View Full Version : State department requirements J1: A.M. Best rating

09-17-2016, 05:16 PM
I am looking to buy insurance for international short term scholars for an upcoming nine day stay in Dallas. In accordance with the State Department, I was wondering if your company meets all the requirements. I was looking on your website, but cannot find the A.M. Best, McGraw Hill Financial/ Standard & Poor's Claims paying Ability, Weiss Research, Inc., Fitch, or Moody's Investor Services ratings. Is there any way you could tell me what these are?

09-17-2016, 05:17 PM
Thank you for your interest in purchasing insurance through us.

A.M. best rating you will find in the brochure for each plan. Before we suggest any plan would like to know your insurance requirements.

Once we get those requirements will be glad to suggest some insurance plan accordingly.

Meantime, Please visit our webstie,

Please enter appropriate criteria. You will find many plans and next to each plan there is a link for the brochure, and compare button. You will find rating for each plan in both places.

If you have any further questions feel free to contact our office at (866)INSUBUY.

09-17-2016, 05:17 PM
Thank you for your quick response. The requirements for our insurance are:

1. Medical Benefits of at least $100,000 US dollars per accident or illness.
2. Repatriation of remains in the amount of $25,000 US dollars (Definition of Repatriation: If a person dies in a foreign country, we say they are "repatriated" when their body is returned to the native country.
Repatriation insurance is used for transportation expenses related to returning the deceased to their native country.) 3. Expenses associated with the medical evacuation of the non-immigrant student to home country in the amount of $50,000 US.
4. Deductible not to exceed $500 per accident or illness.
5. An A.M. Best rating of ''A-'' or above; 6. McGraw Hill Financial/Standard & Poor's Claims paying Ability rating of ''A-'' or above; 7. Weiss Research, Inc. rating of ''B+'' or above; 8. Fitch Ratings, Inc. rating of ''A-'' or above; 9. Moody's Investor Services rating of ''A3'' or above

Do you have insurance that meets these requirements?

09-17-2016, 05:18 PM
You can purchase either Inbound USA - Fixed plan or Patriot Exchange- Comprehensive plans

Patriot Exchange Program brochure & instant purchase link:

Inbound USA brochure & instant purchase link:

You can compare these plans at

Patriot Exchange plan you can purchase only in monthly increment.

If you have any further questions feel free to contact our office.

09-17-2016, 05:19 PM
As I was looking through the different plans, I noticed that there was a large price difference between the Inbound USA and the Patriot Exchange Program. Is there a reason that one is significantly more expensive? I just want to double check that I am purchasing the correct insurance for the state department standards if I go with the Patriot Exchange plan.

09-17-2016, 05:20 PM
Inbound USA is fixed coverage plan. Please read how Inbound USA plan works, https://www.insubuy.com/safe-travels-for-visitors-to-the-usa-insurance/reviews/

Patriot Exchange plan is comprehensive coverage plan and this plan you can purchase only in monthly increments. You can't purchase for 10 days. You can purchase but still you have to pay premium for whole month.
Link for Patriot Exchange how plan works, https://www.insubuy.com/patriot-exchange-program-insurance/exchange-visitors-insurance/

You can also compare these plans at,

Please enter appropriate criteria, select policy max. $100k-$150k . You will find 3 plans and next to each plan there is a check box. You can check the box and compare the plans side by side.

If you have any further questions feel free to contact us.