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Ask Our Specialists

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

Q:US citizen returning to USA insurance needed Hello, I am a U.S. citizen who is 27 years old. I am going to be in the United States from 2/5/17 - 4/5/17. The visit is temporary as I will be in between finishing a job in South Korea and beginning a new job in Japan. As such, I will not have medical insurance while during my visit to the USA. Am I eligible for a policy as a U.S. citizen? Can you please advise me as to which policy is recommendable? I'd like to note that I won't be needing dental insurance (I've gotten all work done in Korea), only medical insurance for peace of mind. Thank you.

A:
Thank you for your interest in purchasing from Insubuy. Here is a link in which you can select your citizenship for your visit to the U.S. /. Click the "search and compare" button and you will find the plans that are appropriate for a US citizen visiting the United States.
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Q:Travel insurance plan for senior Green Card holder Hello, My mother aged 75 currently holds Green Card and pre-dominantly resides in USA (Gaithersburg MD 20878) but shuttles between India and USA. We are currently looking at getting insurance for her while in USA. Can you please confirm if the Patriot Travel Medical insurance is appropriate for her or please suggest other options. She is diabetic but otherwise in good health. Roughly how much will a 1 yr cover cost? I read that this insurance does not cover in Maryland? If so can you suggest alternatives.

A:
Patriot America plan covers in Maryland but it is not available to purchase with Maryland address. /patriot-america-lite-insurance/ So if we purchase with her Indian address it will cover her while in USA? Yes.
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Q:Insurance question for visitor to U.S. Hello, My friend is coming to visit me in Florida and I would like to get her travel/medical/accident insurance. She is a citizen of Kosovo, but Kosovo is not in any of the drop down lists. How do you recommend we proceed?

A:
You can put Serbia. Hello, Thanks for your quick reply. Unfortunately, like many citizens of Kosovo, my friend is not willing to declare on any document that she is a citizen of Serbia. I'm sure you are aware of the political sensitivities as well as the personal losses suffered by many people in the conflict. Is there another solution for this? Can the section be left blank? Does your company intentionally omit Kosovo for some reason? Many thanks, Hello, It is not a company decision the underwriters of certain plans will specify only certain countries within a plan. It is possible that within the plan you selected they only recognize Serbia and not Kosovo as an independent country. There is a plan called Patriot America Plus that will allow for Kosovo to be selected. It is not possible to leave the citizenship blank on an application. For more information about this plan please use the link listed below. Patriot America Plus brochure & instant purchase link: /patriot-america-plus-insurance/
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Q:Travel outside of USA Insurance sir, i am Indian citizen and stay in India. I have to travel to Bangkok and China for my trip. My trip duration is about 12 days. I want to know if I can buy your company plan rounds trip international? Kindly reply to me so i can buy this plan I am so grateful to you. thank you

A:
Hello, Thank you for your interest in purchasing insurance through us. The plans you can choose from are the plans for travel outside of the US. /travel-health-insurance/ If you need additional assistance please feel free to contact our office.
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Q:Student Insurance M1 I am looking to purchase Health Insurance for my nephew who will be arriving in Florida at end of the month on M1 Visa for Flight Training in Miami. After going through your site I feel Atlas Plus or Patriot Premium are the best options However my question is that will his Medical Expenses if in a flying accident be covered? And any limitations on that or up to the Policy Maximum Additional costs for the rider We were thinking of a deductible of 250 and a maximum policy of 200,000

A:
Thank you for your interest in purchasing insurance through us. The Atlas plans and the Patriot plans will cover for any new illness or injury that occurs after the effective date of the policy. It will not cover an accident during flight training. It might be possible to have the Atlas or Patriot plans for the medical and then we can check with the underwriting department for our AD&D plans to see if they could offer coverage during flight training. We will need to know the age of your nephew and how long he would need the coverage to be able to confirm that it would be available. Also, how much coverage would you be looking for?
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Q:Application question for visitor insurance Hello, I am purchasing medical insurance for my parents who will be visiting me for a period of 5 months. My mother goes only by her first name, she does not have a last name. It looks like the online application will not proceed unless I enter a last name for her insurance. Can you please advise how to proceed in this case?

A:
Thank you for your interest in purchasing insurance through us. If she doesn’t have last name then enter LNU (last name unknown or undefined) Please feel free to contact us if you have any further questions otherwise you finish the application from our website at www.insubuy.com Have a great day!
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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.

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?

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

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Going on a vacation?

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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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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Most schools require international students to purchase health insurance.

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