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Ask Our Specialists

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

Q:Insurance for dependant I am currently enrolled to a college(F-1 Student) but don't have a insurance at this moment. My wife(F-2 Visa) arrived here 2 months ago, now we are looking for an insurance plan for our protection. We are planning to have a baby sometime next year, and looking for a plan that can cover child birth. Please recommend a plan that can cover our health care and for the future baby. Thank you.

A:
Your dependents can purchase student insurance only if you are enrolled them in it too. Please look at /international-student-medical-insurance/ I have been looking through the search results, but can't really find the benefits on pregnancy. Please call our office at (866) INSU-BUY.
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Q:coverage for pre-existing condition Hello, I am a 22 yo girl from Italy, who will stay in the US for 2 years starting January 2015. I would like to be addressed to any policy that has coverage for pre-existing condition withh an awaitng period of less than 12 months. I talked to one of your agents on the phone and they told me there are some plans that offer coverage for pre-existing conditions after 6 months of continuos coverage, but I can't find any on your website. Thank you for your help. J.

A:
Thank you for your interest in purchasing medical insurance. What visa will you be coming to the US on? If student visa (F1 visa), what exactly are the school requirements? What state will you be coming?
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Q:Help me to choose the best Visitor Insurance Plan Dear Insubuy Team, My mother is travelling to USA on 6th December 2014 (India date) and will be returning back on 31st May 2015 (US date). She is 47 years old and having diabetes and she is taking medicines for the same. Now it is under control with medicines. Also she had undergore Varicose veins surgery in 2012. And now she doesn't have any problem with that. I looked at different plans and noticed that few comprehensive plans like Atlas America, Patriot America etc provide coverage for pre exisitng conditions. Please suggest me which insurance to take. Also I want the coverage during travel also, so which dates I should consider. Indian or US dates? Please suggest. Thanks, Anusha.

A:
Thank you for your interest in purchasing visitors insurance for your mother. 1. Both Patriot America and Atlas America are good plans. However, there is a difference in pre-existing conditions related coverage. Atlas America /visitor-insurance-acute-onset-of-pre-existing-conditions/ Patriot America /sudden-and-unexpected-recurrence-of-pre-existing-conditions/ As you can see from the above articles, you will see that pre-existing conditions related coverage is a lot broader in Atlas America compared to that in Patriot America. You can purchase it online at /atlasamerica-insurance/ 2. The coverage dates are according to the US Eastern Time. I hope that answers your questions. If you have any further questions, please feel free to post them here or contact us at any time.
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Q:New immigrant insurance pregnancy coverage Dear, We will move to boston (MA) in two weeks, my wife is pregnant running six months. We paid the immigrantion fee, and we should have the GC one month after our relocation to the states. should we subscribe for insurance that cover the pregnancy? or is there some pregnancy coverage by medicaid for new immigrant? Please advice on my request? Best regards Hichem

A:
We don't have any plans to cover pregnancy.
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Q:insurace plan Hello , i am an asylum in pending case , is there any whey to get affordable health insurance fore a family of four? Thank you

A:
Check out new immigrant health insurance plans.
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Q:dependent child coverage for recent hospitalization hi, I am a non-us citizen but my child is a u.s citizen, he was just discharged before thanksgiving. is the an insurance plan I can buy to cover these.

A:
Unfortunately, there is no insurance plan available to cover the hospitalization that already occurred. That would be a pure loss for any insurance company as they would simply be giving away the money.
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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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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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