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Ask Our Specialists

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

Q:I am ready to purchase International Health Insurance for my wife and son. They are both US citizens and we live in South Africa. My son is 4 months old. We are immigrating to the US in April. I have resigned from my current job here in SA and so we will lose our current health insurance from 1 April. My wife and baby need coverage while we are still in South Africa. Is the Patriot International travel insurance the best option for them? What do I select for "date of departure from home country" and "date of return to home country"? We have bought one way tickets from South Africa to the US.

A:
The Patriot International plan would be the most appropriate plan for coverage for your wife and child. The date of departure from the home country would be the date they left the United States because as a U.S. citizen the USA is always considered their home country. Date of return to the home country would be the date expiration date of the policy. If you have any additional questions please contact our office.
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Q:My mom will visit USA on 4/12/2017, I want to purchase fixed coverage health insurance for her. When I tried to get a quote on your website, it didn't let me enter date of birth for some reason. She was born on 6/28/1957. And her stay time in USA is from 4/12/2017 to 10/06/2017. Would you please send me the quote for visitor health insurance? Thanks.

A:
When you are entering the information on our website you would enter her age of 59 instead of a date of birth. Once you have entered the required information and you click on search and compare you will see the plans. If you want us to forward a quote then please provide the state she will be visiting so we can send the appropriate plans.
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Q:Hi, we're trying to find the best option for a travel health insurance for our mom. She'll be coming to the US for a visit of 4-5 months. Can you please send us what options you have available. She is 78 years old, coming from Venezuela, staying with us in CA. Her US Visa is R B1/B2, and expires in 2021.

A:
Based on her age, we would recommend the Safe Travels USA Comprehensive plan. You can find additional plans on our website and can compare the plans side by side. Please feel free to contact our office if you need additional assistance.
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Q:If I take the comprehensive plan, will the routine lab cost that I have to pay for test be the contracted/negotiated rate between the insurance company and the lab or will it be up to the lab to charge according to their choice?

A:
Network negotiated rates are only going to apply for the eligible covered expenses. You would not receive network negotiated rates for out of pocket uncovered cost that you incur. So for the lab test needed weekly you would pay whatever the doctor's office normal fee is for that service.
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Q:If I purchase a comprehensive insurance, does it cover for any treatment due to preexisting conditions? Age is between 60-64, visitor visa, Virginia. Due to preexisting conditions certain lab test will need to be performed routinely(once a month). Was wondering if it will cover for routine lab tests?

A:
Thank you for contacting Insubuy for your insurance needs. There is no plan available to visitors that will cover a pre-existing condition, but many plans include a benefit for an Acute Onset of a Pre-existing Condition. The plans will not cover the routine lab tests. The plans will cover any new illness or injury that occurs after the effective date of the plan. You would have to pay for the lab out of pocket. We have many plans for Visitors to the US on our website and you can compare the plans side by side. Just enter in the required information and then click on search & compare. A couple of the plans we would recommend is the Atlas America and Patriot America Plus. If you have additional questions please feel free to contact our office.
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Q:Hi My parents are planning to visit me in USA . There trip is around 114 days. I am very interested in buying the Atlas essential america policy for both of my parents. When I look at it online I see the total quote is $759 I was just hoping if I can get any discounts on top of that and i will policy today itself. Please let me know.

A:
Thanks for contacting Insubuy for your insurance needs. Prices are regulated by law so it's not possible to offer a different price. If you need additional assistance please feel free to 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.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

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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