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Ask Our Specialists

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

Q:I am an American citizen who has lived outside the US for 25 years. Therefore I do not have medical insurance for the US. I will travel there for 10 days. Can you provide me with coverage?

A:
We do have plans that can cover a U.S. citizen visiting the U.S. who resides outside the country. If you are 70 years of age or older we would recommend the below plan: /patriot-america-lite-insurance/ If you are 69 years of age or younger then we would recommend this plan: /patriot-america-plus-insurance/ Please let us know if you have any additional questions, or need any further assistance.
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Q:In USA safe travels there is a limit of 15k for cardiac, for onset of pre existing conditions. And compared to general ICU charges, this cover ll get over within 3 days. In that scenario, can the insurance cover air ambulance to India at least till 25k using the provisions of Medivac.

A:
I want to clarify that the $15,000 for cardiac is for an Acute onset of a pre-existing condition. If something happens due to a pre-existing condition, and it meets the definition of an acute onset, the insured would be eligible for that level of those benefits. That benefit would have nothing to do with anything related to Medical Evacuation benefits. If someone were to fall ill here in the U.S. or become injured Medivac benefits do not automatically transport the insured back to their home country and it is not something that would be requested by the insured. First the Medical evacuation benefit can transport the insured to the nearest medical facility that can appropriately treat them and then if for some reason the attending physician recommended they should be transported back to their home country the insurance company would then review the physician recommendation and determine if it would be appropriate. If the patient can receive appropriate medical treatment here in the U.S. it would be unlikely they would be medically evacuated to their home country. I hope this clarifies these 2 benefits and answers your questions. If you have any additional questions please let us know.
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Q:Wanted to know if Medivac can cover Air Ambulance cost from US to India upto 25K as per policy statements. My visitor holds insurance in India, and would rather like to travel back to India in emergency condition. Please confirm, as our policy buying decision is based on that. We are considering between Atlas America and Safe travels insurance comprehensive plans .

A:
The medical evacuation benefit would be used in the case they insured is needing to be transported to the nearest comparable care center. Please let us know if you have additional questions.
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Q:I have three questions about insurance buying: 1. Could you please tell me what is the waiting period? 2. ExchangeGuard Choice with 6 months waiting period and ExchangeGuard Essentials with 12 months waiting period what is the difference? 3. Are there any pre-conditions for buying this plan?

A:
The ExchangeGuard Choice plan has a 6 month waiting period and the ExchangeGuard Essential plan has a waiting period of 12 months for pre-existing conditions. This means that after either 6 or 12 months coverage you will be able to use the benefit of $500 with regard to pre-existing conditions. There are no pre-conditions to purchase. Please let us know if you have additional questions.
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Q:Insurance for Dual Citizenship Living in Philippines I have Canadian/UK dual citizenship and am living in the Philippines. Can you provide a quotation for long term insurance. I do not expect to travel to the USA anytime soon.

A:
As we have several plans available, please look at /expatriate-health-insurance/ If you have any further questions, please let us know. Good question. I'm US citizen, and I'm living in the Philippines also. I'm a bit confused about health insurance, because it depends on employment, and I don't currently know where or how much I'll be working.4 Regards, onplanners
{{currentOrigin}}/answers/other-insurance/insurance-for-dual-citizenship-living-in-philippinesi-have-canadianuk-dual-citizenship-and-am-living-39467/

Q:I will be moving to Canada next month, and i just received my Canadian permanent residency card. i plan on leaving my job here in america, which means i will lose my employer's health insurance. will your style of travel insurance work until i get my Ontario provincial health insurance card? or does your insurance only work if i am also covered under a plan in America?

A:
Thank you for contacting Insubuy for your insurance needs. You may purchase the Patriot International plan to cover you until you are eligible for insurance in Canada. Please use the link provided below to view the plan details and purchase. You may purchase over the phone by contacting our office at (866) INSUBUY.
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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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