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When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
No. We are a U.S. based company, located in Plano, Texas. Furthermore, all of the companies we sell insurance from are based in the U.S. or have U.S. administration.
A significant portion of our business is to offer insurance to people of Indian origin who are visiting the U.S.; we have several people in our office that are U.S. citizens of Indian origin that can understand your needs very well. All calls are answered from Plano, Texas, USA (In Dallas metroplex area) and every phone call is answered by a knowledgeable and experienced licensed insurance agent in the USA, ensuring excellent customer service. We do NOT have any call centers in India.
Some products are released with limits and not all insurance agents can sell them. They were designed with a very specific client market in mind (mostly Indians traveling to USA), therefore a small handful of insurance agents are able to offer these plans. Since we are the leading insurance broker in the United States for international medical insurance, we are able to offer these insurance plans to you.
If you still have questions or concerns, please call us at +1 (866) INSUBUY.
When it comes to health insurance for foreign visitors, we have different plans to suit your individual needs based on the amount of premium you are willing to pay up front, your age and also the amount of risk you want to share in case you need to use the insurance. In general, higher premium plans provider better coverage and you would end up spending less from your pocket when you get sick or injured. Please look at the side by side comparison of various plans that we offer.
Online: You can purchase medical insurance for visitors to the USA instantly online, if you are paying by credit card. It can be effective on the day you specify, or as early as the next day after your purchase. Purchasing online is simple, fast and hassle free. There is no other paperwork required neither is there any need for any membership into any organization. Our web site is a GoDaddy Secure web site and you can verify that by clicking on the 'lock' displayed on your web browser or GoDaddy logo in the left side bar. We are also a Better Business Bureau accredited business, to give you further peace of mind that we are a reliable company to work with. Our web site is also certified 'McAfee Secure' that assures that the data you enter is secure with us.
Phone: We can take your application over the phone.
Fax: You can fax us the application and if paying by check or money order, please fax us the check/money order. We will process your application as soon as we receive your fax and will send you confirmation of coverage by fax or email. You still need to send us the physical check or money order. However, the fulfillment kit will be mailed only after the check/money order is cashed.
Mail: You can send us the application along with payment by credit or check/money order enclosed with it. We will process your application as soon as we receive it. However, the fulfillment kit will be mailed only after the check/money order is cashed.
In most plans, you need the date of birth and the passport number of each insured person. In some plans, the passport number of only the primary applicant is required. In some plans, the passport number is optional. You do not need to send any paperwork or any medical reports to us or to the insurance company. You can complete the entire process completely online. Insurance can be effective as early as the next day after your purchase or any other future date you specify.
Once your trip is confirmed, you should buy the insurance.
In most plans, insurance coverage can be purchased in increments of days, with many plans for as little as 5 days to better suit your needs. The effective date for insurance coverage can be the date of departure from home country, or it can be any other later date specified by the insured. If you would like to be covered for any medical emergencies (for covered expenses) during your journey, like if your relatives are coming from India to the U.S.*, it is advisable to put the start date one day in advance as the effective date is 12:01 AM wherever the insurance company is located (Eastern time, Pacific time etc.) for the day you specify.
*This only applies to plans with worldwide coverage, and not coverage for USA only. If you're unsure please call us at +1 (866) INSUBUY.
Certainly. You can buy insurance from anywhere in the world as long as you can make the payment in US dollars, preferably using a credit card.
Most plans provide coverage up to age 69. There are some plans that provide coverage up to age 79 and there are a few plans that provide low coverage for age 80+.
No. Most of the plans that we offer can be purchased online. Certain long term plans require you to fill medical history questions online, and are subject to underwriting.
When you purchase insurance online, you would receive an immediate confirmation of your insurance details by email. It is essentially your virtual id card. Please keep a copy of this email and it's also wise to print it for your records.
If you fax us the application, you can receive the confirmation by either fax or email generally within 1 business day.
In any case, generally by the next business day, a traditional insurance card will be sent by regular postal mail. This is your health insurance card and it will contain essential details such as your name, policy number, group number, insurance company's phone number to verify the benefits and the address in USA where the claims should be submitted. You will also receive the details of benefits paid under this plan as well as its limitations & exclusions.
Exceptions: Some companies, such as Trawick International, provide fulfillment documents by email only. In others, like WorldTrips, if you choose 'Email Only', you will receive the documents only by email, and if you choose 'Email and Hard Copy', you will receive the plan documents by email as well as by mail.
For all IMG plans, if you choose 'Express' delivery, you will get it by courier at an extra charge of $50.00
You certainly can do that, but it can be quite disadvantageous in most plans. Unless the plan is extendable, you may be subject to a new deductible, new co-insurance and new pre-existing conditions clauses. Please be very careful if you decide to do it.
You should buy a plan that is extendable.
Buying and paying is one and the same thing. If you would like to buy the insurance for 6 months, you will have to pay for all 6 months up front at once.
Alternatively, if the plan is extendable, you can purchase it for one month and then extend it month by month. All the plans may not be extendable monthly. When you extend Visitors Care, there is a $5 extension fee and your deductible will start all over again. Diplomat America or Visit USA-Healthcare are not extendable at all.
Most extendable plans charge a $5 extension fee. However, the overall premium will be the same whether you buy all for 6 months or monthly.
Therefore, if you are not sure how long your parents will stay, provided the plan is extendable, we suggest that you purchase initially for 3 months and extend it accordingly.
There is a big advantage of extension. In many plans, even when you extend, you will have to pay the deductible only once during the policy period and not every time you extend the policy. In some plans, where you have to pay 20% (or 10%) co-insurance for first $5,000, that would also be accumulative and you would have to pay just once instead of paying every time within the new policy period.
When you don't have health insurance, you can not be calling from your cell phone on the way to the hospital emergency room and expect instant coverage. Such a condition would be considered a pre-existing and will not be covered.
You must have heard 'You can't be digging a well when you are thirsty'.
Definitions for Accidental Death & Dismemberment (AD&D) and Common Carrier AD&D.
Generally, it should be the name of a close relative, or someone that would be responsible if something very unfortunate occured. E.g., if you are buying for your parents, write your name and the relationship is son/daughter/child. If you are buying for your in-laws, write your husband's/wife's name and the relationship is son/daughter/child. However, you can write anyone's name there. Just by writing your name in the beneficiary field, you do not automatically become liable for the medical expenses in case the medical expenses are not covered by the insurance company because it was either pre-existing conditions, not a covered expense or expenses are beyond what is covered in the policy.
If your father already had a birthday this year, the age is based on the current year - birth year. Therefore, in 2020, it would be 2020 - 1960 = 60 years. If your father didn't have a birthday this year yet as of the effective date, the age is based on the current year - birth year - 1. Therefore, in 2020, it would be 2020 - 1960 - 1 = 59 years.
Assuming that your policy is going to be effective on September 5, 2020, the age would be 2020 - 1960 - 1 = 59 years. If the policy were to be effective on December 24, 2020, the age would be 2020 - 1960 = 60 years.
You have to choose the completed number of years. Therefore, in your case, your father is 59 years old and you should choose the age accordingly.
Complete the application as per the passport. If the passport has only the first name (given name), enter that as the first name and enter last name as LNU (Last Name Unknown.) Similarly, if the passport has only the last name (surname), enter that as the last name and enter first name as FNU (First Name Unknown).
That is not how the visa stamp is, but the insurance companies ask for a copy of the passport at the time of claim, and not the visa stamp.
Some examples of this situation are Chaman Lal, Sunder Rao, Harpreet Singh (or for females, Rama Devi, Prem Kumari etc.)
In such situations, you can put the first word in the name as the first name and second word in the name as the last name. Anyway, when the insurance card is printed, both names will be listed one after another in the same line, and the card does not specify which one is the first name and which one is the last name.
E.g., Sunder as first name and Rao as last name, even if Rao is not actually your last name. e.g., Rama as first name and Devi as last name.
Alternatively, you can put the entire name as the first name and put LNU as the last name. LNU stands for Last Name Unknown.
Some examples of this situation are Ram Kumar Sharma, Suresh Ramaniklal Patel, Srinivas Sunder Krishnamurthy etc.
In such situations, you can put the first and middle name as the first name (such as Ram Kumar), and the last name as the last name (such as Sharma). Anyway, when the insurance card is printed, all the names will be listed one after another in the same line.
Or you can choose to ignore the middle name.
No, for these insurance purposes, if you are a U.S. citizen, you must use your U.S. citizenship even if you are additionally a citizen of another country to review insurance plans. You can't use your other citizenship to try to circumvent the online application if you are otherwise not eligible to purchase a plan.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreSame Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreHealthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreDid 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 MoreYou are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreYou 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 MoreThe U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreSchengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreYou don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreMost schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More