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Ask Our Specialists

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

Q:Yes I am J1 holder. There are some requirements. I copy them. First about the insurance company, is your company? The insurance policy must be underwritten by an insurance corporation having an A.M. Best rating of "A-"or above, an Insurance Solvency International, Ltd. (ISI) rating "A-" or above, a Standard & Poor's Claims-Paying Ability of "A-" or above, a Weiss Research, Inc. rating of "B+" or above, or such other rating services as the Department of State may from time to time specify. Second about the policy; Currently the Minimum insurance coverage must provide: - Medical benefits of at least $100,000 per accident or illness; - Repatriation of remains in the amount of $25,000 - Expenses associated with the medical evacuation of the exchange visitor to his/her home country in the amount of $50,000 - A deductible not to exceed $500 per accident or illness Could you advise me a plan and price about my insurance?

A:
We are a broker and offer a majority of the major plans on the market. It looks as though you are just needing to meet the basic requirements for the J1/J2 visa. You will be able to find and get quotes for plans at J1/J2 visa insurance. All the plans offered are from US companies will cover any new injury or illness that manifests after the effective date of the policy. Please let us know if you have any additional questions.
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Q:We are a couple who works in China and would like to travel to Portugal and Morocco for 22 days. We are South African residents. Do you have a plan that could cover both areas of travel?

A:
Travel medical insurance plans will provide coverage to you anywhere outside of your home country. This includes Portugal and Morocco. We'd be happy to recommend a plan for your situation, but first we will need additional information. We would be able to provide you with a quote if you would advise the dates of coverage needed and ages of the individuals. Alternatively, you may view plans and get quotes here.
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Q:I am looking to buy health insurance policy for my parents. What is the difference between Atlas America and Atlas premium america. My mom is 75 yrs. old and my dad is 83 yrs. old. What would be a good comprehensive policy with coverage for pre existing conditions. My dad is 83 but is very healthy and has no medical issues. I need around $100,000 from January 10th to April 12th. 2020. Deductible can be $2500.

A:
Please view the comparison for Atlas America and Atlas Premium America here. Please understand that all the plans on the market are meant to cover new injuries and new illnesses that manifest after the effective date and will not cover any type of pre-existing condition, preventative care or routine maintenance. With that being said, some plans have the Acute Onset benefit within the plan and that might serve as beneficial to you. You can see more information regarding that here. Since your parents are in separate age groups, you would need to do separate applications for them. You may view plans and get quotes for them here.
{{currentOrigin}}/answers/visitors-health-insurance/atlas-america-atlas-premium-america-comparison-and-pre-existing-coverage-13687/

Q:Hi there, I am looking for health insurance for me and my wife. I am German citizen 37 years old and she is New Zealand citizen 27 years old. We currently planning to move to USA and once we receive our Green cards and we are looking for an immigrant insurance for 365 days stating from 01.01.2020. We are looking for an insurance plan which would get refunded in case our Green card is getting declined.

A:
Thank you for your interest in immigrant visa health insurance. Immigrant visa applicants can visit /new-immigrant-insurance/ Once you enter the relevant information, they would see the prices for various insurance options along with their plan benefits and restrictions. They can also compare them side by side and make an instant purchase. In many plans, they can print the visa letter (confirmation of coverage letter) immediately. The entire application process is online and quick. The insurance can start as early as the next day or any future date you specify. I hope that is the information you are looking for. If there is anything additional we can help you with, please feel free to contact us at any time.
{{currentOrigin}}/answers/new-immigrant-insurance/new-immigrant-coverage-cancellation-85650/

Q:Hi there, I am looking for health insurance for me and my wife. I am German citizen 37 years old and she is New Zealand citizen 27 years old. We currently planning to move to USA once we receive our Green cards we are looking for an immigrant insurance for 365 days stating from 01.01.2020. We are looking for an insurance plan which would get refunded in case our Green card is getting declined.

A:
Thank you for your interest in immigrant visa health insurance. Immigrant visa applicants can visit /new-immigrant-insurance/ Once you enter the relevant information, they would see the prices for various insurance options along with their plan benefits and restrictions. They can also compare them side by side and make an instant purchase. In many plans, they can print the visa letter (confirmation of coverage letter) immediately. The entire application process is online and quick. The insurance can start as early as the next day or any future date your specify. I hope that is the information you are looking for. If there is anything additional we can help you with, please feel free to contact us at any time. Have a great day!
{{currentOrigin}}/answers/new-immigrant-medical-insurance/new-immigrant-coverage-with-refunds-49654/

Q:My family and I are traveling to Denver for a Christmas holiday and we are in need of medical insurance. We are planning on going skiing and it will be the second time my children have been skiing, so we felt it necessary to protect ourselves medically. My children are 16 and 22 years old. Do I have to do a separate policy for my son, as he is above the age of 18?

A:
Thank you for contacting Insubuy for your insurance needs. As your son is 22 he is considered an adult and will need to have his own policy. The rest of the family can go on one policy . If you have any additional questions please contact our office.
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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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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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