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Ask Our Specialists

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

Q:Medical insurance for pre-exisiting conditions I am looking for medical insurance for my 17yr old daughter with a pre existing medical condition. She has Long QT Syndrome and had a cardiac arrest (not a heart attack) 3 1/2 years ago. She is on Beta Blockers and has a AICD fitted and has never has an episode since. We are unable to get medical coverage for her for a trip to the US from Australia in Nov/Dec 2011. Can we get coverage from you if we pay extra to cover a pre existing medical condition? We can get insurance if she breaks her leg or whatever but nothing to cover if she has to go to hospital for anything covering her heart, even if an accident knocks her defib or makes the wires loose. Any advice would be greatly appreciated. Kind regards Kathie

A:
Insurance for pre-existing conditions for visitors to the U.S. is not available. The best you can get is the coverage for an acute onset of pre-existing conditions, up to $15,000. Look at /atlasamerica-insurance/
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Q:Insurance for treatment Hi, my husband and I are looking for a type of insurance, if any,that covers non-u.s citizens. My husbands visa expired last may, he has'nt renewed it due to low on money, and he needs to go to the doctors to get a MRI as soon as possible. But being illegal I'm afraid that we wont find a type of insurance that will cover him, or accept. We live in virginia. Can you assist us of any programs that may be able to help? thank you and best regards. -

A:
There is no insurance that will cover your husband if he already need to go for some medical treatment.
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Q:question on health insurance I am a research scholar from China, and now I am studying in the University of Georgia for a year from August 1, 2011 to July 31, 2012(J-1 visa). then I want to buy regular health insurance from your company. So, do you have any suggestions to me about the purchase of health insurance? because I am not sure about which policy max I should choose, so which plan do you think is suitable for me to purchase according to UGA's requirement? And I also want to have a proof of health insurance to UGA for the Office of International Education after purchasing insurance. I am looking forward to your response. Best Wishes Zhao Yuanyuan the following are university's requirements: Insurance Must Cover: 1. Minimum coverage of $50,000 per accident or illness per person 2. Repatriation of Remains up to $7,500 3. Medical Evacuation up to $10,000 4. Must not exceed a deductible of $500 per accident or illness 5. Must pay 75% of covered expenses

A:
You can purchase either Study USA or Patriot Exchange plan. Here is the link for J1 visa insurance. Study USA brochure, instant purchase and other useful information, /study-usa-insurance/ Patriot Exchange brochure, instant purchase and other useful information, /patriot-exchange-program-insurance/ Link for all J1visa insurance, /j1-visa-medical-insurance/ If you have any further questions, please feel free to contact us. what are the formalities There are really no formalities. You can make an instant purchase online or over the phone.
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Q:Travelers health insurance I am looking for travelers health insuarnce dad - 71 long term diabetic , pacemaker mom - 60 , was diagonized for breast cancer abt 2 yrs back currently both are stable. I am aware pre-existing isn't covered. Can you advice what is the best option i can go for them

A:
One of the most popular plans is Atlas America. This a comprehensive plan, which is always recommended. Here is a link to the plan: /atlasamerica-insurance/
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Q:Visitor Medical Insurance Hi, I just talked with my existing insurance provide HDFC ERGO and found out that INTERNATIONAL SOS is there point of contact in USA. I am not sure how good INTERNATIONAL SOS is known in USA and what is there supported hospital list.Could you please help me with finding this information for the sake of comparisons? Thanks

A:
We are located in USA. We deal only with US companies NOT Indian companies. If you need any further information, please call our office at (866) INSU-BUY.
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Q:Civil liability insurance We are interested in purchasing travel insurance for a Schengen (France) visa. I understand from reading the details on your website that the medical insurance requirement for this Visa is satisfied by your insurance. However, I am unclear whether the "civil liability" requirement is also covered by your insurance policy. Please see item #13 for details: <a href='https://vancouver.consulfrance.org/spip.php?article409'>https://vancouver.consulfrance.org/spip.php?article409</a> Can you please confirm?

A:
That is referring to a property and casualty type insurance. This would not be covered under the medical insurance, you should speak to your auto/homeowners insurance agent.
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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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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.

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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