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Ask Our Specialists

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

Q:I am applying for a J1 visa. My wife and I plan to buy health insurance. We have a question to consult. My wife is pregnant now, if she is in the United States, can she buy maternity insurance? could you give me some advice?

A:
Unfortunately, You will not find any plan in outside market which covers pregnancy if your wife is already pregnant. You can purchase insurance from your school or institute which will be very expensive for her.
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Q:I am currently studying in Cal state LA as international student. I need to buy health insurance. Can you please inform me if it cover for my school? Following are the requirements with my university. And I need insurance from August 1 2017 to july 30 2017. Have a deductible not exceeding $100 per illness or injury; Have unlimited medical benefit per condition Include an unlimited benefit for medical evacuation and repatriation; No waiting period for coverage. California Title IX Requirement: Pregnancy benefits for female student Policy must have a designated claims contact in the U.S.

A:
Unfortunately, there are no plans that we can offer you to meet your sponsoring organizations requirements. It is recommended that you purchase insurance from your university.
{{currentOrigin}}/answers/f1-visa-insurance/international-student-insurance-waiver-requirement-43537/

Q:10 days back my father had open heart surgery operation in USA. If i take insurance now... 1. Is there any deductible? 2. Does it cover medicines? 3. If yes, is there any deductible? 4. does it cover all pre-existing conditions? Can you suggest best insurance plan for my case? I am looking for insurance plan which have $0 deductible or less deductible.

A:
If you are just now taking the insurance then it will not cover anything for his current condition. So if he needs medication, additional treatment, or doctor's appointment there is no plan on the market that will cover these services. The plans will cover any new illness or injury that occurs after the effective date. If you have additional questions please feel free to contact our office.
{{currentOrigin}}/answers/visitors-insurance-usa/post-heart-operation-insurance-0-deductible-99424/

Q:Where is the best place for me to look for ACA compliant domestic long-term insurance for my parents (green card holder, but no USA employment)?

A:
You can visit www.healthcare.gov But you can't purchase insurance ACA compliant plan whenever you want. You have to enroll only during the enrollment period and you have to pay premium for whole year. You can't purchase insurance only for 3 months. You can purchase insurance from our New Immigrant section below: New Immigrant Insurance But, the insurance will pay only for new sickness, injuries or accidents that may occur after the eff. date of the policy. Please feel free to contact us if you have any further questions.
{{currentOrigin}}/answers/new-immigrant-health-insurance/aca-compliant-health-insurance-35737/

Q:I would have two quick questions about the application for the Patriot exchange program: 1) I was wondering if the required date in which I will move to the US can be approximate (I have not bought air tickets yet); 2) How long does it usually take for the application to be approved? 3) As I understand, after approval, I will receive a fulfillment kit at the mailing address. I was wondering how long this does usually take when going for an expedite delivery. (I am asking as I will leave the UK and go to Italy in about 20 days and I am trying to understand which mailing address I should specify on the form) Many thanks for your help and support.

A:
In the Patriot Exchange plan as soon as you purchase the insurance you will receive confirmation by e-mail. There is no underwriting so the application approves immediately. You will receive confirmation by e-mail. Which will have a link to print all the documents like id card, visa letter etc. You don't need to request for the express delivery. If you have a US mailing address that would be the best. Otherwise you can provide mailing address wherever you wants us to mail the documents. Please feel free to contact us if you have any further questions.
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/patriot-exchange-program-application-questions-50869/

Q:I am a Nicaragua citizen, 25 y.o, healthy looking for an insurance with the following: a.Minimum $250,000 accident and sickness medical benefits b. Deductible $250 to $500. Insurance company will pay 80% of the first $5,000 of eligible expenses, and then 100% of the remaining eligible expenses. c. Emergency Medical Evacuation-$25,000 d. Return of Mortal Remains-$10,000 e. Emergency Dental for accidents-$500 To travel to University of Miami for the whole month of June this year,

A:
Thank you for your interest in purchasing insurance through us. We have many insurance plan that meet your school requirements. You can purchase review the details of the Patriot exchange plan. You can also find additional plans at /j1-visa-health-insurance/ Please enter appropriate criteria. You will find many plans and you can also compare them side by side.
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/j1-visa-requirement-questions-47265/

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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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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