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Ask Our Specialists

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

Q: I was going over the insurance plans, with my husband, they exceed a bit our budget, we were wondering and reading through your website that it is possible to have separate insurance plans, maybe that will decrease a bit the price. My husband is on an F1 Visa, and I'm a dependent F2 visa. My husband entered the country 2 and a half years ago, and I entered a year and half ago. He is currently studying an MBA in Atlantis University, in Miami, Fl.

A:
The first step is to know what requirements your school will have on insurance if any. From there, we can go into what plans will cover. Please send a list of requirements for the school and then after we look them over we can call you and discuss the plans.
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Q:Does Atlas provide insurance for a cruise to Antarctica? My husband(72 yrs) and I (both citizens of India) are going on an Antarctic cruise on Hurtigruten's M.S.Midnatsol (Dec 9-21,2018).We will be accompanied by our son and daughter-inlaw who live in the U.S. I do not know whether Hurtigruten has a prescribed amount for medical evacuation, but I expect that amount would be in the region of $200,000 atleast Do you have insurance which would take care of the evacuation plus offboard activities like kayaking,camping, zodiac trips etc? If yes, what would be the cost for both of us ? Do let me know ASAP .Many thanks

A:
Thank you for your interest in purchasing insurance through us. Atlas International plan provides evacuation benefits up to $1mil. It provides the sports coverage as long as you are participating in amateur/nonprofessional sports and activities, unless it is excluded in the policy. Please find more information in the policy certificate wording page 22 at, /travel-insurance/ Atlas international brochure, instant purchase and other useful information at, Please feel free to contact us if you have any further questions while reviewing the policy details. Have a great week!
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Q:Hello! I am interested in buying travel insurance specific to our needs. My son (3 years old) and I (30 years old) will be traveling to the USA on December 12, 2018 - January 11, 2019. We currently live in Japan, but I am a US citizen and my son is a US/Japan dual citizen. My son has asthma, but it is stable and there has been no change in medication for approximately two years. I am looking for a plan that will cover him in case he has an asthma attack. He should be perfectly fine, but healthcare in the US is too expensive to take any chances. Could you please tell us our options? I am interested in Patriot GoTravel International. Would this work for us?

A:
We would be glad to advise. The plan we would recommend for you and your child, would the Patriot America Plus plan. It is a comprehensive plan that will cover U.S. citizens, as well as Dual citizens that include U.S. citizenship, while visiting. All plans for visitors on the market, cover new illnesses and new injuries that occur or manifest after the effective date. They do not cover preventative care, routine maintenance, or pre-existing conditions. The Patriot America Plus plan however, does include acute onset coverage. This benefit provides the possibility of coverage for acute onset of pre-existing conditions. If you have any additional questions, or need any additional assistance, please let us know.
{{currentOrigin}}/answers/visitors-insurance-usa/visiting-usa-citizens-with-pre-existing-conditions-69144/

Q:My mother-in-law is coming to US for about 6 months. Could you please provide me details for her insurance? Here are her details: DOB: 2nd Jan 1957 Date of Departure from India: 14th Nov 2018 Date of Arrival at Seattle: 15th Nov 2018 Date of Dep from USA: 11th May 2019 Arrival in India: 12th May 2019

A:
Patriot America PlusWe would recommend purchasing the Atlas America, or Safe Travels USA Comprehensive to have the Acute Onset Benefit since the Patriot America does not include that. To purchase, you can click on the purchase link for the plan you choose or you can call our office and purchase over the phone. Either way, it will be the same process same cost.
{{currentOrigin}}/answers/visitors-insurance/recommendations-on-comprehensive-coverage-66870/

Q:Hi there, I'm a Venezuelan mom traveling from Sweden with my 1-year-old son to the USA, he is an American citizen and I can't purchase an insurance with me because he is American... there is a special case? Thank you

A:
Thank you for your interest in purchasing insurance through us. Your understanding is correct. You can't do one application for US Citizen and Non US Citizen. You can purchase Patriot America for you and your son but you need to do separate application. If you provide your travel dates, age, which state do you need coverage and will be glad to send you quote by e-mail. Please feel free to contact us if you have any further questions.
{{currentOrigin}}/answers/visitors-insurance-usa/us-citizen-coverage-visiting-the-usa-23584/

Q:Can I buy the policy when I'm already in the US? I'm a visitor on an F2 visa.

A:
Yes, most plans allow you to purchase after you arrived.
{{currentOrigin}}/answers/international-student-health-insurance/purchasing-f1-policy-already-arrived-in-us-54684/

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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