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Ask Our Specialists

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

Q:Insurance for my stay in US on M1 visa Hi I am here on a M1 visa undergoing Flight Training. I need Medical Insurance for the period of my stay here. I need a plan which will cover all medical illness, accidents and death. Also can you give me more information on plans covering Dental and Eyes.

A:
Hello, Are you looking for coverage while in flight training or just a medical plan for outside of the flight training? Well I need a plan which will cover all my medical expenses in the US. Is Atlas America applicable for me? The Atlas America plan will cover for any new illness or injury that occurs after the effective date of coverage. It will not cover for any accident or injury sustained while in flight. Hi I have purchased Atlas America plan with Certificate number A914... It will cover me during my stay here except for flight training right? I have a separate insurance for my flight training. Good morning. Thank you for your business with us. Please let us know if you have any further questions. Have a great day!
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Q:I'm interested in buying patriot exchange insurance to start from next February. What does the Adventure Sports Rider addition cover?

A:
Thank you for contacting Insubuy for your insurance needs. Attached is the document for the adventure sports coverage under the Patriot Exchange Program. If you have any additional question please feel free to contact our office.
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Q:F1 visa insurance needed I want to buy travel cum medical insurance for my son - date of birth 26 Sept 2000... nationality Indian currently living in Mumbai India he is going to Harvard USA to attend a summer program mid June to early Aug. his onward journey is 16 June 2016 and returning back to India on 7 Aug 2016 please calculate and quote premium for hi,m. what are the benefits covered and how fast can we receive the insurance card?

A:
Thank you for contacting Insubuy for your insurance needs. Please provide the visa type that your son will be traveling to Harvard on so that a proper plan recommendation can be made. If your sons sponsoring organization has requirements for insurance please forward those as well so that we can ensure that requirements ( if any ) are met. Upon purchasing you will receive virtual ID cards and policy documents within about 15-20 minutes in an email that are sufficient for use. If you need any further assistance please feel free to contact our office. It is F1 visa. medical insurance can be bought independently by student or he can opt for the medical cover given by Harvard for a payment of USD 200. What is mandatory to be covered in medical is not mentioned..so considering basic minimum sum insured please suggest a policy covering travel and medical... Duration of his travel is 53 days. If there are no requirements set by the University that has to be met he ca purchase a plan called Patriot Exchange Program. This plan will cover any new accidents or illness that occur after the effective date of the policy. Please use the link listed below for more information about the plan and to generate a quote for coverage. If you need any further assistance please feel free to contact our office for assistance. Patriot Exchange Program brochure & instant purchase link: /patriot-exchange-program-insurance/ You can find other qualifying plans for coverage using the following link: /international-student-medical-insurance/
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Q:insurance for international student I am an international student. I would like to purchase the plan of visitors care. Is it a travel insurance? ( I cannot buy a travel insurance for my study) My age is 34. The period would be from Jun 17, 2016 - Dec 31, 2016. Please see attached the requirements from my school on Health Insurance Waiver form. ( It seems that the requirements are the insurance from a US-owned company and headquarter is in US.). I checked that UCLA extension that they do not have a strict benefit coverage. Can you check if the plan is eligible according to my school requirement? Is the rate is $123 for above period since it states $123 for this period? Another question: If I would like to buy insurance for OPT later, may I know if this plan can cover OPT as well?

A:
Thank you for your interest in purchasing insurance through us. The Visitors Care plan is a fixed coverage plan and is very basic. The plan will pay a fixed dollar amount and if anything happens the majority of the cost will come from your pocket. It also doesn’t offer a PPO network since it’s a limited benefit plan. Since there is not many requirements listed then it will be up to you if you decide to purchase this plan. We have a section on our website that has plans for students /international-student-medical-insurance/ and you can enter the information and see more plans. You can also contact our office and discuss your options with our licensed agents. /study-usa-healthcare/foreign-student-insurance/ May I know if this plan is eligible for me and meet the requirement from my school? Thanks. Yes, the Study USA plan would be a good plan and it also has a network of providers. If you have additional questions please feel free to contact our office. Thanks. /study-usa-healthcare/student-health-insurance/ I would like to ensure again if this company for this plan is US-based company and headquarter is in the US? After I purchase it, may I know if I will receive confirmation or ID# that I can provide to my school? Yes, this is a US based company, the plan is administered in MI. You will receive policy documents that you can provide to the school. Thanks. May I know if the school do not accept the plan (if we can meet the requirement on the wavier form, it should be fine), can I refund? The plans are refundable please see the following link to the refund policy for the Study USA plan. If you have any further question please feel free to contact our office. Study USA Cancellation policy: /cancellation/study-usa-healthcare-insurance/ I am about to buy the plan and I would like to know what "Pre-Existing Condition Waiting Period" means. I currently have an insurance coverage from my school; and the end date would be 21 June. Does it mean that I cannot start the new plan from your company on 20 June? Please advise. Thanks. The Pre-existing condition waiting period means the plan would not provide coverage for a pre-existing medical condition until the policy has been in force for either 6 or 12 months. The waiting period may vary depending on the plan you choose. If you have any additional questions please let us know.
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Q:OPT health insurance I am going to start OPT next week and I need to buy the health insurance. What insurance plan is suitable for me? Or can I have Patriot Travel Medical Insurance as my OPT health insurance? Thank you.

A:
Thank you for contacting Insubuy for your insurance needs. We are a broker, and offer all of the major plans on the market. In order to recommend the appropriate plan we will need to know more information. Can you please provide your state, age, coverage dates, how long you have resided in the U.S., and the name of your previous insurance? If you have any additional questions please let us know. You may also receive a plan recommendation by contacting our office at (866) INSUBUY. I am living in Rhode Island now since 8/30/2014. My birth date is Jan/11/1990. The coverage starts from May/9/2016 to Apr/24/2017. I used to have United Healthcare and it expired on Mar/7/2016. Thank you. Thank you for providing the requested information. Unfortunately, you would not be eligible to purchase the Patriot America since your previous insurance was with United Healthcare. We would recommend purchasing the Student Secure plan. You may use the link below to review the plan details, and to purchase online. You may also purchase over the phone by contacting our office directly. If you have any additional questions please let us know. Student Secure: /student-secure-insurance/
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Q:I am looking for travel insurance for my brother age 71 (Uk citizen) However I would not want coverage for pre-existing medical. Generally speaking he is relatively healthy. I want the lowest possible coverage you have for him. Please suggest a plan. He will be traveling probably Feb.21 staying in California for 3 weeks.

A:
Thank you for your interest in purchasing insurance through us. Visitors Care is a fixed coverage plan. Please look at schedule of benefits and how plan works, /visitors-care-insurance/reviews/#schedule Visitors Care plan is good but if you need to use the insurance plan will not pay more or less will always pay as per the scheduled benefits for any eligible expense. You need to do separate application for age 70+. So as long as you understand how plans works, please go ahead and purchase this plan using link below /visitors-care-insurance/ Or give us a call at (866)INSUBUY will be glad to process the application over the phone. You can find more plans on this website. Please feel free to contact us if you have any further questions.
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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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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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