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Ask Our Specialists

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

Q:International Student Insurance, Florida Hello, I hope this email finds you well. I am from Honduras, I will start a master degree at Florida International University FIU, Florida, USA on August 2016 as an international student, and I am writing to you to request information about your medical insurances plans. I am 27 years old.

A:
Thank you for your interest in purchasing insurance through us. We have many plans that is available for an international student. Can you please send your school requirements or compliance form in pdf attachment so that we can suggest some plan that meets your school requirements. YOU can also visit our F1 visa insurance section at, /international-student-medical-insurance/ Please enter appropriate criteria. You will find many plans and as per my understanding for FIU. You can purchase either Study USA FL or Student Secure Select or Elite plan. Please feel free to contact us if you have any further questions.
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Q:F1 Insurance needed Hi Insubuy, I am going to be an international student from this September in UCI (CA). I am looking for the insurance plan meets the following minimum required coverage as cheap as possible: Unlimited benefit per Policy Year 1. The deductible does not exceed $75.00 per injury/illness 2. $ 50,000 Minimum coverage for Evacuation Expenses to your home country if necessary 3. $ 25,000 Minimum coverage for Repatriation of Remains to your home country in case of death Here's my info: Visa:F-1 No allergies, disabilities, medical conditions, or medications. Looking forward to hearing back from you ASAP.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Navigator Student plan with $0ded. Navigator student brochure, instant purchase and other useful information, /geo-blue-navigator-student-insurance/ Please review this and if you have any further questions feel free to contact us.
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Q:My husband and I have been traveling the US and abroad and are looking for a plan that covers us in both areas. We were in Europe for 6 months this year and then came to MI and then will probably go to another state the beginning of 2017. But wherever we are I would like to have the same coverage, not to have to have 2 plans. Do you offer that? We are from MI, moved to NC so my license is NC and then have a mailing address in WA so going through the marketplace has not been as helpful. I am a US citizen, we have been spending most of our time in the US and Europe. We are looking for a coverage plan that we don't have to change, whether we are spending 3 months in MI visiting family, in another state or in Europe for 3 months at a time. We don't have a permanent address now. What is the penalty for not being compliant?

A:
You may purchase the Global Medical Insurance plan if you reside outside of the U.S. for 6 months or more. This plan can provide coverage worldwide. Please use the link provided to review the plan details, and purchase. If you have any additional questions please let us know. Please contact your tax advisor to determine your penalty amount for not having an Affordable Care Act Compliant Insurance.
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Q:I am looking to purchase travel insurance. Will I be able to receive the proof of insurance through email? Flat mail will be too slow..

A:
Thank you for contacting Insubuy for your insurance needs. Typically you will receive a confirmation email that will include the virtual copy of your documents within 30 minutes of your purchase. The virtual documents will be sufficient for use. If you have any further question please contact our office.
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Q:F1 insurance for a student Hi, I'm looking for insurance for my son, Australian, 17 years old, and will be studying full time and playing intercollegiate soccer at Jefferson Community College, Watertown, NY. He will initially require cover for one year with possibly extending to 2 years. We require comprehensive cover which will cover him, his personal property, travel, injury, sickness etc. We would prefer cover which has no excess payable when making claims. Hope you can help.

A:
Thank you for contacting Insubuy for your insurance needs. Please provide the visa type that your son will be arriving into the United States on as well as any requirements that the college may have for insurance that need to be met. Upon receiving this information we can properly recommend a plan for coverage. Thanks for getting back to me. My son has an F1 visa and will be arriving in the US on 31 July. Jefferson Community College has a health care plan but I'm not sure that it covers him for the entire time that he's in the US. I'm still trying to get some answers from them about what he's covered for. We require a comprehensive insurance and preferably one where we don't need to pay an excess when my son makes claims. I look forward to hearing back from you. You can purchase Student Health advantage Standard or Platinum plan if there is no requirements from school. Student Health Advantage brochure, instant purchase link, /student-health-advantage-insurance/ There is no plan exist that will cover 100% without any out of pocket from your side. Please let us know if you have any further questions.
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Q:International Student Insurance Hi, I am trying to find medical insurance coverage for my 17 year old son to travel to USA from Australia to study at miles community college in Montana for 2 years. he will be playing baseball and it seems that is not covered. is that correct. I don't know what will be the best policy for us. He has to have this coverage before the school issues the i20 so he can then apply for his F1 visa.

A:
Thank you for contacting Insubuy for your insurance needs. There are a few plans that will work for your con while he is here in the United States studying. Please forward any requirements that the University may have for insurance that may need to be met. Upon receiving this information we can make a proper plan recommendation. We are looking at coverage from 1 Sep 16 to 30 June 17. the university (Miles Community College, Montana) stated that he needs to have "medical insurance coverage". There are no other details or listed requirements. He will be playing baseball for the college and I understand that it will not be covered by these policies. I have just tried to buy the Student SMART plan for $387.84 but it comes up with this message "If the proposed insured is physically located in the Country of Australia during this quoting session, then the purchase of this policy is prohibited and must be cancelled by clicking the cancel button. Otherwise, please click next." I need to get this insurance asap so the school can issue the I20 so we can go to the US Consulate to apply for the F1 visa. Can someone please help me get the right insurance for him so we can get his I20 happening? That’s correct. You can’t purchase any of the Student secure or Study USA plan if the insured person is physically located in Australia at the time of application. You can purchase Student Health Advantage plan or Patriot Exchange plan. Patriot Exchange brochure, instant purchase link, /patriot-exchange-program-insurance/ Student Health Advantage brochure, instant purchase link, /student-health-advantage-insurance/ You can compare these plans at, /international-student-medical-insurance/ 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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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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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.

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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