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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I am interested in purchasing travel insurance for my parents.They will visit US for several months and they are non US citizen.I want to know which insurance should I purchase and what is the coverage?
Q:I live in Maryland - and the new requirements are a little confusing. I am looking at the Atlas Comprehensive plans. I understand the part that says that if the parents are already in the US, you cannot buy this plan, My parents are not here yet. My question is about renewals - they will be here for 6 months and I would like to buy this in 3 month increments. Will this Maryland requirement cause a problem with the renewal i.e. if I buy now for 3 months (prior to their arrival), when I try to renew, will there be an issue as at that point, they will already be here in Maryland. Should I just buy it for 6 months right now ?
Q:I will be in the US on a J-1 Short Term Scholar visa at Thomas Jefferson University in Philadelphia, Pennsylvania, USA, for 4-5 months this year. Would you be able to provide me with details on the most basic policy that you offer, which meets the J-1 requirements of the US Department of State and Thomas Jefferson University
Q:My husband is coming to USA as a J1 research scholar and we need a health insurance for our family that meets the J1 compliance form requirements. Those requirements are: Medical benefits of at least $100,000 per accident or illness Repatriation of remains in the amount of $25,000 Expenses associated with the medical evacuation of the exchange visitor to home country in the amount of $50,000 A deductible not to exceed $500 per accident or illness Includes coverage for perils inherent to the activities of the program in which the insured participates. In our case, the program is Research in information systems (office work with a computer). The insurance corporation must have an A.M. Best rating of A- or above, an Insurance Solvency International, Ltd (ISI) rating of A- or above, a Standard Poor's Claims-paying Ability rating of A- or above, a Weiss Research Inc. rating of B+ or above. Our program dates are 4/21/2016-8/15/2017. I understood that you offer the policy for one year at a time and it is easily renewable. I also understood, that for example Atlas America offers plans that are refundable. Our family has five members, me (born 1977, J2 spouse), my husband (born 1966 J1 applicant), and three children (born 2004, 2007, 2015, J2 children). Any of us does not have permanent illnesses/medical problems. Is it possible to customize deductibles if we take a family plan? My husband for example is fully covered by an insurance taken from our home country (Finland), but the insurance company did not want to fill the compliance form. So he needs the insurance mainly because of the compliance form paperwork requirement. For him the deductible could be $500. Other family members would prefer lower deductible ($100). We would like to get an offer for the insurance for one year. We would like to pay it full (no monthly payments). If you need US credit score ratings, those are also available and are very good (I do not know if it lowers the payment). I will also attach the J1 Scholar Alternate Health Insurance Compliance form as an attacment. The University needs this paper filled by the insurance company. Would it be ok to get this filled if we select an insurance from you?
Q:I along with 4 other members of my family intend to visit USA & are needing to take visitors medical insurance coverage.
Q:I am a visiting scholar in University of South Florida (J-1 visa). I am trying to purchase an insurance plan on insubuy but I am not sure if the plan meets the requirement for the school. Could you please help me check it? The plan must have medical benefits of at least $100,000 per accident or illness, repatriation of remains in the amount of $25,000, expenses associated with the medical evacuation of the exchange visitor to home country in the amount of $50,000, & a deductible not to exceed $500 per accident or illness. By the way, I am wondering if it is possible to start the insurance from 03/15/2016 since the school requires to start insurance from the date of entrance. Thanks for your help.
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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.
Learn MoreWhy buy insurance from Insubuy?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling 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.
Learn MoreNew 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.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational 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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