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Ask Our Specialists

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

Q:Hello, I am an American citizen living abroad. I have lived in Rwanda the past 5 years. My husband and I are about to have our first child this August. Most basic medical treatment is available here, but I am looking specifically for major medical insurance for our child. From all prenatal appointments, he is set to be a healthy child, this is simply planning for worst case scenario, the kind you hope you never face. There are basically three categories of major medical care that we would need to travel abroad for: heart surgery, transplant of any kind, and cancer of any form. I am looking just for a major medical plan, and if possible, just for our child. Also, I'm willing to furnish any proof of his good health throughout pregnancy, and, presumably at birth. Right now, I'm just trying to get a basic idea of what's available and what cost we are looking at. HIghest deductible would be best as we would not use this for minor medical procedures.

A:
There is no plan on the market that you can purchase that will work for this. Most plans will start coverage only after the child is a couple of weeks old and if there is already a situation that you want taken care of in the US the plan would not cover it since it would have been existing at birth. Plans will not cover pre-existing conditions. If you have additional questions please feel free to contact our office.
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Q:Do you have any plans that meet Thomas Jefferson University F1 insurance requirements?

A:
We have reviewed the requirements from your university website. They require you to purchase a domestic plan to be able to waive their plan. You will have to purchase from the university to meet their insurance requirements. If you have additional questions please feel free to contact our office.
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Q:My 17 year old daughter will spend one year as a foreign exchange student in the Columbus Academy high school in Columbus / Ohio starting from 20 August 2018. We are living in Warsaw Poland. Would it be possible to buy student medical insurance for my daughter in your company for the period starting from 15 August 2018 - 30 June 2019? I have doubt as your website quite clearly refer to foreign students of colleges and universities.

A:
If she is coming to the US on F visa, you can purchase the insurance in our F visa link below: International Student Insurance Please feel free to contact us if you have any further questions.
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Q:Greetings, I am a doctor from Croatia and I will spend 3 months on a fellowship in USA this autumn. On your website I found the information about Patriot Exchange Program Medical insurance. My question is, if I am going to buy the insurance through your website do I need to have a mailing address in USA, or you can send me the documents in my home country? Kind regards

A:
Thank you for your interest in purchasing insurance through us. In the Patriot Exchange Program plan you can select mailing address as your home country or whichever address you wants us to mail the card. As soon as you purchase insurance you will receive confirmation by e-mail which will have a link to print id card and other important documents. Please feel free to contact us if you have any further questions.
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Q: I am from India. I wanted to know if you offer any pregnancy and child birth related insurance coverage for travelers visiting the United States. Please note that I am not pregnant right now but I'm in the phase of planning a baby and I want to have my delivery done in the US. Kindly send me the links to insurance plans that can help me cover the child birth and what best can be done.

A:
Thank you for contacting Insubuy for your insurance needs. There are several plans that will be available to your visitors while in the United States. Please be advised that the plans will cover the new accidents and new illness that happen after the effective date of the policy. Plans will not cover pre-exiting conditions, routine doctors visit, maternity or any delivery related expenses. Plans will cover the new accidents or new illness that happen after the effective date of the policy. There is one plans that will cover pregnancy complications for the first 26 weeks if pregnancy but the cost of maternity or delivery is still not covered. The name of this pan is called Atlas America and would be recommended for coverage for both individuals traveling. Please use the links listed below for more information about this coverage. Pregnancy Coverage FAQAtlas America If you have any questions please feel free to contact our office.
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Q:I just want to find out if you have offices in South Africa, and contact details for your office in south Africa.

A:
We don't have any office in South Africa. We are based in US. You can visit our website www.insubuy.com Please send us an e-mail or call our office at (866)INSUBUY and any our our licensed agent will be glad to help you to select the rsuitable insurance plan as per your need.
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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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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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