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Ask Our Specialists

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

Q:I need help in knowing which Insurance to buy for my dad who is visiting from India. He is 69 now. He will turn 70 here. He already has pre-existing conditions like twice heart Attack, Diabetes, Thyroid issues. So, want to make sure i learn about the right plan coverage and then bring him here.

A:
Thank you for your interest in purchasing insurance through us. Insurance for an international visitors covers for any new sickness, injuries or accidents that may occur after the effective date of the policy. It does not cover any pre-existing or preventive care. However, We have some plan that provides coverage for an Acute Onset of pre-existing Some insurance plan will not cover acute onset of pre-ex as soon as your dad turns 70 yrs. While we have couple of plans which will have same policy max. and acute onset of pre-ex as long his insurance is effective before he turns 70.You can purchase Patriot America Plus plan or Atlas America plan. Please find the major difference between these plans here. If you provides his travel dates will be glad to send you quote by e-mail also. Please feel free to contact us if you have any questions while reviewing these plans.
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Q:I'm inquiring about travel health insurance. I have CAD that has been fixed with a bypass operation and a stent. Graphs and stent are patent. My doctor has cleared me for the trip. I will be spending 3 weeks in Germany. Would I be covered under the unexpected outbreak or recurrence of a pre-existing condition with your policy?

A:
Thank you for contacting Insubuy for your insurance needs. If your purchase a plan that offers that benefit and an incident occurs that meets the definition then yes you could be covered based on that. The ultimate decision is made by the claims department based on the medical records. If you need additional assistance please feel free to contact our office.
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Q:I am a citizen of Yemen, I live in the United Arab Emirates and hold a work residency there, and I'm planning to go paragliding in India for 11 days between March and April. I was not able to find the full policy for review on your website form so I'm wondering if your insurance covers paragliding for a client such as myself? Also it was not clear if I should list UAE or Yemen as my home country, since I do not have a PR there.

A:
Thank you for contacting Insubuy for your insurance needs. We have a plan that will cover hazardous sports and more information can be found here. You can read more information and get a quote for the plan from that link. You can put either your country of citizenship or the country where you live as your home country since both would qualify. If you have additional questions please feel free to contact our office.
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Q:I am an international student on OPT status and would like to buy a health insurance for me and my wife for 60 days starting 5th March. I request you to please suggest me a best suitable health insurance plan with a quote so that I can go ahead and buy it online.

A:
I have attached the quote link for the plans that can be suitable for someone on OPT. You may review the available options by entering in your specific information in the quote screen and it will provide you plans and quotes that you would be eligible for. - OPT Medical Insurance If you have any questions or need any additional assistance, you can contact our office directly at 866-INSUBUY and one of our licensed professionals can assist.
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Q:I am currently an au pair in the USA and my agency asks me for a medical insurance that have the following requirements: Medical coverage minimum 100 000 USD Medical expenses due to accident or illness: USD 100,000 Medical evacuation to home country: USD 50,000 Repatriation of remains: USD 25,000 Deductible not to exceed: USD 500 per accident / illness Third party liability: USD 500,000 I would like to know if you have any medical insurance that meets all the requirements. Thank you very much for your help, any information is appreciated.

A:
Please look at our J1 visa insurance plans.
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Q:We are interested in buying travel medical insurance for our parents, who are US Green Card holders. They are currently in their native country, the Philippines and only planning to stay 3 months in the USA on their next trip. On your website, we saw different plans under Visiting with Greencard. We are interested in getting the Patriot America Plus. We would like to make sure that this travel medical insurance is right for them. They are 63 and 68 years old. Also, can I purchase the plan on behalf of my parents?

A:
Yes, that is the right insurance. You can buy it online at /green-card-holders-visiting-usa-insurance/. Yes, you can buy it on behalf of your parents.
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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.

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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