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Ask Our Specialists

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

Q:American traveling to Japan: medical insurance needed I was looking into your guys health insurance plan Patriot Platinum Travel Medicine Insurance and I was wondering does that cover everything in Japan? Like dental or regular doctors? For example, If I get the 5 million coverage and choose $0 deductible what does that mean? Please give me an in depth detail example of how much I would pay upfront... Thank you.

A:
Thank you for your interest in purchasing insurance through us. Before we suggest any plan would like to know your citizenship, age, destination, how long do you need coverage and is there any insurance requirements? Once we get these information will be glad to suggest some insurance plan. Patriot Platinum plan is a short term medical plan it does not cover dental but it covers dental accident related emergency. Patriot Platinum brochure, instant purchase and other useful information, /patriot-international-platinum-insurance/ /patriot-america-platinum-insurance/ Please let us know if you have any further questions. I am American and I am 15 and I am traveling to Japan. But I am traveling without my parents and staying with my family in Japan but they do not know how to do things so I am taking care of it. I only need coverage till July 12. Some services I really need is dentistry. I have an abscessed tooth and I need root canal surgery in Japan. I have heard that root cancel surgery can be up to ¥1.5 million Japanese yen or ¥1,500,000. What plan should cover that? Any recommendation? I need this ASAP because I have heard infection can spread fast and can lead to death. The Patriot International plan will cover you medically for any new illness or injury that occurs after the effective date of the policy. Unfortunately, the plan is a medical plan and will not cover dental treatment. We do not have a dental plan that will cover you outside of the US. You can still purchase the Patriot International plan for medical coverage from the link below. If you need additional assistance please feel free to contact our office.
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Q:Kailash-Manasarovar travel insurance Dear Team, We are a group of 9 members going on Kailash, Manasarovar tour. The tour starting from Khatmandu is for 10 days. Please let us know, if you have an insurance cover for this tour. Thanking you,

A:
Thank you for your interest in purchasing insurance through us. You can purchase Atlas Group plan which is very popular plan for kailash Mansarovar Yatra. Brochure, instant purchase and other useful information, /kailash-mansarovar-yatra-travel-insurance/ Please feel free to contact us if you have any further questions.
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Q:Military student needs insurance to cover family visit to USA Hi, I'm military student at the army war college, I intend to bring my family to Carlisle from July 12, 2016 to June 11, 2017. my wife 36 y, my son 13 y and my daughter 7 y. I ask for the less expensive health insurance, For the military if there is a discount. Thanks for replying me ASAP.

A:
Thank you for your interest in purchasing insurance through us. For us to recommend a plan we will need additional information. What visa status will your family be coming on? Is there any requirements that need to be met? The lower cost plans will be the fixed coverage plans. Those plans will pay a fixed amount according to a schedule of benefits so if anything happens the majority of the cost will come from your pocket. For example, if someone needed to go to an emergency room, one plan would pay up to $330 and you would be responsible for the balance. The plan will pay a small dollar amount and the majority of the medical cost will be paid by you. The cost of the plans are regulated by law so it’s not possible to offer a discount. If you would like to speak with a licensed agent you can contact our office to discuss the available plans.
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Q:US citizen Request for new policy like previous year's plan My family and I are all U.S. citizens who currently live outside the U.S. We are, however, traveling to the U.S. this summer as we usually do and would like to purchase the same insurance coverage we had with your company last year (see attached email for details). Would you please help me enroll my family and me for coverage from 06 July to 04 August. Quite honestly, I find your webpage a bit complicated, but I liked the coverage we had last year. I look forward to your reply.

A:
Thank you for contacting Insubuy for your insurance needs. You can purchase online by clicking the quotes and purchase button in this link /safe-travels-usa-comprehensive-insurance/ or you can call our office and process the application over the phone. We will have the majority of your information from the previous purchase but do not keep your payment information on file.
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Q:Atlas America Insurance Questions I was looking at the plan “Atlas America Insurance� for four months, with the coverage amount of $100,000 and with a deductible of $0. I need a plan that also includes emergency medical evacuation/repatriation in the amount of $50,000 and return of remains $25,000 but I think this one includes these values. My questions are: 1. If I choose for instance a four month coverage, is it possible to renew it later (for example plus one month?) 2. The amount due at the end of application, for this plan and options is $393.60. Is it the total value that I have to pay for the insurance coverage or is it a value per month?

A:
Thank you for contacting Insubuy. You may renew the plan for an additional month. We will send you renewal notices via email, when you are within two weeks of the expiration date. The premium amount in the application is for the entire duration you entered. If you have any additional questions please let us know.
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Q:USA visitor Insurance questions Hello, I am looking to buy visitor health insurance for two visitors aged 59 and 64 for a period of two months in the state of New Jersey. We will be traveling to various states, including NY, PA, DE and MD. Can you help me in choosing a plan between Visitor care and Visitor secure. Also, will they be able to use the insurance in all the above mentioned states? Thank you.

A:
Thank you for your interest in purchasing insurance through us. Visitors Care and Visitor secure both of them are fixed coverage plan. Visitors Care deductible is per policy period while Visitor Secure is per incident. Visitors Care doesn’t have acute onset of pre-ex while Visitor Secure has. Both plan provide coverage any where in USA. You can compare these plans side by side at www.insubuy.com Please feel free to contact us if you have any further questions. Thank you very much for the information. I also wish to ask, do the visitors have to be physically present in NJ while I buy the policy, or I can buy the policy before they arrive? You can purchase before their arrival to cover their travelling time or You can also purchase after their arrival. There is no specific rule. Please let us know 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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