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Ask Our Specialists

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

Q:I am a Postdoc just joined UNC at Charlotte, and I am seeking health insurance for my wife (born on 11/17/1982 and my daughter born on 10/17/2014, and a younger daughter born on 03/10/2017 ). I am looking for an insurance plan which covers immunization and vaccination for my younger daughter.

A:
There is no short term plan that you can purchase only for J2 visa holders which covers immunization and vaccination unless you get insurance through your school which will be very expensive. Insurance will pay for any new sickness, injuries or accidents that may occur after the eff. date of the policy. Insurance will not cover any pre-existing or preventive care. Please view or J1/J2 Visa insurance section for more information. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions. You can purchase Atlas Exchange plan because it's family friendly plan so if one parent insured child under 9yrs will get insurance at no cost. Please feel free to contact us if you have any further questions.
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Q:My son is an international student attending Wayland Baptist uiniversity in Plainview, TX. He is a F1 visa holder. The mimimum requirements for health insurance on WBU are as follows: Maximum Benefit for policy year of at least $500,000 Out of Pocket maximum of $7500 for "in network", $15,000 for "out of network" Less than $250 deductible per policy year per individual Coinsurance coverage of at least 80% for "in network" and 60% for "out of network" Covers preventative care like physicals, gynecological exams, routine screenings and immunizations, stc., at 100% with no copay or deductible for "in network" services Minimum of $50,000 for Medical Evacuation Minimum of $25,000 for Repatriation Benefit Must include "in network" providers found in Plainview, TX, and surrounding areas. He is also participating in WBU swimming team as an amateur athlete. We would like to receive a quote for health insurance period of 23rd August 2017 to 15th December 2017.

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, there is no plan available that can meet the attached requirements. You would have to purchase the plan offered by the university. If you have any additional questions please feel free to contact our office.
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Q:HI, My wife is pregnant. we expect she will be in completing her 7th month when we travel to USA on H1 Visa. Please let me know the best insurance product to take which should cover maternity expenses also.

A:
Thank you for contacting Insubuy for your insurance needs. However, there are no plans that we can offer you to coverage any maternity related expenses. If you need any additional clarification please contact our office.
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Q:I am a staff member and PhD student at Addis Ababa University, Ethiopia. I have got a five months training offer from the International Center for Regulatory Science, University of Southern California to learn courses from 15 August 2017 to 15 January 2018 as a visiting student. I am required to purchase Health and Accident Insurance for my stay. I have been informed that your company works with USC for the same. I just want to get the price quotations and also an advice on how can I proceed. Kind regards,

A:
We have many plans that meet standard J1 visa requirement. Is there any special insurance requirements from your school. If yes, please send us the requirements in pdf attachment. Otherwise, you can purchase any of the comprehensive plan from our J1/J2 visa insurance section at our website. You can send the requirements, travel date, age and will be glad to send you quote by e-mail also.
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Q:This is in regards to the health insurance plans for international students studying in the US. I will be attending Gettysburg College in August. I wanted to inquire if you have any health insurance plans that provide coverage in the Gettysburg, Pennsylvania. Can you please send me details of any such health insurance plans. I would also be grateful if you can explain how the health insurance will work; will I have to find doctors/specialists within the Preferred Provider Organization and how will I know which doctors/specialists are within the PPO? I included my requirements for waivers. I am interested in purchasing the "STUDENT SECURE SMART" health insurance plan. Thank you for your time. I look forward to hearing from you.

A:
Yes, the Student Secure Smart will meet the requirements as listed. If you have additional questions please feel free to contact our office.
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Q:I am writing to consult some information about internatioanl insurance. Because I will go to Italy for a week, but I do not know which type of insurance I need to buy. Would you like giving me some advice? The requirements of the Italy Visa is as follows: Medical Insurance Coverage Abroad for the entire period of travel in the Schengen area with a minimum coverage of Euro 30,000 for hospitalization, emergencies, evacuation and repatriation. Make sure that these 4 benefits are itemized on the policy issued by your current US Health Insurance company, or by a US Travel Insurance company. If your US insurance provider cannot issue a letter specifying the above, you contact a travel insurance company which will be able to do so. (we do not accept insurance card or insurance booklets) In addition, I am a exchange Phd student from China (no-American), and now I am studying in USA with J1 Visa.

A:
Please use the link listed below to search policies that will meet the Schengen Visa requirements. If you need any additional clarification please contact our office. Schengen Visa Insurance
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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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You cannot find a lower price anywhere for the same product.

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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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