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Ask Our Specialists

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

Q:Atlas America coinsurance question My mother is landing in WA at 4 PM PST 23rd Feb. Can I buy ATLAS America for her? For the usual claims, what is the probability to have 100% covered via the In Network direct Billing (where 100% is covered) in this plan? Or is it a trick and people usually end up paying 20% of the bill?

A:
Thank you for your interest in purchasing insurance through us. Yes. You can purchase Atlas America plan for your mother as long as she is not physically located in WA at the time of application. Most of the time if you go within PPO network provider send bill directly but sometime some dr. office may ask you to pay upfront and for pharmacy there is no network so that is always considered as out of network. If the person needs major hospitalization hospital will send bill directly. We have never seen for any insured that hospital asked to pay upfront that means it will be 100% coverage after the deductible. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please feel free to contact us if you have any further questions.
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Q:US citizen travel insurance My daughter has the above travel insurance which will expire April 30, 2016. She will be in UK until end of May 2016, travel in Europe a couple of weeks in June. She will comes home to visit San Francisco for a couple of weeks before leaving for work in Vancouver, Canada in July 2016. 1. Will she be able to extend the cover for May & June while overseas. 2. Which insurance should she have in the US for a couple of weeks in June. She is a US citizen. 3. Can she buy another travel insurance to cover her while in Canada for a couple of years.

A:
1. YES 2. LIAISON CONTINENT- Brochure, instant purchase link, /safe-travels-usa-comprehensive-insurance/ 3. WE RECOMMEND PATRIOT INTERNATIONAL- Brochure, instant purchase link, /patriot-international-lite-insurance/
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Q:Purchasing insurance online fulfillment I've been trying to purchase travel insurance from your website but I see no option to receive all the forms digitally. I get the following choices (see below): Fulfillment and Information Delivery Method After the application is approved, the Insured Person will receive a fulfillment kit which includes an IMG Identification Card, IMG contact information, Claim Forms and the insurance certificate describing the Insured Person’s rights and benefits under the contract. (X) I do not mind the delays associated with receiving via regular mail and prefer to receive a paper copy of the fulfillment kit to mailing address listed. ( ) I prefer expedited delivery of a paper copy and wish to pay for this service (20.00 USD). Please forward my fulfillment kit to the mailing address listed via overnight carrier. Both of these options seem to involve sending all the forms and documents by regular mail. How do I choose to receive everything to my email address? I do not wish to receive anything by regular mail. Is that possible?

A:
You can select regular mail as you will automatically receive virtual documents immediately after purchase. If you need clarification please feel free to contact our office.
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Q:Pre-existing conditions coverage for my mother I have doubt about my mom's insurance, when she was here from July 1 st 2015 to Sep 30 2015, i took Liaison Continent A. once i took her to doctor for one prescription. After i claimed that money. this insurance company said they cant give. they wont conclude this as preexisting condition. Now i have to take her again to USA from April 2016 to August 2016. Now she has hernia also. she is managing using belt. So i don't know which plan to choose for her. Please help me. If i took her to hospital, insurance should cover the doctors visit at least. Please help me to find good health insurance for her condition.

A:
Thank you for contacting Insubuy. However, there is no plan on the market that will cover for any expenses related to pre-existing conditions. The plans are designed to cover the new accidents and new illness that occur after the effective date. So in the event there needs to be a visit for her pre-existing conditions this is something that she will have to pay for out of pocket. Any of the comprehensive visitors plans will be suitable for coverage please review the recommended plans listed below. If you have any questions please feel free to contact our office. Patriot America Plus brochure & instant purchase link: /patriot-america-plus-insurance/ Atlas America brochure & instant purchase link: /atlasamerica-insurance/
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Q:Medical Insurance for Non US citizen I would like to know the best policy for my mother of age 79 without any pre-existing issues starting from 20-Feb to 19-Aug. Please provide me information regarding policies and coverage.

A:
Thank you for your interest in purchasing travel medical insurance for your mother. One of the good plan is Patriot America. Brochure, instant purchase link, /patriot-america-lite-insurance/ Or You can purchase any of the comprehensive plan from our website at www.insubuy.com If you are looking for some plan which provides acute onset of pre-ex. You can also narrow by plans with pre-ex coverage and compare them side by side. Please feel free to contact us at any time if you have any questions.
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Q:Skydiving in USA coverage I am already in the states. My insurance expired recently and I couldn't renew it. I am Canadian and will stay here till the 26 of February 2016. I would like to cover myself with a medical insurance from now to then so I can skydive with peace of mind. Is it possible to subscribe to an insurance if I'm already here?

A:
Thank you for contacting Insubuy for your insurance needs. It is possible to purchase insurance while in the United States. There is a plan called Atlas America that will cover you for adventure sports at no additional cost. Please use the link listed below for more information about this plan. If you need any further assistance please feel free to contact our office. Atlas America brochure & instant purchase link: /atlasamerica-insurance/ I have a similar situation to the person above. I checked the Atlas America plan and it says "Hazardous Sports - Recreation: Included. See policy wording for specific exclusions". I'm not able to find the policy wording specific to the sports exclusions anywhere. Could you please guide me? Thank you for contacting Insubuy for your insurance needs. It is possible to purchase insurance while in the United States. There is a plan called Atlas America that will cover you for adventure sports at no additional cost. Please use the link listed below for more information about this plan. If you need any further assistance please feel free to contact our office. Atlas America brochure & instant purchase link: /atlasamerica-insurance/ Certificate wording for Atlas America can be found at /atlas-america-insurance/coverage-details/
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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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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?

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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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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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Most schools require international students to purchase health insurance.

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