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Ask Our Specialists

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

Q:My in laws are planning to visit USA. My father in law is 71 years old and mother in law is 62 years old. They are traveling on 24th March and returning back on 04- June. They are visiting me at Connecticut.I have seen online quotes and find Safe Travels USA comprehensive better as acute onset is covered for age above 70. I am looking at plan which covers acute onset of pre-existing disease at his age. Please advise

A:
Safe Travels USA has some specific exclusion. Please look at the attached documents. You can also find more information in the Safe Travels USA certificate wording. For your father you have limited option but for your mother we have other plans that will be more suitable for her. Please get the separate quote for them at our website in order to get more options. You can also call our office at (866) INSUBUY and will be glad to help you to choose the best suitable plan.
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Q:We are a language school located in Florianopolis, Brazil, and we are looking to receive information about acquiring insurance for a group of teenage students (around 10 people) their ages are from 12 to 17, for a trip in July/2017. There are two possible destinations, the US or Canada, they haven't got a Visa yet. Could you please send us details on the procedures, options and prices?

A:
You can purchase Patriot Group Insurance. This plan will allow for coverage to both United States as well as Canada so this plan will work in either scenario. You can use the link for more information on the plan. You will see may options and different pricing depending upon the policy maximum amount and deductible chosen for coverage.
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Q:I am looking for an insurance plan for my father who is 73 of age and has a couple of preexisting conditions, which has been stable and is being managed by his routine medications. He is traveling to US from China next week and will stay with us for only 7 days. I found safetravel covers new onset and re occurrence of pre existing conditions for up to a certain amount, however, when I was ready to pay for the coverage, I was asked to checked a box stating I am aware coverage excludes any preexisting conditions. I am confused to be honest. In its overview on your website, it specifically stated it will cover to a small amt. Therefore, I would like to know how do I know for sure this plan will cover the preexisting conditions related incident as it claimed in their overview? Also, whats the best traveler insurance for seniors over age of 70, if this one is not good?

A:
Thank you for contacting Insubuy for your insurance needs. There are no short term health insurance plans on the market which will provide coverage for a pre-existing condition. The plans are primarily designed to cover only any new illnesses, injury or accidents which occur after the effective date of the policy. The Acute Onset of a Pre-existing Condition is defined as a sudden and unexpected recurrence of a pre-existing condition that occurs all of a sudden and without any prior symptoms or warnings and treatment must be taken within 24 hours. If something were to happen to the insured, which is due to a pre-existing condition, it must meet the acute onset definition in order for the plan to provide coverage. I have included a link to the acute onset of a pre-existing condition FAQ which also provides a few examples. If you have any additional questions please let us know. You may also contact our office at (866) INSUBUY and speak with a licensed agent.
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Q:I'm supposed to go to the US for the military training as a Korean Officer. We will get the A2 visa as a soldier. I'll stay at Alabama for 1 year and 1 month. Then, I am requested the insurance for my family. But, in your homepage I couldn't proceed for the entire duration in the US. I'd like to make a contract for 1 year and 1 month. So, is there the way that I set up the my insurance for that periods?

A:
The recommended plan for coverage would be the plan Patriot America Plus. You can purchase this plan for a maximum of 12 months one time and we can manually go in and extend the plan for the additional month that is needed for coverage to satisfy your requirement. This plan will cover any new accidents or new illness that happen after the effective date of the policy. Please use the link for more information about the Patriot America Plus plan. Please feel free to contact our office if you need any further assistance.
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Q:I am applying for Schengen visa so would like to know that if I purchase insurance from Insubuy then will you be able to provide me a letter stating that I have international medical coverage, emergency evacuation, and repatriation?

A:
Thank you for contacting Insubuy. Once you purchase a plan from the Schengen Visa Insurance section of our website you will receive an email confirmation which will give you access to download the visa letter. In the details section of each plan there is a link to access the sample ID card and visa letter, so you can review a sample letter before purchasing the product. If you have any additional questions please let us know.
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Q:My spouse is an international graduate student at Virginia Tech and I came here with F2 visa. I am interested in your insurance for myself but it is important to me that my future insurance can meets all the below requirements. Could you please offer me a insurance plan that can cover these requirements. Adequate provider care within a 50 mile radius of campus of enrollment Deductible of no more than $500 per accident or illness Major medical benefits of at least $500,000 per insured per policy year Repatriation and medical evacuation coverage to home country at no less than $10,000 Pregnancy, childbirth and complications of pregnancy must be treated as any other illness under the policy Prescription coverage of no less than $500,000 per insured per policy year Mental health care (in- and outpatient) covered as any other illness No pre-existing condition exclusions or waiting period No limits or internal dollar caps on coverage, including services, treatment or surgery Coverage is valid for one year from Aug 1 or first day of enrollment in school, and effective through the following July 31 or last day of the month of the student's graduation (I think for my case starting time could be March 10 and ending July 31)

A:
Thank you for contacting Insubuy. There are no plans available which will meet the requirements listed below since the plan must have "no pre-existing condition exclusions or waiting period". If you have any additional questions please let us know.
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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.

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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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