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Ask Our Specialists

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

Q:My mom is coming to stay for 1 month vacation from the UK.She is 71 years old with a pre existing condition,she has a cardiac defibrillator implanted ,and has had no heart problems since she had the surgery 3 years ago.She is also diabetic on oral medication,and is registered disabled due to chronic back issues since age 24,all that being said,she is stable and has had no hospital admissions since her surgery for the implantable device,and had had none prior to that since childbirth.She visits us every year for a month,but is not able to use her usual insurance company due to her current age.Would you be able to cover her,and what would the quote be?

A:
Short term plans for an international visitor covers new sickness, injuries or accidents that may occur after the eff. date of the policy. Plan will not pay for any pre-existing or preventive care. Some plans provides coverage for an Acute Onset of Pre-existing Conditions below age 70. 70+ we have one plan which covers acute onset of pre-ex up to $25,000 but it has exclusion for cardiac disease and conditions. Please visit and find more information about Safe Travels USA Comprehensive plan. Please find more plans at our website. Please enter appropriate criteria. You will find many plans and you can also compare them side by side.
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Q:I'm interested in taking Patriot America/ Patriot America Plus plan for my parent. However, I would like to know more details about the pre-existing conditions coverage and the total premium I need to pay for 4 months. Also, do you issue an e-card or some documentation which I can print immediately after application.

A:
The Patriot Travel series plans will provide virtual policy documents typically within 30 minutes of your purchase. You will also receive physical cards in the mail within 7-10 business days of your purchase. These plans are designed to cover the new accidents a new illness that occur after the effective date of the policy. Plans will not cover the pre-existing conditions, routine doctors' visits, medication as it relates to the pre-existing conditions or immunizations. The Patriot America Plus plan will cover for what is called an acute onset of a pre-existing condition. This coverage is available up to the policy maximum for individuals 69 and below An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously without any advance warning and treatment must be obtained within 24 hours of the symptoms. Please review the Acute Onset of a Pre-existing Conditions FAQ for more information.
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Q:I am a graduated student who is studying in Rutgers University- New Brunswick i want to know if INSUBUY has student health insurance can meet the Rutgers Health Insurance Requirement. Thanks for your time and have a great day. http://globalservices.rutgers.edu/content/Center_Staff_Services_and_Programs/Health_Insurance_Program/Rutgers_Health_Insurance_Requirement.html

A:
Thank you for contacting Insubuy for your insurance needs. There is no plan on the market that will meet all of the requirements except for the plan that your university is offering. While we do have plans that meet most of the requirements there is not a plan that will meet all of the requirements. If you have any questions please feel free to contact our office.
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Q:My mother will be visiting me march 2017. Her stay will be flexible but will be about 4-6 months long. She is a Canadian citizen but for the last 3 years has been residing in India. She is 82 years old. I need to know the best insurance plan I can get for her. I cannot afford something very expensive. Please help me

A:
There are several plans that would work for your mother as a Canadian citizen visiting the United States. There are 2 types of plans that are offered on the Insubuy website. Fixed and comprehensive plans, the fixed coverage plans will be less expensive but will offer less overall coverage in the event of something happening as they pay fixed amount according to a schedule of benefits. The comprehensive plans will be more costly but they will provide a more robust coverage and will work closer in relation to a domestic insurance as far as the way it will pay. Please read the Fixed Coverage FAQ about the risks of purchasing fixed coverage plan. Please read the Comprehensive Coverage FAQ about the benefits of purchasing a comprehensive plan. You can find eligible plan in out Visitors to the USA section.
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Q:With reference to the conversation I had, I am sending you the requirements of my school that should be met for getting my health insurance.

A:
Thank you for your interest in purchasing insurance through us. We have some plan that meets most of the requirements except 1or 2. But waiver form specifies that all the requirements MUST meet. You can purchase insurance from your school.
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Q:My name in Alina Saillard and together with my husband a group of co-workers of my company, are planning to visit New York starting from the 17th to the 22nd of March.We are all living in France. I would like to ask you how can I have a health insurance for myself given that I am pregnant and I will have 23 weeks of pregnancy at the moment of the trip. Can you provide me information of what could be done for my case?

A:
You can purchase Atlas group if there are 5 or more people otherwise you can do individual application. The plan will cover complication of pregnancy up to 26wks. Please find more information on complication of pregnancy in the certificate wording at Article 10, page 18. Please see and review the Atlas America plan and Atlas Group plan. Please feel free to contact us if you have any further questions.
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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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