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Ask Our Specialists
All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:Hello, I am a Non-US citizen and visiting US for about 1 month with my 2 children. One of the children is a US citizen and other is Non-US citizen. Can you please let me know if I can purchase the insurance together for the 3 of us or I need to buy separately for my US citizen child? If I can buy it together, should I select "Non-US Citizen" or "US citizen" in the drop-down on your website?
Q:Do you have any insurance for my in law who will travel from China? They are 85/86 years old. Will stay from 6/1/2017 to 9/10/2017. Thanks a lot.
Q:I'm a Canadian citizen living in the US permanent resident (Louisiana).I'm interested in your travel medical insurance. I'm pregnant with twins through IVF and I would like to travel to Canada around 20-21 weeks of pregnancy. Do you offer any plans that would not exclude pregnancy complications in my case?
Q:Will you be providing Form 1095-B for tax filing purposes?
Q:Hello, i just wanted to let you know that i have successfully purchased the Diplomat America plan for my son. everything worked ok after your clarifications. the web site and payment worked very smoothly. i will check back before September to either renew the current plan (there will be a gap after it expires and before i renew) or just repurchase a new plan. thank you again for your help.
Q:BEST PLANS - Fixed Coverage vs Comprehensive Coverage Request to INSUBUY to make this thread a sticky topic to help all consumers: I'm going to write this here for everyone to read, PLEASE READ VERY CAREFULLY, THIS IS BASED ON ACTUAL EXPERIENCE. If you're wondering whether to buy a Fixed Insurance or Comprehensive Insurance plan, consider this; While Fixed Insurance plans are cheaper upfront, there is a reason, and the reason is that they provide practically no coverage in the US. WHY you ask? Simplest answer is that Fixed Insurance plans do NOT have any PPO networks. A PPO network is Preferred Provider Organization, it basically means that any doctor or hospitals who are part of that network have a PRE-NEGOTIATED RATE defined and CANNOT charge more that that rate. WITHOUT A PPO NETWORK, DOCTORS AND HOSPITALS CAN CHARGE ANYTHING THEY LIKE, so a Doctors visit for a Stomach Ache or Ear Infection can cost you $500 and a Broken Arm can cost you $10,000 when you visit a doctor or hospital who is NOT in the PPO network. Fixed coverage plans do NOT have PPO network and only pay minimal amounts ($60 for a doctor visit), it the lack of a PPO network which is the reason why the plan is useless. Spend you money wisely and purchase a Comprehensive plan, there are many good ones there, Atlas, Patriot etc. Compare them and make a decision, but remember WHEN BUYING INSURANCE FOR THE USA ALWAYS BUY A PLAN WITH A PPO NETWORK. Otherwise you'll be paying for it for the rest of your life :) NOTE: I'm a consumer who got stung very badly with a Fixed Coverage plan and these are my experiences. I'm not promoting any product or service, just providing my feedback to help folks. I love Insubuy because they are VERY helpful and have GREAT SUPPORT and ARTICLES explaining these issues. They have a GREAT comparison between the plans, spend some time going through them and reading the policy documents if you have time (e.g. pre-certification etc). I've tried every major insurance provider on the internet and have always come back to Insubuy. I was short sighted to save a few $ and am now paying the price for it.
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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.
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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