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Ask Our Specialists
All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I recently spoke with someone on the phone regarding for coverage for women who are currently pregnant. According to the representative, the policy would only be valid if the woman got pregnant while the policy was active. The policy would NOT be valid if the woman was pregnant prior (I believe in insurance vernacular that's a "pre-existing condition") to purchase of the policy. I read that "visit USA insurance" and "atlas insurance" offer travelers insurance for women pregnant. In short, I'm double checking if I can get a valid policy from either of these, altas or visit USA (are these subsidiaries of insbuy?) for my pregnant wife.
Q:My father (84) and mother (74) will be visiting us from September 7, 2019 through January 11, 2020. Although neither has any history of stroke or heart disease, we would prefer to get a visitor's insurance plan that covers pre-existing conditions for maximum peace of mind. Possibly looking at USD 50K to USD 75K in coverage value each. Can you suggest some policy options and premiums at the earliest? I'd like to make a purchase decision within the next few days well before they arrive in the United States on the 7th of September.
Q:I am an international student currently on OPT on F-1 visa. I am interested in buying health insurance but I would like to know more about pre-existing coverage, routine test coverage (like blood test for vitamin levels, thyroid test) for my plan. Can you please provide details about whether you have health insurance for students on OPT and details about what can be covered under pre-existing conditions?
Q:I want to make a plan from Atlas Essential. The total amount is nearly $1054. This is an 11 month package, I can not make a monthly package because of the visa status. Can we divide the price into three or four installment by making the payment with my credit card?
Q:I am a 34 year old female, non-US resident, who currently resides in Saudi Arabia and plan to travel to the US through a J1 Exchange Visitor Visa for a research trainee post which will last a year. I have typed in my details and got a list of available health insurance options. I would like to inquire/confirm if: 1) I am eligible for both the Atlas America plan and Patriot Exchange Plan? 2) Whether both plans fulfill the minimum requirements set by the Department of State for health insurance under J1 visa requirements which state "minimally acceptable insurance is: - 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 or her home country in the amount of $50,000 - A deductible not to exceed $500 per accident or illness 3)What is the minimum amount I have to choose as the policy maximum in both plans to fulfill the Department of State criteria? 4) Why is the deductible that has to be paid per entire policy period in the Atlas America Plan as opposed to Patriot Exchange plan where the deductible paid seems to be per accident/illness.
Q:My son (Australian) is about to attend Ellsworth CC in Iowa from August 18 till May 8 2020. He is on scholarship and will be playing basketball. He will have coverage through the school will he participates on the basketball team but needs general insurance in case he gets sick etc. We are looking at a basic coverage. my son has no pre-existing conditions.
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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.
Learn MoreWhy buy insurance from Insubuy?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling 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.
Learn MoreNew 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.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational 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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