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Ask Our Specialists

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

Q:I'm f-1 visa holder and currently on opt it started on 07/20/2017 and my health insurance stopped on 08/24/2017 so I don't have health insurance since then. I started working at a small company from 08/01/2017 and have ssn so i have income and taxes all that stuff. But the company does not offer health insurance and I didnt aware I will still need to get one till now. I know it has passed 60 days already so does that mean I will probably get fined? Can I still get insurance now and asap? Because I have asked other insurance company they said its too late the coverage can only starts from 01/01/2018.

A:
You can purchase Atlas Exchange plan under our OPT insurance section until the end of year using this link. You have to enroll now under domestic long term plan and that will provide you coverage from 01/01/2018. Please feel free to contact us if you have any further questions.
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Q:I am planning to buy visitors insurance for my parents. I have a question that there is vague possibility that return date for my parents might get extended. In that event, how easy is to renew the policy and how much earlier I have to renew it to ensure that its effective throughout.

A:
There are several plans that are available that will allow you to renew the plan should the insured individual need to extend. Some policies will have a $5 dollar renewal fee in addition to the premium in order to renew. Policies will need to be renewed before the expiration date of the policy to maintain coverage under one plan. Once a policy expires we are not able to renew the plan at all, at that time you would be required to purchase a new policy. If you need any additional clarification please contact our office.
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Q:I am an international student from India and I graduated from college in Jun 2017. I am in the middle of finding jobs and here on OPT. I needed guidance in selecting the optimum insurance plan for me. Is there anyway an agent can call me after 5PM today?

A:
Thank you for contacting Insubuy for your insurance needs. We have a few plans in the OPT section of our website that you would be eligible to purchase. What plan have you had since June? The plans will cover any new illness or injury that occurs after the effective date. If you would like for an agent to call then provide a phone number we can reach you at. You can also call us at 866-INSUBUY (467-8289) when you are able.
{{currentOrigin}}/answers/other-insurance/opt-plans-available-for-international-students-in-the-usa-69119/

Q:I am an international student from India and I graduated from college in Jun 2017. I am in the middle of finding jobs and here on OPT. I needed guidance in selecting the optimum insurance plan for me. Is there anyway an agent can call me after 5PM today?

A:
Thank you for contacting Insubuy for your insurance needs. We have a few plans in the OPT section of our website that you would be eligible to purchase. What plan have you had since June? The plans will cover any new illness or injury that occurs after the effective date. If you would like for an agent to call then provide a phone number we can reach you at. You can also call us at 866-INSUBUY (467-8289) when you are able.
{{currentOrigin}}/answers/other-insurance/opt-coverage-for-employed-52830/

Q:I want to check if any of the plan available on the website include pre-existing conditions? If not, then will the comprehensive plan cover other pre-existing conditions except cancer?

A:
Plans are designed to cover the new accidents a new illness that happen after the effective date of the policy. There are some plans on the market that will cover for an acute onset of a pre-existing condition. This coverage will not however cover the maintenance visits, medications, nor preventive care. Most comprehensive plans will offer coverage for the acute onset of a pre-existing condition. For specific examples of acute onset of a pre-existing condition please refer to the Acute Onset FAQ. If you need any additional information please feel free to contact our office.
{{currentOrigin}}/answers/international-travel-medical-insurance/comprehensive-plans-include-pre-existing-conditions-10783/

Q:I have a question about Atlas Travel Insurance. Is it allowed for the SSU Spanish student VISA? I'm worried because I heard that today in order to get VISA, the insurance company should be based in UK.

A:
Thank you for contacting Insubuy. If for purposes of a visa for a Schengen country you are required to show an office with the UK we do have some plans that will meet this need. If you could please verify your country of citizenship, if the U.S. please verify your resident state and the dates of coverage needed, we can make a recommendation for coverage accordingly. We look forward to hearing from you.
{{currentOrigin}}/answers/schengen-travel-insurance/schengen-insurance-requirements-for-international-student-42591/

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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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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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You are not eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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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.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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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.

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