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Ask Our Specialists

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

Q:Parents medical insurance HI, My parents are visiting us for 6 months arriving from India - 20March 2011 Departing to India 11Sep 2011 1933 1943 Looking for a comprehensive policy for their stay here. Can you send me some options. and also what are the formalities to be completed.

A:
Good morning. Thank you for your interest in purchasing insurance through us. We provide insurance from many companies. You can purchase Atlas America plan. If you go Atlas America with $50,000 coverage with $250 deductible form 03/20 to 09/11 Premium for your father would be $1408.00 and for your mother would be $976.80 Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please review this and if you have any further questions, please feel free to contact us. Link for view all plan for visitors, /visitor-insurance/
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Q:Unable to buy insurance Hi - I was trying to buy patriot insurance at 12.32 am today 2/1/2011. I got following error. My credit card infromtion is correct. Can you let me know what is the issue? The following errors occurred during processing - Reason: Do Not Honor (Response Code: 05) Unfortunately, we were unable to process your payment

A:
Please give us a call at (866) INSU-BUY. We can try to process the application over the phone. When you get this error there may be two possibililies. 1. There may not be enogh money on credit card 2. If the amount is large sometime credit card company hold the transaction. You have to call your credit card then they will release the transaction and then you can try again. If you still get the error, please call our office we will be glad to help you.
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Q:International student insurance We are looking for Medication insurance as you discussed with him. We went through the Policy details. It seems very beneficial. Before purchasing the plan I have some quarries : Is INSUBUY itself a insurance company or it is mediator firm? If it is a mediator firm then under which company's policy we will get insured? And If we pay yearly then, do we get any discount on $ 461.00. If not can we go with half yearly payment? will it cost the same ? Thank you very much for your kind assistance.

A:
Thank you for your interest in purchasing international student health insurance. We, Insubuy, are insurnace brokers and the insurance company for Study USA-Healthcare is The Insurance Company of State of Pennsylvania (217 years old), member of Chartis, formerly AIG. It is an excellent insurance plan. Price is $38/month for students up to the age 24 years, as many months as you like at a time. Whenever you apply or renew the insurance, there is $5 renewal fee. Subject to that, you can either purchase for 12 months or 6 months or any duration you prefer. You can purchase it online at /study-usa-insurance/ If you have any other questions, please feel free to contact us at any time. Thank you for your kind response. Actually we are three friends to take this insurance. We all can pay yearly premium as you suggested to avoid $ 5 app fee on renewals. So what can be the further procedure to purchase the policy. Is there any other terms and conditions apply to policy while claiming the insurance ? Do you need any medical records from our side? If we are purchasing three policies, company offers any discounts ? You can purchase the insurance online at /study-usa-insurance/ There are no medical records requried. You will get the instant confirmation in the email, that's it. The terms and conditions are described in the brochure at /study-usa-healthcare/student-health-insurance/ and in the policy wording at /study-usa-healthcare-insurance/sample-documents.pdf Unfortunately, we are prohibited by law to offer any kind of discounts. Please let me know if you have any other questions.
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Q:Require information for student insurance I got i-20 from Oklahoma University(U.S.) for fall 2011 but i am really confused about the Health insurance.Could please help me out which insurance should i buy??? Should i buy from india Or U.S. Regards,

A:
Thank you for your interest in purchasing international student health insurance. It is definitely advantegous to buy from the U.S. You can look at any of the plans available at /international-student-medical-insurance/ Particularly, Study USA Health care is a good plan. Please let me know if you have any other questions. Wat should i enter in end date??? The date when you would like to end the coverage. As per ur knowledge should i go with 6 month or year?? Whatever your school requires. look i admitted for 3years in Oklahoma university for fire and safety engineering. plz suggest sum plans @wat is ppo?? You can buy one year at at time. You can buy Study USA Healthcare. It is a PPO plan. /study-usa-insurance/
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Q:Eligibility for reside blue insurance To whom it may concern I am a South African citizen and I am currently working on a private motor yacht in the Caribbean, I would like to find out if i am eligible for the reside blue insurance plan.

A:
Thank you for your interest in purchasing insurance through us. Yes, you are eligible for Reside Blue insurance. Reside Blue brochure, instant purchase and other useful information, /marine-crew-health-insurance/ Please review this plan and if you have any further questions, please feel free to contact us. Thank you for the reply I have one further question regarding hazardous sports. I am a PADI scuba diving instructor and have diving liability insurance which shouldn't influence the health insurance. I am how ever a member of Divers Alert Network(DAN) and i do currently have an insurance policy with them which only covers me if i am involved in a diving related injury. Does reside blue consider diving a hazardous sport even if i do it professionally? and would my DAN membership have any influence on the reside blue health insurance? I look forward to your reply. Kind regards If you are PADI certified, it is not considered to be a hazardous sport. You can purchase the Reside Blue plan, but we would encourage you to keep your DAN policy, due to the following exclusion: Injury sustained while taking part in flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, fire fighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing or any experimental purpose, kite surfing, mountaineering where ropes or guides are normally used, hang gliding, parachuting, bungee jumping, racing by any animal or motor or motorcycle, rodeo, snowmobiling, skiing/boarding by snow (except for recreational downhill and/or cross country skiing) or water, potholing or caving, whitewater rafting, scuba diving, involving underwater breathing apparatus - unless PADI, NAUI, YMCA, SSI or PDIC certified, and i.) Diving without properly maintained, appropriate, working diving equipment; ii.) any diving below 40 meters; iii.) any type of cave diving; iv.) solo diving; v.) any air travel within 24 hours of diving or any diving within 10 hours of any air travel; vi.) diving by any Insured Person(s) under the age of 12 or over the age of 65; vii.) diving while suffering any Illness causing an obstruction to the sinuses or ears or diving while medically unfit to dive; viii.) Treatment of any condition that worsens or requires additional Treatment due to diving. Please let me know if you have any other questions. You can purchase it online at /marine-crew-health-insurance/
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Q:Atlas America Visitor's Insurance I am not a current customer but I had a question about the Atlas America Visitor's Insurance. I'm not entirely sure if this is the place for me to ask a question but it's the only thing I found where I can ask. I am considering purchasing visitor's insurance for about a year. However, what I'd like to know is whether the insurance helps with prescription drugs if it is an existing prescription? There are certain medications I have to keep filled while I'm out of the country but I don't see anything that specifically states the prescriptions can or can't be existing ones. So I was wondering how that worked exactly.

A:
Prescription medicines needed for ongoing pre-existing condition medical conditions are NOT covered. I suggest that you bring enough supplies with you from your home country or pay for it yourself in the U.S.
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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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