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Ask Our Specialists

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

Q:Hello, I am moving to France March 1 2018 and would like to see if you offer insurance coverage there. I am currently 15 weeks pregnant and will be 27 weeks once I arrive in France. Can you please advise if you offer coverage and price?

A:
There are plan on the market that will cover you while you are in France they will not however cover any expenses related to your pregnancy. This would be a cost that you would have to pay for out of pocket as the plans will not cover anything that happens before the effective date of the policy. You can review the Medical Insurance for Travel Outside the USA available plans using the link. If you have any additional questions please contact our office.
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Q:I was looking at the Patriot Platinum America plan and could not find some info. Is there any deductible/copay/coinsurance applicable for urgent care/ doctor visits? If yes, how much is it and where can I see this info?

A:
As a doctor or Urgent care visit would be considered one in the same on this plan you will be responsible for the deductible at the time of service for any visits to any providers until the deductible is met. There is not a concept of a copay in this plan only and applicable deductible and coinsurance. If you have any additional questions please contact our office.
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Q:I am a visiting scholar from China,and I am going to visit Rochester NY in USA from Dec 30 2017 to Dec 30 2018. I have a 6 years old son with me together. While i insured in your website for the Atlas Exchange, the website always said,Date Coverage Should End can not be more than a year from Date Coverage Should Begin.I don't know how to continue to insure for my son and I,cause the date I selected was what I need. Would you please tell me how to deal with it?

A:
The Atlas Exchange plan is available for a maximum duration of 364 days at a time. Your purchase can not go beyond this amount of time. So the date of coverage would have to be 12/30/2017 - 12/28/2018 this would be a maximum period on the plan to purchase a 1 time. If you have any additional questions please feel free to contact our office.
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Q:What are the differences between deductible types?

A:
Deductible Types: Per Incident Plans that have deductibles once per incident may also have benefits that are once per incident. However, some benefits are for the life of the policy, it should not be assumed all benefits are per incident. Annual Means once per year. Most of these plans are extendable; the deductible is once per year regardless of how many times the plan is extended. Of course, if the total duration of the insurance is less than 1 year, the deductible would only have to be met once. Per Policy Period Means once per the duration of time that the plan can be purchased. These plans can only be purchased up to a specified amount of time, typically 364 days maximum duration. The deductible is once for the entire duration, including the extension periods. The deductible carries over and would not have to be paid again after the insurance is extended.
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Q:I am looking into travelling to Germany and am looking to buy travel insurance for the same. I was wondering if you can help me with a quote for the same. I will also be travelling to France and Zurich at later dates next year.

A:
Thank you for your interest in purchasing insurance through us. We have many insurance plan that meets Schengen visa requirements. As soon as you purchase insurance you will receive confirmation by e-mail. Which will have a link to print ID and visa letter and you can submit those documents to Consulate. Link for Schengen visa insurance Please enter appropriate criteria. You will find many plans. Next to each plan you will find sample id card and visa letter. Please feel free to contact us if you have any further questions.
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Q:Hi, how do you do , I want to ask you about insurance. I am in another country temp.. Need insurance .. If you can send me. A quote.. How much. Do I pay a month.. Like a 100.00" please get back to me.

A:
Plans are designed to cover anything new that happens after the effective date of the policy. Anything that manifested itself in the body prior to the effective date of the policy will be considered a pre-existing condition. Please see the our Medical Insurance for Travel Outside of the USA section for more information about the plans and to review the available plans and to generate a quote for coverage. If you would like assistance from a licensed agent please contact our office.
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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.

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Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy 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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