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Ask Our Specialists

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

Q:Good morning, I'm from Spain but I'm moving to United States on Jan.15th because I won a Green Card on the DV Lottery. Now I'm trying to find a good insurance policy for my first months within the US. Do you have any suggestions? Which insurance can I apply for if I'm a Green Card holder? Thank you so much for your attention. Best regards, CHRISTIAN C.

A:
Thank you for contacting Insubuy for your insurance needs. As a new immigrant into the United States there is a plan that we would recommend for coverage in the interim period for before your domestic insurance would begin. There is a plan called Patriot America Plus that would cover the new accidents and new illness that happen after the effective date of the policy. There is no preventative care or care for immunization offered under any short term plans on the market.
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Q:I'm trying to buy insurance to my mother visiting US from Jan 10th till July 7th. Can you please help me to find the options that you have and purchase the insurance? She's not US citizen , I'm US citizen.

A:
In order to better assist you please provide your mothers age, the visa type she will arrive in the United Sates on, and the state that she will need coverage in and we can send you a quote with the available plan for coverage. Meanwhile, you can find plans that are available on the Insubuy website by entering in the requested information. If you need any further assistance please feel free to contact our office. - Visitor's to USA Insurance
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Q:I need a health insurance between Jan 18 to Oct 18, I'll study in the US with a J1 VISA, so the insurance must satisfy minimum requirements ($100000 accidents and illness, $50000 medical evacuation, $25000 return of remains). Does the Visitor Insurance Plan c meets all of these? Are there also other solutions? Should application be done before or after the departure?

A:
We have many insurance plans that meets standard J1/J2 visa requirements. You can purchase either the Exchange Guard plan or Patriot Exchange Program plans. You can also compare these plans at the J1 Visa Health Insurance section on our website. You should purchase the insurance before the departure date. Please feel free to contact us if you have any further questions.
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Q:Tokyo Marine HCC insurance card and Atlas insurance card are the same? Why the plan is under Atlas but the card is under Tokyo Marine HCC?

A:
Tokio Marine HCC is the administrator of the plan. Atlas America is the name of the particular plan you are looking to purchase. There are several different plans that are administered by Tokio Marine HCC. The plan name Atlas America just identifies the specific plan you purchase and the coverage you receive.
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Q:Wondering if the following is covered. Trip to Caribbean booked in last week. Travel is in less than 10 days. One of the travelers is pregnant, and knew to be pregnant at time of booking. In a follow-up with Doctor the medical advice is not to travel due to Zika and Doctor has provided a written note. Is cancellation covered in this scenario?

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, it is too late to purchase a plan to cover such a situation as this is a situation that is already known. The plans are to cover unforeseen instances, this would not be covered. If you have any further questions please feel free to contact our office.
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Q:Kindly advise me whether preexisting condition is covered by the insurance company when the visitor to usa is over 70 years but below 75 years..

A:
Before we suggest any plan would like to know what kind of pre-existing conditions coverage are you looking for? In general, insurance will pay for new sickness, injuries or accidents that may occur after the eff. date of the policy it should not be pre-existing or preventive care. However, Safe Travels Visitors to USA is a fixed coverage plan and it provides coverage for acute onset of pre-ex upto $25,000 but it has some specific exclusion. Please find more information at here. You can compare these plans with others, narrow by pre-ex conditions coverage and read outstanding restriction next to each plan on our website 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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