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Ask Our Specialists

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

Q:Dear Team My wife is the recipient of the Fullbright scholarship for the PhD program and will be attending the UGA session commencing from August 2017. My son who is going to be 14 in July this year, would be accompanying her throughout the program which is for 4 years. I understand for a J2 visa, medical insurance is mandatory. The conditions are as following: (1) Medical coverage of at least $50,000 per person per accident or illness; (2) repatriation of remains in the amount of $7,500; and (3) medical evacuation benefits of at least $10,000. Kindly chalk out a suitable plan for one year (renewable each year) for providing my son Ahmad Hyat the medical insurance fulfilling the aforementioned criteria.

A:
We have many plans that meets standard J2 visa requirements. As the requirements changed in 2015 the U.S. department of State requires that you purchase a minimum policy of $100K in order meet their requirements on a J visa. Please check with her sponsoring organization to make sure that $50K is sufficient considering the new U.S. department of state requirements. Meanwhile you can review Atlas Exchange plan. You can compare Atlas Exchange plan with our other J1/J2 plans at J1 Visa Health Insurance section in our website. Please feel free to contact us if you need any further clarification. We can also send you quote if you provide one information like which state do you need coverage for him.
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Q:Dear all, I would like to know if you have a health insurance plan (meeting the J-1 health requirements and the ACA compliant insurance) that I can buy for less than 3 months (1 month).

A:
The J1/J2 insurance that we offer thru our website are short term plans that provide coverage for new injuries and illnesses that should occur after the effective date of the policy and usually meets most school requirements, but are not ACA compliant plans. These plans will provide temporary coverage until your school offers you ACA compliant insurance . If having an ACA compliant plan is required by your school, than you will need to purchase insurance through your sponsoring organization. If you have further questions please let us know.
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Q:Please give me information about vacation insurance? I will be spending 10 days in Poland and 5 days in Italy. I need the insurance for the visa.

A:
Thank you for contacting Insubuy for your insurance needs. There are several plans that you are eligible to purchase, please review the links listed below to a few recommended plan options. These plans will meet the Schengen visa requirements. Safe Travels International Cost Saver brochure & instant purchase link You can find additional please using the following link: Schengen Visa Insurance If you need any additional assistance please feel free to contact our office for assistance.
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Q:I'm purchasing a policy from Insubuy. If I purchase a policy that is "Coverage Outside USA", this policy should cover me for treatment to any medical needs that I may need while traveling correct? If I'm traveling to Australia and Fiji, would this same policy cover me in these two countries while I'm traveling during same trip/one trip? What are the other things that I need to keep in mind?

A:
If you purchase insurance that is coverage outside USA. Will provide you coverage anywhere in the world except US and your home country. This is a short term medical insurance. Insurance will pay for whatever treatment medically necessary as long as it's not pre-existing or preventive care. You don't need to purchase separate insurance for Australia and Fiji. Please visit our Travel Health Insurance section. 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.
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Q:I want to buy insurance. I am 75 and my wife is 72. Can I add to this flight delay, luggage delay., luggage loss etc

A:
We provide medical insurance from many companies. Most of the trip insurance plans are available to US Residents. We have one plan under which you can add trip cancellation benefits. Please look at Trip Insurance plans. You can find more medical plans at our website. 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.
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Q:My parents are Indian nationals ( aged 77 and 69). They are planning to visit my brother in California, USA from the 8th May to 8th of August. On their return journey they plan to stay with me in Birmingham UK from the 8th of August to 31st of August 2017. Is it possible to get insurance cover as a multi trip policy for this period.

A:
Most plans will cover the individuals anywhere there outside of the home country or country of citizenship. Please review the recommended plans listed below that will cover your parents in the U.S. as well as in the UK. Atlas America Patriot America Plus You can find additional plans at our website for your coverage area. You would select International including USA. If you need any additional assistance 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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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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