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Ask Our Specialists

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

Q:I need to renew my insurance that I bought from Insubuy. My wife (having j2 visa) shall join me the next month. Can I buy her insurance separately or do I need to purchase it together.

A:
You can't add your wife in your current policy at the renewal. You have to purchase a new policy for her. Patriot Exchange Insurance So you can purchase it online using link above or give us a call at (866)INSUBUY and will be glad to process the application over the phone.
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Q:I need a Visitors Medical Insurance for a friend of mine who is in process of getting her Permanent Resident Status in the USA. At present she is in India. Age 27. Widow. I have her Power of Attorney. Please contact me either in person or by email. I am in Southlake TX USA.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Patriot America Plus short term insurance until she is eligible to purchase domestic insurance. You can also find various plans at /new-immigrant-insurance/ section. We tried to call you and left a message also. Please feel free to contact us if you have any further questions.
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Q:I was looking at the ATLAS AMERICA Comprehensive plan for a cousin expected to visit us in Jersey City for around 45 days from India. Wanted to check if this plans covers non-emergency PPO doctor visits (if needed) for common problems like a viral fever or cough and cold. My cousin in 29 yrs old and since she is visiting during colder months I wanted to check on the coverage details before making the purchase.

A:
Thank you for contacting Insubuy for your insurance needs. The plan will cover non-emergency doctor visits for any new illness or injury that occurs after the effective date of the plan. If you need additional assistance please feel free to contact our office.
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Q:Liaison continent A plan query Hi, I have bought the patriot america plus insurance for my father, and I was trying to purchase Liaison Continent A for my Mother. However, for Liaison, it appears that for residents of India need the approval from RBI. "Residents of India who are seeking to procure this insurance online whilst in India are required to obtain permission from the Central Government and Reserve Bank of India prior to purchasing this insurance." Is this true in my case as my mother is in India and I am buying this plan online from US for her? They are residents and citizen of India. I have kept this purchase on hold until I hear back from you.

A:
Good morning. Thank you for your interest in purchasing insurance through us. If you are using US credit card to pay for the insurance then below rule is not applicable because there is no overseas transaction involved in this. So your mother is eligible to purchase Liaison Continent plan. Liaison Continent brochure, instant purchase and other useful information, /safe-travels-usa-comprehensive-insurance/ Please feel free to contact us if you have any further questions. Have a great week! Thank you very much for your quick reply. Also, before I buy this, is there anything that will make me to buy patriot America plus instead of this? I know the coverage is little better in patriot America plus (90% vs 80%) but for my budget this plan seems better with similar coverage, at least for my mother. Your FAQ under claim process suggests that the plans from seven corners need to have pre-certification in each case? Is that true for this plan? Is this a drawback of buying this plan as opposed to patriot America plus? Lastly, just wanted to make sure if it is okay to sign the online application as this plan is bought for my mother/father and I will be signing it. Any other plan that is good for covering heart attack or blood pressure? They do not have this condition at this stage but with their age I am more inclined towards buying a plan that will cover this unless the patriot America plus (father) and this plan (mother) are good for the purpose. Also, I assume accidents in snow are covered by these plans (accidents and these are not as a result of hazardous sports). Sorry so many questions. Thanks for your help. Hello, You can choose either plan. Most plans have the same pre-certification requirements so you would have to obtain pre-certification if you choose Patriot America Plus or Liaison Continent. It is fine if you purchase and sign the application for your parents. When purchasing plans, you want to choose a plan that provides the Acute Onset benefit to make sure you have the most coverage available. Yes, the plan will cover any new illness or accident. If you need additional assistance please feel free to contact our office.
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Q:labor and delivery insurance HI my sister visiting Chicago on 2nd January 2017 till 10th April 2017 and her pregnancy due on 20th march and she is 23 years old. We need quote for her which covers her labor and delivery charge. thanks.

A:
Hello, Thank you for contacting Insubuy. The plans for visitors will cover any new illness or injury that occurs after the effective date of the policy. There is no plans available for visitors that will cover labor and delivery. She will need to pay all of those charges out of pocket. If you need additional assistance please feel free to contact our office.
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Q:Complication of Pregnancy Insurance Dear Sir or Madame! I have recently arrived to Houston, Texsas for tourism. Since I am in my first weeks of pregnancy I would like to insure myself for unpredicted pregnancy complications. I would like to know which insurance company is most appropriate for me and which Medical centers in Houston are included. Thank you very much for your help. Kind regards

A:
Hello, Thank you for your interest in purchasing insurance through us. We have a plan that will cover pregnancy complications up to 26 weeks called Atlas America. Atlas America brochure and instant purchase link: /atlasamerica-insurance/ You can also see a link for the provider directory in the above link. If you need additional assistance please feel free to contact our office. Thank you for your answer. I am also wondering how is with Visit USA insurance? It is appropriate for pregnancy complications? /visit-usa-insurance/ Thank you for help, Hello, Yes, the Visit USA plan will also include complications of pregnancy. Thank you. I have one more question. What is the difference between Visit USA plan and Atlas America. How can I decide which one to take? Both plan from the same Underwriter. The main difference is that Atlas America plan is renewable while Visit USA is not renewable. I would suggest to purchase some plan that is renewable so for some reason if you need to extend the trip you can renew the policy. You can compare these plans on our website at www.insubuy.com 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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