screen for those plans below. Once you enter the requested information, you would click the Get Quotes button. This will show you all the plans available to your daughter based on her specific information. If the school or University has additional requirements, you can forward those requirements to us to review, so that we can confirm for you, what plans will meet them. International Student Insurance If you have any additional questions or need further assistance, please let us know.
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Q:I will be studying in Indiana University Bloomington from August. I was hoping to purchase insurance outside of IU but I couldn't determine if your plan meets the minimum requirements of the school. Can someone verify this for me?

A:
We would be glad to assist. We do have plans for students who will be studying here in the U.S. You can forward your school requirements to us through email for us to review. We can then email you quotes for the plan options that meet the requirements. We will need to know your current age, the specific dates of coverage you are needing, your country of citizenship, and your current home country (the country where you normally reside). If you have any questions, please let us know. You can also contact our office at (866)-INSUBUY, and one of our licensed professionals can assist.
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Q:I can't buy more than 365 days, the website gives me an error at once. Should I buy it by chunks then? Is there any problem with that?

A:
The maximum amount of days online to purchase is 364 days. We can extend the policy manually for the remaining days needed on the policy after your purchase. Once you have made your purchase please contact our office and we will assist you in getting the plan extended for the needed duration.
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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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