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Ask Our Specialists

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

Q:Insurance for USA, Canada, and UK Hi - I want to buy insurance for my parents who are traveling to London, San Francisco and Canada - do the insurances on your site cover all three locations or only US? If there is any that covers all three, please let me know. Thanks!

A:
Thank you for your interest in purchasing insurance through us. Yes. Most of our plans are international plan will provide coverage anywhere in the world except their home country. So when get quote on our website at www.insubuy.com Please select coverage are international including USA then you will get plan that provide coverage UK, US and Canada. Please enter appropriate criteria at www.insubuy.com you will find many plans and you can also compare them side by side. If you have any further questions feel free to contact us. Have a great day!
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Q:Insurance for visiting Mother I work & live in USA under L1 VISA. Currently I am based in Providence RI however in June I will shift to Nashville, TN I would like to buy Insurance for my mother who is visiting me from India : Gender : Female Nationality : Indian Resident of India Arrival USA : 23rd April, 2016 Departure from USA : 30th July, 2016 She will arrive at Newark Airport on 23rd April and will stay with me in Providence will 24th June On 24th June we will move by road from Providence RI to Nashville TN and then on she will stay with me in Nashville till 30th July. On 30th July, she will fly to Newark to take her flight back to India I have filled up required information to get a quote (in attachment). I would like you to kindly clarify on below : - Is this cover applicable in the whole of USA ? - Is the cover comprehensive ? - In case of any doctor consultation (medical), will I need to pay any down payment (or Co-payment) or full amount is paid directly by Insurance to the medical doctor or Institute ? - Is insurance also covered for transit during travel by road or by air within USA ? - Does the Insurance also cover for any type of hospitalization ? - Does the Insurance also fully cover the payment of amount for medication directly to the medicine store in USA ? - Does the Insurance also cover in case of any accident (due to someone else fault) ? - Does the Insurance also cover in case of any natural health issue (personal health) or damage due to any natural accident (eg. she falls down, etc..) ? Kindly advise on above so that I can buy

A:
Thank you for your interest in purchasing insurance through us. Answer for your questions below: 1. Yes. This plan will provide her coverage anywhere in the world except India. There is no state restriction as long as you purchase insurance before her arrival in USA. 2. Atlas America plan is comprehensive coverage plan. 3. There is no co-pay in any short term plan. Please read How Atlas America plan works with example, /atlas-america/visitors-insurance/ 4. Yes. As long as insurance is effective and coverage start by US EST at 12:01AM. For car accident this insurance will be secondary to any other insurance. 5. Insurance will pay for whatever treatment medically necessary as long as it’s not pre-ex or preventive care. However plan has coverage for acute onset of pre-ex. More information, /visitor-insurance-acute-onset-of-pre-existing-conditions/ 6. For pharmacy there is no network so you have to pay then file claim for reimbursement. Plan will pay after the deductible 80% for first $5000 of medical expense. Prescription drugs should not be related to pre-ex and preventive care medicine. 7. Secondary to any other insurance coverage. 8. Plan will pay for any new sickness, injuries or accidents that may occur after the insurance effective date of the policy. PPO network link for Atlas America plan, /travel-and-student-insurance-ppo-network/ Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please feel free to call our office if you have any further questions. Have a great day!
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Q:US citizen in Poland, Insurance Hello, For the last three years I have had insurance through your company. My current policy can be extended just a few days past the expiration date 5 May 2015. I am a 60 year old American citizen living in Poland. I am in need of only major medical insurance coverage for Poland and when I travel. I am in the States no more than 6-8 weeks out of the year. I cannot afford an expensive policy, but I need one that will be there when I truly need it. I have never filed a claim with your company. I am healthy. I take only low dose blood pressure medicine and medicine for my hypothyroidism. I would appreciate it if you could let me know what my options are for my needs. Thank you very much!

A:
Hello, You can actually renew your current plan for up to two years. You will have to renew for the few days to complete your first year and then you can renew again for another year. Based on the cost of your current plan, it would be the lowest cost option and will cover you in Poland and during travel but will not cover you in the US. The other plans we offer are in our expatriate section and will cost more. I will send you a quote for the expatriate plans, worldwide coverage excluding the US, for your review. If you have additional questions please feel free to contact our office.
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Q:Coverage confirmation Hello I just bought insurance from the website, does that confirm coverage or are there more steps?

A:
Hello, You will receive a confirmation email after completing your purchase that will contain your policy documents. After making your purchase there is no additional steps that you must take.
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Q:Atlas America visitors health insurance plan Hello- I plan to buy the atlas america plan for my family that is to visit us in Seattle soon. I intend to buy the plan for a month and then renew it every month. My father plans to go back to India after 3 months and come back in a month or so. Can I still renew his plan after roughly a 30 day gap or do i need to get a new plan all over again?

A:
Thank you for contacting Insubuy for your insurance needs. If a policy expires it is not possible to renew the plan you would have to purchase a new plan upon reentry to the country. Atlas America plan you have to purchase before their arrival in state of WA. In short, insured person should not be physically located in WA at the time of application. Atlas America brochure, instant purchase link, /atlasamerica-insurance/ Please feel free to contact us if you have any further questions. Have a great day! I do not see it in your brochure but is massage therapy covered under this plan? Hello, Physical therapy would be covered for any new injury not massage therapy. If you have additional questions please feel free to contact our office.
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Q:Personal Liability Benefit Insurance Rider I am trying to buy visitor medical insurance for a visit to US/Canada. don’t understand what this Optional Personal Liability Benefit Rider. Appreciate a description of what it covers. Thanks Bala

A:
More information on Person Liability, /atlas-america/international-travel-medical-insurance.pdf On page 27. 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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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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