After deductible, pays fixed amounts as per schedule of benefits
Acute onset of pre-existing conditions (including cardiac) coverage: Ages <70
Direct Billing: Depends upon provider No PPO. No contracted rates.
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Visitor Insurance for Visitors to USA
Visitor Medical Insurance for travel including USA.
Visitors insurance plans are short term travel medical insurance plans that generally cover any new and unexpected medical conditions that occur while visiting the USA. You can get instant quotes, compare quotes side by side and make instant purchases online. Coverage for visitors insurance can start as early as the next day or any future date you specify. Name, date of birth and passport number is needed for purchase. Visitors insurance may be purchased online as there is no paperwork to complete.
Fixed Coverage Plans
Limited Coverage (How?)
After deductible, pays fixed amounts as per schedule of benefits
Direct Billing: Depends upon provider No PPO. No contracted rates.
After deductible, pays fixed amounts as per schedule of benefits.
One Wellness Visit.
Direct Billing: Through First Health PPO Network
Comprehensive Coverage Plans
Recommended (Why?)
After deductible, pays 100% to policy maximum.
US Urgent care/Walk-in Clinic: $15 copay unless $0 deductible.
Direct Billing: Through First Health PPO Network
After deductible, pays 100% (out of network 80% to $5,000, then 100%) to policy maximum.
US Urgent care: $25 copay unless $0 deductible.
Walk-in Clinic: $15 copay unless $0 deductible.
Acute onset of pre-existing conditions (including cardiac) coverage to policy max for ages <70
Direct Billing: Through First Health PPO Network
After deductible, pays 100% (out of network 80% to $5,000, then 100%) to policy maximum. Deductible waived within PPO network.
US Urgent care: $30 copay. One Wellness Visit.
Direct Billing: Through First Health PPO Network
After deductible, pays 80% to $10,000, then 100% to policy maximum.
Direct Billing: Through UnitedHealthcare Global PPO network
Fixed Coverage Plans
Limited Coverage (How?)
After deductible, pays fixed amounts as per schedule of benefits
Acute onset of pre-existing conditions (including cardiac) coverage: Ages <70
Direct Billing: Depends upon provider No PPO. No contracted rates.
After deductible, pays fixed amounts as per schedule of benefits
Direct Billing: Depends upon provider No PPO. No contracted rates.
After deductible, pays fixed amounts as per schedule of benefits.
One Wellness Visit.
Direct Billing: Through First Health PPO Network
After deductible, pays fixed amounts as per schedule of benefits
Acute onset of pre-existing conditions (including cardiac) coverage: Ages <70
Direct Billing: Depends upon provider No PPO. No contracted rates.
After deductible, pays fixed amounts as per schedule of benefits
Acute onset of pre-existing conditions (including cardiac) coverage: Ages <70
Direct Billing: Depends upon provider No PPO. No contracted rates.
Comprehensive Coverage Plans
Recommended (Why?)
After deductible, pays 100% to policy maximum.
US Urgent care/Walk-in Clinic: $15 copay unless $0 deductible.
Direct Billing: Through First Health PPO Network
After deductible, pays 100% (out of network 80% to $5,000, then 100%) to policy maximum.
US Urgent care: $25 copay unless $0 deductible.
Walk-in Clinic: $15 copay unless $0 deductible.
Acute onset of pre-existing conditions (including cardiac) coverage to policy max for ages <70
Direct Billing: Through First Health PPO Network
After deductible, pays 100% (out of network 80% to $5,000, then 100%) to policy maximum. Deductible waived within PPO network.
US Urgent care: $30 copay. One Wellness Visit.
Direct Billing: Through First Health PPO Network
After deductible, pays 100% (out of network 80% to $5,000, then 100%) to policy maximum. Deductible waived within PPO network.
US Urgent care: $30 copay. One Wellness Visit.
Sudden and unexpected recurrence of pre-existing condition coverage: $1,000
Direct Billing: Through First Health PPO Network
After deductible, pays 100% (90% out of network) to $5,000, then 100% to policy maximum.
Direct Billing: Through First Health PPO Network
After deductible, pays 100% to policy maximum.
US Urgent care/Walk-in Clinic: $15 copay unless $0 deductible.
Direct Billing: Through First Health PPO Network
After deductible, pays 100% (out of network 80% to $5,000, then 100%) to policy maximum.
US Urgent care: $25 copay unless $0 deductible.
Walk-in Clinic: $15 copay unless $0 deductible.
Direct Billing: Through First Health PPO Network
After deductible, pays 75% (URC out of network) to policy maximum.
US Urgent care/Walk-in Clinic: $15 copay unless $0 deductible.
Direct Billing: Through First Health PPO Network
After deductible, pays 100% (out of network 80% to $5,000, then 100%) to policy maximum. Deductible waived within PPO network.
US Urgent care: $30 copay. One Wellness Visit.
Sudden and unexpected recurrence of pre-existing condition coverage: $1,000
Direct Billing: Through First Health PPO Network
After deductible, pays 90% (80% out of network) to $5,000, then 100% to policy maximum.
Direct Billing: Through First Health PPO Network
After deductible, pays 100% to policy maximum.
Direct Billing: Depends upon provider. No PPO network.
Within PPO network: After deductible, pays 100% to policy maximum; if billed directly.
Otherwise: After deductible, pays 90% to $10,000, then 100% to policy maximum.
*Exception for US-Urgent Care: Deductible waived, $50 copay.
Direct Billing: Through First Health PPO network
After deductible, pays 80% to $5,000, then 100% to policy maximum.
Direct Billing: Depends on provider. No PPO network.
After deductible, pays 80% to $5,000, then 100% to policy maximum.
Direct Billing: Depends on provider. No PPO network.
After deductible, pays 100% (URC out of network) to policy maximum.
*Exception for US-Urgent Care: Deductible waived, $50 copay.
Direct Billing: Through First Health PPO Network
After deductible, pays 80% to $10,000, then 100% to policy maximum.
Direct Billing: Through UnitedHealthcare Global PPO network
After deductible, pays 80% (out of network 70%) to $5,000, then 100% to policy maximum.
Direct Billing: Through UnitedHealthcare Global PPO Network
After deductible, pays 90% (out of network 80%) to $5,000, then 100% to policy maximum.
Direct Billing: Through UnitedHealthcare Global PPO Network
After deductible, pays 100% (out of network 90% to $5,000, then 100%) to policy maximum.
Direct Billing: Through UnitedHealthcare Global PPO Network
Video Overview
CALIFORNIA RESIDENTS SPECIAL NOTICE
1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.
2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.
3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.
4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.
5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.
6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.
7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.
8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.
07/11LSW1146D
Cuba Notice
Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:
Criteria for travel authorized by the US Treasury
CALIFORNIA RESIDENTS SPECIAL NOTICE
1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.
2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.
3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.
4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.
5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.
6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.
7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.
8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.
07/11LSW1146D
Cuba Notice
Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:
Criteria for travel authorized by the US Treasury
Reset Application
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Did you know?
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling 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.
Learn MoreNew immigrant to USA?
You would not be eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don’t need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More