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Ask Our Specialists

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

Q:Insurance with pre-existing condition coverage Hi, I live in Charlotte, NC and my parents are visiting me from India for 2.5 months in October. My dad is a dialysis patient and he undergoes dialysis at home(peritoneal dialysis). We've arranged for all the things required for his dialysis through Baxter, his dialysis supply provider. I would like to know if you guys have any plan available that would cover medical emergency, if any, while he is here. Please do note that he doesn't have to visit any dialysis center while he's here unless there's an emergency. Thanks,

A:
Hello, Thank you for your interest in purchasing insurance through us. We are one of the largest broker for this kind of insurance. We provide insurance from most of the major companies in US. He is eligible to purchase a short term plan, that covers new sickness, injuries or accidents that may occur after the effective date of the policy. No pre-existing and no preventive care. However, we have some plan that provides coverage for acute onset of pre-existing. Please find more information at, /visitor-insurance-acute-onset-of-pre-existing-conditions/ Please visit our website at www.insubuy.com Enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
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Q:How to extend the insurance Dear Sir/Madam, Please let me know how to extend the insurance period for 12 or more days. Do I need to purchase new one or the same can be renewed for some days.

A:
You have not specified which insurance plan you have purchased. But most plans are extendable and you can extend them online at /myaccount/
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Q:Personal insurance Visitors to USA Dear Sirs, I would like to buy a personal insurance for me and my husband on your website. We are citizens of Russian Federation and will travel in West Cost of USA in September. We will have normal travel but with couple days surfing. I would be grateful if you could advise me what kind of insurance should I get in this case and where can I find the list of Hospitals in California, Arizona, Nevada and Utah in which I could go if something going wrong. Also, it would be very great to have a list of what is included in insurance. Is 1) emergency dental cases, 2) appendectomy, 3) flu or other respiratory viral infections, 4) animal and insect bites 5)gastrointestinal disease, poisoning 6) emergency cases on early pregnancy term (5-10 weeks) are included? If I would buy your insurance what should I do in an emergency case? Should I contact you or can I go directly to a hospital from your list? Could insurance company pay immediately to a hospital so I would have no problems with picking up documents and bills to send it to Ins.company for paying? Unfortunately, I could not find this information on your website. Sorry if there are too many questions, I would be grateful if you could answer all of them and send me some documents where I can find all that information (or links to documents on your website). Looking forward to your answer.

A:
Thank you for your interest in purchasing insurance through us. Short term plan are meant to cover any unforeseen accident, injuries or sickness that may occur after the eff. date of the policy. It doesn’t cover any pre-existing or preventive care. However, some plan provides coverage for acute onset of pre-ex. More information at, /visitor-insurance-acute-onset-of-pre-existing-conditions/ What kind of surfing are you planning to do? Once we get these information will be glad to suggest you some insurance plan accordingly. Please read claim process FAQ: /what-is-visitors-insurance/ Dear Sirs, Thank you for a quick reply! We are planning to have 3 surf lessons in LA (Santa-Monica beach) with a private instructor. I think it will be not very dangerous because we have no experience in surfing, so there should be lessons of basic skills. Also, we are planning to visit the Grand Canyon and the Death Valley, but no hiking is planned, just visiting places of interests. However, we are afraid to be bitten by insects or scorpion there. Thanks for the links below, an information about pre-existing or preventive care is pretty clean. We are young people (26 and 29 y.o.) and have no diseases that can be pre-existing or needs a preventive care. We just want to be safe in US and if something going wrong - not to have problems with money to cover medical urgent help. I`ve read all the information in links below, but unfortunately it`s still unclear what should I do firstly, where should I call or drive to have a medical help that will be paid by Insurance Company. I would be grateful if you could clarify this for me. If you need more additional information please do not hesitate to ask. Looking forward to your answer. In that case you can purchase Atlas America plan. Brochure, instant purchase link, /atlasamerica-insurance/ When you purchase insurance you will receive confirmation by e-mail. Which will have id card and other information. On the id card there will be claim dept. # so you can call during business hours. But if person need evacuation or repatriation there will be 24hr assistance number on the card. Below is the sample id card and visa letter. /atlas-america/sample-documents.pdf Our working hours are 8AM to 9PM Mon-Fri and 8AM-5PM CST on sat-Sun. You can call our office and will be glad to guide you where to call. Link for ppo network, /travel-and-student-insurance-ppo-network/ Please feel free to contact us if you have any further questions.
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Q:I am J-1 visiting scholar at UCSD, my wife and I just arrived SAN Diego two months ago. Ans my wife just pregnant. Could you please introduce some plans which are suitable for us? I learn that the "Study USA Healthcare" meets the UCSD insurance policy for J1/J2, but I would like to know if this plan covers already pregnancy. My wife is pregnant for one month. If not, is there any other plans suitable for us?

A:
No, Study USA plan will not cover if your wife is already pregnant. In fact there is no insurance plan that will cover pregnancy if your wife is already pregnant. J1 Visa Health Insurance
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Q:insurance for my sister visiting the U.S. I am trying to buy insurance for my sister who is an Indian Citizen living in Canada and visiting me in Maryland US for 12 days. She is arriving in the US today at 6PM and departing on September 4th in the evening. While filling up the details, about applicant information, it gives a message, if the applicant is physically located in the country of Canada during this quoting session, then the purchase is prohibited and must be cancelled by clicking the cancelled button. How and should I purchase then, if she is already, THEN IT IS ALSO PROHIBITED. PLEASE HELP

A:
Thank you for your interest in purchasing insurance through us. I think you were purchasing Atlas America plan. That plan you can’t purchase if the insured person is physically located in CA and MD at the time of application. So you need to purchase Safe Travels USA Comprehensive coverage plan. Please find brochure, instant quote and other useful information at, /safe-travels-usa-comprehensive-insurance/ Please feel free to contact us if you have any further questions.
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Q:Visitor Insurance for Mother Hi, My mother would be visiting US next week and will be here for 6 months. I am planning to take a visitor insurance for her during her stay. Find below the details: Age: 68 Pre-existing ailments: High blood pressure and Thyroid (under prescribed medication) I am looking for a best insurance plan with comprehensive coverage and BEST PPO network in and around Plano,Texas. Please help me to get the plan details.

A:
Hello, Thank you for your interest in purchasing insurance through us. Please provide the dates of coverage and we can send you quotes for our comprehensive plans. You can also call our office for additional assistance. Start Date: 08/29/2016 End Date: 02/27/2017 Ensure best PPO coverage in Plano Hello, We have sent a quote for several comprehensive plans with large PPO networks. You can click on the box to the left of each plan then click on compare to see the plans side by side. If you have any additional questions please feel free to contact our office. Thanks for the response. Between Atlas America and Patriot America Plus, which has good PPO network coverage in Plano area. Please suggest. It would help me to finalize the purchase. Hello, Both the Atlas America and Patriot America Plus plans will participate in the same PPO network for coverage in the area. The Patriot America Plus PPO network search is more user friendly so it may make locating a provider a bit easier.
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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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Visiting USA?

Healthcare costs are very high in the U.S.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You could lose your non-refundable trip costs if you had to cancel your trip.

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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.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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You don't need to purchase travel insurance for every trip.

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Most schools require international students to purchase health insurance.

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