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Ask Our Specialists

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

Q:I am flying to US by next month. I used your insurance liaison international policy. I am Egyptian women of 62 years old. I am recently diagnosed with sleep apnea with a prescription of Cpap. I am asking if I wanted to get the cpap from USA, would that be covered by this insurance. What are the required papers

A:
Thank you for contacting Insubuy. Unfortunately, the Cpap prescription would not covered. Short term health insurance plans for visitors are designed to cover new illnesses, injuries or accidents which occur after the effective date of the policy. They will not cover pre-existing conditions, routine doctors visit's or prescriptions due to a pre-existing condition. If you have any additional questions please let us know.
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Q:I'm exploring medical insurance for my son and his wife and 7 children, who are citizens and residents of the UK. They are staying in Redding in California, on a student Visa M1 for my son (and M2 for the others) until end of May next year. We are looking for basic all round medical insurance for the whole family for this period. All the family are healthy and well with no known conditions, except for one 9 year old child. She had a successful operation as a baby to fix a 'hole in the heart'. Here are the details: - Tetralogy of Fallots - Expected to need further surgery in coming years - Does not currently suffer any symptoms Can you help?

A:
Yes, there are plans available which will provide coverage to individuals on an M1/M2 visa. Before purchasing you may want to verify the plan will meet the University requirements if there are any specific requirements. Most plans will plans will not provide coverage for a pre-existing condition until the policy has been in force for either 6 or 12 months. Unfortunately, there is no plan available which will provide coverage for a pre-existing condition immediately after the effective date. The Study USA, and Patriot Exchange Program plans are two of the more popular plans in the students section of our website. You may view these plans and purchase by using the links provided. You may also purchase over the phone by contacting our office at (866) INSUBUY. If you have any additional questions please let us know.
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Q:I am looking to purchase travel insurance from your company and I am not sure how to fill in the forms. I am a British citizen currently residing in Brazil. In December I will travel back to the UK for two weeks, and then fly to Florida for one week, before returning to Brazil. I need insurance to cover me for the entirety of this trip. The first question on your insurance form asks for my 'home country', which I understand is the country I was born in and is therefore the UK. However, your website says that cover is not provided within your home country. As a non-resident of the UK, I need travel insurance when I visit. Can you advise me whether you can provide the cover I need for my trip? Is my home country now considered Brazil?

A:
As a resident of Brazil, Brazil would be considered your "Home Country" as this is where your true fixed permanent residence is. Plans are designed to cover you anywhere outside of your home country. You would run a quote in the Travel to USA section of the Insubuy website since a portion of your trip would include travel in the United States. Please use the link listed below to generate a quote for coverage.
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Q:Intersted to obtain a comprehensive insurance policy for someone on a valid Visitor Visa B1/B2 visiting the US. Do you have coverage with any of the following comprehensive/PPE network policies? Cigna Empire BCBS Magnacare Multiplan/PHCS Oscar Oxford Poco UHC/Oxford United Healthcare I am interested if the above policies are covered (accepted by the potential healthcare provider I am considering seeing).

A:
Please be advised that the all of the PPO networks that you have listed are domestic PPO for domestic insurance plans not available to a visitor in the United States. Domestic plan are for resident or US citizens a visitor is not eligible to enroll into a domestic insurance plan like you have previously listed. There are some short term plans that will participate in the First Health PPO network or the United Health Global PPO network depended upon the plan selected. These plans will not offer coverage for pre-existing conditions, routine doctors visit, preventative care nor any immunizations. Please look at our Visitor Medical Insurance section to view plans available.
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Q:I am a new patient and would like to enroll in the new plan with ExchangeGuard Essentials. I was wondering for the locations of medical centers around me. Can you please provide me the list of medical centers so I can choose the nearby one for me ?

A:
The ExchangeGuard Essential plan does have a PPO network that it participates called the UnitedHealhcare PPO Network. This plan will cover any new accidents on new illness that happen after the effective date of the policy. Plans do not cover an pre-existing conditions (12 month waiting period) , routine doctors visits, preventative care nor immunizations. This plan is available to individuals that are in the United States on a valid J or F visa (including OPT). You can use the following link to perform a provider search in your area to find in network providers: ExchangeGuard PPO Network Search If you need any additional assistance please contact our office.
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Q:I wanted to get dental coverage I understand the below plan (Atlas Travel) only covers for Dental if there is any accident. Can I get a coverage in case I visit Dr. for any Dr. visit if I have any pain on my tooth.

A:
While there is no short term dental insurance plan we do offer the Careington Dental/Vision discount plan. If you need additional assistance please feel free to contact our office.
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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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