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Ask Our Specialists

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

Q:I am a US permanent resident and Iranian citizen. I need an insurance for a trip to Germany and Austria. I have purchased before for Italy. I couldn't find all the benefits required this time in the plans. I need the medical evacuation, repatriation and medical expenses covered. I have used Patriot America before. I wanted to make sure i get the right plan. Thank you!

A:
Thank you for your interest in purchasing insurance through us. Earlier Patriot America plan was based on the Citizenship. There are some changes in that plan and now it's based on the Residency. So you can purchase Patriot International now because you have permanent residency in US. It meets all the Schengen visa requirements. Please feel free to contact us if you need any further clarification.
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Q:I bought the insurance Atlas International, and I know it is available for Schengen Area, but does it also work in Russia Area? Like in St. Petersburg, can I use this insurance as available one for Russian visa application?

A:
The Atlas International is the correct plan for Schengen area. It will work for Russia as well.
{{currentOrigin}}/answers/schengen-visa-insurance/will-schengen-insurance-cover-in-russia-14120/

Q:Dear Support, I am looking to purchase a new policy for international student health insurance. Please view the list of requirements for health insurance below for my university: University of South Carolina Insurance Requirements To waive out of the university-sponsored Student Health Insurance Plan, your health insurance coverage must: -Be effective as of August 1 for the fall term or January 1 for the spring term. -Extend through the semester you've waived out for, including breaks and holidays. -Allow you to receive services in South Carolina. -Give you unlimited aggregate maximum benefit per policy year per covered person. -Not have a pre-existing condition limitation. -Have an out-of-pocket limit per policy year that does not exceed $6,350 per individual and $15,000 per family. -Have a combined benefit of $100,000 for medical evacuation and repatriation of remains. -Provide the Essential Minimum Benefits required by the PPACA with no annual limits. -Contain no exclusions for pre-existing conditions. -Covers 100% of Preventive Care as defined by the PPACA -Required for all plans according to the Patient Protection Affordable Care Act: Ambulatory Patient Services Chronic Disease Management Emergency Services Hospitalization Laboratory Services Maternity and Newborn Care Mental Health and Substance Use Disorder Treatments (including behavioral health treatment) Prescription Drugs Preventive and Wellness services (including dental and vision) Rehabilitative and Habilitative Services and Devices Please let me know if you offer comparable plans, I will need coverage for myself (F1 student visa) and my wife (F2 spouse visa), please let me know if you need more information to obtain a quote.

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, there are no plans to meet your University's requirements as you require a plan which is Affordable Care Act compliant. We recommend purchasing through your University directly. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/f1-visa-insurance/student-insurance-waivers-university-south-carolina-54446/

Q:I am Indian and came to USA in Sep 2017 on J1 Visa and my university provided medical and repatriation insurance. Now I joined new institute and they provide only medical insurance whereas I need to buy medical evacuation and repatriation insurance. Being already present in the USA and not in my home country, am I eligible to buy medical evacuation and repatriation insurance while present in USA?

A:
We do have a Atlas MedEvac plan that you can purchase depending on the state you reside. You can check the Geographic restrictions to confirm eligibility in your state. If you have additional questions please feel free to contact our office.
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Q:My parents are on GC since 2013/2014. Doing 6 months stay every year when possible here in US. They will be eligible for Citizenship in 6 to 9 months. I have took atlas insurance until now but very recently came to know that it may not cover GC holders.

A:
As long as they are coming to the United States for a visit and are not eligible for Medicare they can purchase a plan called Patriot America Plus. This plan will cover the new accidents and new illness that happen after the effective date of the policy. You can see additional options here: Visiting with a Green Card insurance
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Q:Hello, I am going to leave Switzerland (where I currently live) on 17.8.2018. I am officially de-registered from this date and will have no more health insurance, accident insurance or third party insurance. When I arrive in Spain my insurances will not be set up yet because I need to organise my paperwork before any of this can be organised. So I would like a temporary insurance that covers health, accident and third party for a couple of months to get me through this window of time. Can you offer me any insurance for this? I have seen your travel insurance option. Does this work for me? I am unsure whether it will work because my permanent address will no longer be in Switzerland. Many thanks

A:
Thank you for contacting Insubuy for your insurance needs. The plans in the travel outside of USA section will be appropriate for your situation. You will still use your Switzerland address since that was your residence before leaving for Spain. If you have additional questions please feel free to contact our office.
{{currentOrigin}}/answers/international-travel-insurance/insurance-coverage-for-moving-to-spain-24935/

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.

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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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