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Ask Our Specialists

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

Q:I am looking for health insurance plans that can cover pre-existing conditions, specifically congenital heart defects. I am a non-US citizen and non-resident - I'm from Hong Kong, and permanent resident here. Please do let me know if you have some information regarding this.

A:
Thank you for your interest in purchasing insurance through us. Insurance for an international visitor covers for any new sickness, injuries or accidents that occur after the insurance effective date of the policy. It will not cover any preventive care or routine maintenance for pre-existing conditions. Some plans provides coverage for an acute onset of pre-existing condition. If you provide your age, arrival date in US, which state you need coverage in as well as travel dates and will be glad to send you quote via e-mail. Meantime, please visit our Visitors to the USA section. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
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Q:My family has been in the Philippines since 2006 as missionaries. My children were born and raised here. This year, my 12 year old son (US Citizen) is going to live with his grandparents and go to school in Illinois. Would you have an affordable insurance that I could get for just him?

A:
If he will be moving to the US long term then we have National General STM plan: National General You can click on Quotes & Purchase to see what they offer based on his date of birth and zip code. If you need additional assistance please feel free to contact our office.
{{currentOrigin}}/answers/other-insurance/us-citizen-short-term-health-insurance-plan-16135/

Q:I'm from MSSTATE University. Please find the attached pdf for our school recommended health insurance and let me know which of your plans will match with ours so I can go ahead and buy it. The plan they accepted must have no maximum amount on medical benefits and no pre-existing condition clause. And there must be coverage for medical evacuation and repatriation coverage.

A:
The plan they offer is a domestic plan and there is no plan you can purchase that will compare outside of that plan You would need to purchase the plan they offer to be able to meet their requirements
{{currentOrigin}}/answers/international-student-health-insurance/health-insurance-for-international-student-ms-state-university-requirements-37319/

Q:Do you have any insurance plan that meets both J visa and the following requirements? "no less than an 80%/20% benefit plan for inpatient, outpatient, surgical procedures, and mental health"

A:
You can purchase Study USA Preferred 500 as it will meet those requirements.
{{currentOrigin}}/answers/exchange-visitors-health-insurance/insurance-plants-that-meets-j-visa-requirements-and-80-20-benefit-plan-86286/

Q:Is there any significant difference between the First Health PPO Network and the United Healthcare PPO Network?

A:
They are both very extensive networks. So there would not be a vast difference as both will have many providers included.
{{currentOrigin}}/answers/visitors-health-insurance/ppo-network-coverage-in-visitors-insurance-69976/

Q:I am a customer of yours. I will be traveling to USA from Aug 28 till Sep 12.and I am an Armenian citizen.Do you carry travel insurance that also covers car rental excess?

A:
Thank you for contacting Insubuy. We do not offer any car insurance unfortunately.
{{currentOrigin}}/answers/other-insurance/car-insurance-coverage-in-visitor-insurance-38726/

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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