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Ask Our Specialists

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

Q:Hi,I would like to get insurance for dependents. I have chosen ExchangeGuard Essential Insurance. Is it possible to divide payment into quarters, i.e. to pay every 3 months?

A:
You can purchase insurance for 3months and then extend for whatever duration you want. Advantage of extending the insurance ExchangeGuard insurance
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Q:HI! I am going to buy Exchange Guard Choice for my J2 dependents. How can I find you whether this insurance can be used in particular service provider, I am interested in Children's Hospital New Orleans LCMC Health Pediatric care.

A:
The ExchangeGuard plan participates in the United Healthcare PPO network so you are able to search in network providers in your area by using the link provided to the PPO network search.
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Q:My parents have comphrensive travel insurance from Azimuth Risk Solutions. My mother, had to go to emergency because she got left side body stroke in the middle of night. She stayed in hospital for 5 days. I have spoken to Azimuth Risk Solution representative number of times and it seems they are going to cover all the medical expenses. But I am trying to find where can I find claims filed by Hospital / providers but I am unable to. Is there a website /log in to so that or its completely viewable to just Insurance company.

A:
In order to find out about specific claims filed under the policy to the insurance company, you would need to contact the claims department directly. Their contact information is located on the back of your ID card received at the time of purhcase. You can also locate this document in the My Account portal on the Insubuy website.
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Q:Hi, how is the emergency services covered in visitor insurance

A:
Plans are designed to cover any new accidents and illnesses that manifest after the effective date of the policy. You are able to visit may providers under your plan. You can find specific about your policy in the certificate wording for your policy located in the My Account portal provided at the time of purhcase.
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Q:Does safe travels usa comprehensive cover acute onset of pre-existing condition for insured under 80years and how much coverage does it have for a plan of 50000?

A:
The plan covers $35,000 for acute onset and if its cardiac related up to $15,000.
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Q:Hello,My 7 year old granddaughter is in the US on an F-1 Visa, starting school on Sep 07. My wife and I are looking for health insurance coverage, but are not clear on what would be the best plan to purchase for her.

A:
If she can obtain a domestic plan under a legal guardian here in the U.S., that would be our first recommendation. If not, you can find the available plans through this quote link: /international-student-insurance/ Please be advised these plans do not cover like our domestic coverage so waiting periods for pre-existing, no coverage for preventative care including vaccines and non sick appointment check ups. If you have any additional questions, please let us know.
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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.

Did you know?

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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