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Ask Our Specialists

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

Q:Please help me find right medical coverage for my parents who will be visiting me for few months . Based on the below details please recommend me good plan.My dad is 70 years old and have some preexisting conditions and my mom is 63 with no preexisting condition. I live in California so if any plan has state limitation please let us know Travel details - ( 03/01/2016) - (07/16/2016) Looking for comprehensive coverage policy with higher policy maximum. My dad's preexisting condition include blood clot few years back , had Angioplasty and Angiography. Currently on blood thinners and medication on Cholesterol. Border line Diabetes.

A:
Thank you for contacting Insubuy for your insurance needs. There are plans that would be available for your parents during their visit here into the United States. The plans available will cover any new accident or new illness that occurs after the effective date of the policy. Please use the link listed below to the recommended plans that would be available. For your father I would recommend a plan called Patriot America and for your mother I would recommend a plan called Patriot America Plus. If you have any questions please feel free to contact our office.
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Q:Read a lot of positive reviews about your company. I would be happy to buy insurance via your company if that's within my budget. I have generated a quote 101388 and would like to clarify few points. 1. Can I buy this insurance, as I am from India and visiting Japan and the insurance company is in US? 2. USD 50,000 is the insurance coverage. Is this per person or for the complete family of 5 for which the quote was generated? 3. Trip cost per person is 31775 INR which is roughly equivalent to 470 USD. I have entered 470 in Trip cost person is this correct or should this be revised to enter the amount in INR. 4. The quote amount is 159 USD. Is it per person or for the complete family of 5 for which the quote was generated?

A:
Please see the answers to your questions below. If you need additional assistance please feel free to contact our office. 1. Yes 2. Per Person 3. USD 4. The cost will be listed next to each person with a total of all at the end
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Q:I'll making a application for an insurance policy of IMG and have a question about it Does AD&D mean repatriation of remain in the event of death? Or Does common carrier accidental death mean it? If AD&D means it, how to upgrade option to $50,000 from $25,000(basic option) My requirements are as follows 1. Maximum coverage : at least $400,000 per year 2. Deductible : not to exceed $1,000 3. Medical evacuation in the event the insured must be returned to S.Korea due to a medical condition : $250,000 4. Repatriation of remains in the event of death : $50,000

A:
Thank you for contacting Insubuy for your insurance needs . The plans automatically have the repatriation benefit included within the policy without having to add it in addition. So without adding and additional benefits the plan as it is will already meet these requirements.
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Q:I would like to make payment by debit card, but there is only the credit card option on your site.

A:
You can use a Visa or MasterCard debit card. As long as your debit card has one of the logos it will work just like a credit card.
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Q:I would like to purchase a health insurance policy for my mother travelling from india to USA in Feb 2016. She will be staying here for a period of 6 months. I need policy that provides good coverage, pays directly to the hospital and is refundable if not used during the stay.

A:
Thank you for contacting Insubuy. We are a broker and offer all of the major plans on the market. In order to recommend a plan we will need more information. Can you please state the travel dates, age, and state your mother would primarily visit? Please use the link below to review the plan options available in the Visitors to USA section of our website. Majority of these plans are refundable, but you would only receive a pro-rated refund for the unused portion of travel minus a cancellation fee as long as no claims have been filed since the effective date of coverage. - Visitors Medical Insurance
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Q:My wife is in US visit visa. She lives sometimes in Boston and in Michigan as well. I am not sure if she is now pregnant or not. we might go for blood test or other test to confirm her pregnancy. Before I do it, is it possible for me to get an insurance for her? in case the test is positive, will insurance company cover pre delivery medical consultation and delivery or any other complications as well? I look forward to hearing

A:
Unfortunately there is no plan for visitors that will cover pregnancy or delivery. The Atlas America plan will offer coverage only for complications of pregnancy up to 26 weeks. If you need additional assistance please feel free to contact our office.
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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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