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Ask Our Specialists

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

Q:We have now a new domestic worker/Au Pair She would need the same kind of insurance as our previous Au Pairs. Can you please help us.

A:
We were able to locate the policy information for your previous Au Pair. They had a Patriot America Plan, with a $100,000 policy maximum and a $250.00 deductible. I have attached the plan links below for you to access the plan information for the 2 Patriot Plans we would recommend, one with an acute onset benefit option, and one without. I have also attached the link to our website's FAQ about acute onset, to explain what that benefit is, for you to determine if you would like a plan that includes it. Each page link has a quotes and purchase button for you to use, to enter the Au Pair's specific information for whom you are needing coverage, to find out the cost of coverage: Patriot America Patriot America Plus Acute Onset FAQ
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Q:We are canadians looking at Safe travel multinational trip protection for trip to armenia, georgia and azerbaijan. Is there a set number of days-we are looking at 35 days and we are 73 and 71. Our flight has a $300.00 cancellation fee so can we just insure that amount as our non refundable costs to get pre-existing waiver (realize have to purchase within a time). We book hotels which are refundable. Do you cover heart problems You can purchase the Safe Travels Multinational Tip Protection plan but you are required to insure the total trip cost not just the nonrefundable cost. The pre-existing condition waiver is available on the plan however you have to purchase the plan within 30 days of your final trip deposit.

A:
You can purchase the Tip Insurance plan but you are required to insure the total trip cost not just the nonrefundable cost. The pre-existing condition waiver is available on the plan however you have to purchase the plan within 30 days of your final trip deposit.
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Q:Good afternoon, my wife and I are coming to the US from the UK on an E2 Visa, accompanied by our 13 year old daughter. How do we arrange a quote for medical and health insurance please? I look forward to hearing from you. I arrive 1 April on an E2 Visa. This will be for at least 2 years and most likely 5 years. We are living in North Carolina. I have no idea how do I establish if I am available for domestic insurance. I really am a neophyte in this so happy to receive some information.

A:
You would need to check with your state market place or the department of insurance for eligibility on domestic insurance options.
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Q:So I'm a Chinese citizen who live in the U.S with F1 visa and wanna buy an insurance for Germany tourist visa. I noticed there is a section called "important dates", which one needs to provide the leaving and returning date from home country. I'm confused since I'm leaving from the U.S and will return to the U.S, but U.S is not my home country. what shall I write?

A:
Your home country is where you live and would receive mail. If you are leaving the United States and returning to the United States and have a mailing address here you would list the United States as your home country. So you would use the dates that you will depart and return to the United States since you currently live in the USA.
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Q:I am applying for J1 visa for one year. I want a health coverage for the entire year. What will be the cheapest plan? Can I pay in a monthly bases? Kindly, find the here under the university requirements: Minimum levels of health insurance coverage must provide: 1. medical benefits of at least $100,000 per illness or accident 2. deductible not to exceed $500 per accident or illness 3. expenses associated with medical evacuation in the amount of $50,000 4. repatriation of remains in the event of death in the amount of $25,000 5. Coverage of pre-existing conditions after a reasonable waiting period 6. Co-payments that do not exceed 25 percent The corporation underwriting the insurance policy must have one of the following ratings: 1. an A.M. Best rating of "A-" or above; 2. an Insurance Solvency International, Ltd. (ISI) rating of "A-i" or above; 3. a Standard & Poor's Claims-paying Ability rating of "A-" or above; or 4. a Weiss Research, Inc. rating of "B+" or above https://isso.ucsf.edu/scholars/current-scholars/j-1-scholars/health-insurance-requirement

A:
The lowest cost plan that meets the requirements below is the ExchangeGuard Essential with a 12 month waiting period for pre-existing conditions. That plan will require the full payment if you need the coverage for a year. Another option is the StudentSecure Budget, also with a 12 month waiting period, but offers a monthly payment option. Please see the links for more information about the plans.
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Q:I am J2 visa is your ExchangeGuard Choice plan meeting the U.S. Department of State's DOS's minimum requirements?

A:
Thank you for contacting Insubuy. The ExchangeGuard plan does meet the standard J1 visa requirements. You may purchase this plan online by using the link provided below or over the phone by contacting our office at (866) INSUBUY. Please let us know if you have any additional questions.
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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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