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Ask Our Specialists
All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I was looking at one of the insurance policies you are promoting: Diplomat America Travel. Your website promotes it as an option for American citizens living abroad travelling to the United States. However, when I went to their website, it looks like it is only available to non-US citizens. I am an American citizen but have been living in Spain for nearly three years. Am I eligible for this plan?
Q:I'm looking for a plan for family of four person, such as wife 42, husband 43, son 15 and daughter 3 years old resp. We are going to arrive to US at 20th august and departure 06th september. We'll arrive as lawful permanent resident/ green card holder.
Q:If we purchase Schengen visa required travel insurance and we don't get the visa, can we cancel it? Can we cancel it even if we get the visa and decide we want to go with a different insurance?
Q:I was interested in purchasing the Schengen visa travel insurance and the application form requires residence country. My permanent residence is in India but I currently live in the United States. Hence, which country do I fill in as my residence country?
Q:Hello, I am a US citizen and Spanish citizen. I am currently living and working in Spain. I am visiting the states for 2 weeks (NY June 22-June 27 and Oregon from June 27-July 6) to visit my family. I don't have health care in the States. What would the coverage look like? How much does it cost? Can you please help me by providing a quote for this particular case. Thank you. I appreciate your time.
Q:I will go to The Pennsylvania State University this Sept, with my wife and my 3-year-old son. Would you please help to suggest insurance meeting PSU's requirement? Its requirement is as below for your information: International Student and Dependent Waiver Standards for the Student Health Insurance Plan Effective August 10, 2017 All requirements must be met for a waiver to be granted: 1. U.S. carrier or entity is approved to do business in the U.S. and compliant with all guidelines of the Patient Protection and Affordable Care Act (PPACA) 2. Carrier has a filed and approved health insurance policy with the Commonwealth of Pennsylvania Department of Insurance or has a sponsored insurance plan that meets the waiver standards and is approved by the Student Health Insurance Office, together with a letter of financial guarantee directly from the plan sponsor 3. Coverage for 100% of preventive and contraceptive care (preventive examinations, immunizations and screening tests, as required by the PPACA and the Commonwealth of Pennsylvania for student health insurance plans) 4. Coverage for pre-existing conditions with no waiting period 5. Deductible no greater than $500; 6. Coverage for all essential benefits for accident and sickness, including prescription drug coverage, without limitation 7. Maternity Benefits (or Pregnancy) covered as any other illness or injury; 8. Inpatient and outpatient mental health/substance abuse as any other condition 9. No exclusions for injury or illness as a result of alcohol, drugs or attempted suicide 10. Worldwide coverage 11. $3,000 In-Network out-of-pocket maximum 12. $15,000/$30,000 Out-of-Network out-of-pocket maximum 13. OR U.S. employer sponsored health insurance in place of standards 1-12; 14. And Medical evacuation ($100,000/Repatriation ($50,000) minimum limits.
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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.
Did you know?
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy buy 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 are not 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.
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