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Ask Our Specialists

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

Q:My parents are visiting USA and UK and I was wondering if I can buy Patriot America Plus. The plan details shows that it covers expenses incurred in USA. Will it cover expenses incurred in UK as well?

A:
The Patriot America Plus plan will cover the proposed insureds anywhere outside of the home country.
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Q: I am a Chinese citizen. I am going to travel to Canada and U.S. I will stay in Maryland most of my time. When I look at your Atlas America plan, there's a geographic restriction for Maryland. My question is, will the insurance cover my family when we stay in Maryland?

A:
The restriction states that the proposed insured cannot be physically located in the country of Canada or the states of Maryland at the time of application. As long as the plan is purchased prior to the arrival into these location you and your family will be eligible for the plan. If you have any additional questions please feel free to contact our office.
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Q:I sent you an email with requirements to waive my schools insurance coverage. Could you tell me what plans I can have so I dont have to get there insurance. It is too expensive.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Study USA Preferred 500 plan or Student Secure Select. Please find more information about the plan below: Study USA Student Secure You can compare these plan at our Student insurance section Please enter appropriate criteria. You will find many plan but the plan suggested earlier meets your school requirements. Please review it and feel free to contact us if you have any further questions.
{{currentOrigin}}/answers/international-student-health-insurance/looking-for-insurance-for-waivers-27655/

Q:I need to buy the entire year of insurance to get my long stay visa, but once I arrive in French Polynesia I will be able to go on my partners insurance plan. This will not happen right away, but if so is there a possibility to cancel the insurance and receive a partial refund? I am looking at the Patriot International with $0 deductible

A:
With this plan if you are cancelling after the effective date you would receive a prorated refund minus a $50.00 cancellation fee, provided no claims have been filed since the effective date of the policy.
{{currentOrigin}}/answers/europe-visa-insurance/schengen-insurance-refund-after-effective-date-47548/

Q:We took out the Diplomat America policy last month for M and another policy for his wife - F on Atlas America (A91745734). Since this, we have re issued another policy for M on Diplomat America. F has had a baby, 3 weeks ago and I am wondering if we can add the baby to one of the policies? The baby was born here in the US.

A:
Unfortunately, the baby as a U.S citizen will have to have a domestic insurance plan and we do not offer domestic plans to newborns at this time.
{{currentOrigin}}/answers/other-insurance/adding-health-insurance-for-baby-born-in-usa-31919/

Q: We are group of 10 traveling to Mt Kailash. Please let me know more information.

A:
Please use the link listed below for more information about the plan available to your group for coverage: Kailash Mansarovar Yatra Travel Insurance If you have any additional information please feel free to contact our office.
{{currentOrigin}}/answers/international-travel-insurance/mount-kailash-group-insurance-28545/

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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