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Ask Our Specialists

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

Q:International Student Insurance To whom it may concern, I`m a new graduate student in The New School (New-York) from Russia. My school offers me an insurance from AETNA (more than 3000 USD per academic year) Tell me, please, what other types of medical insurance can you offer me?

A:
Thank you for your interest in purchasing insurance through us. In order for us to suggest some plan. We need to know insurance requirements from your school. So please send us the compliance form or waiver form in pdf attachment. Or you can visit our website at, /international-student-medical-insurance/ Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions. Thank you very much for your response! I am sending you the link on description Aetna insurance, which my school offers me. I need an insurance with a comparable health coverage There is no insurance in outside market which will have unlimited evacuation and repatriation. You have to purchase insurance from your school.
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Q:Insurance for Canadians coming into the U.S. How can I find the comprehensive plans for Canadians visiting Florida for 3 months.

A:
Thank you for your interest in purchasing insurance through us. We have several plans that would meet your needs at www.insubuy.com and one plan that I recommend would be Patriot America Plus that can be found here /patriot-america-plus-insurance/ . If you have any additional questions please feel free to contact our office.
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Q:Hello, my name is Marcela and I am tourist in United States. My visa expires at the end of November. I experienced UTI infection and paid 200$ at the doctor. I don't want to pay a lot of money again at the doctor so I am looking for health insurance options. Could you please tell me what type of the insurance would work for me so I can purchase it?? And not to worry about this anymore??? I am on tourist visa, Esta visa waiver program (allowance to be in USA 90 days) and I am 26 years old, travelling from Slovakia. Do they accept this insurance in most local health providers??

A:
I would recommend 2 plans for coverage for you to consider. There is a plan called Atlas America that you would be eligible for and a plan called Patriot America Plus. These plans are designed to cover any new accident or illness that occurs after the effective date of the policy. Please use the links listed for more information about these plans and to find additional plans available. Please contact us if you need further assistance.
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Q:US citizen returning to USA Hello. I am an American who works overseas. I need supplementary insurance while we are in the US for the next month and a half. My daughter is also a US citizen but my husband is not a citizen. I would prefer to go with one of the options that is underwritten by Lloyds and has PPO with First Health as that is a good network. Thanks for your advice. Note: please email as it is difficult to call me right now.

A:
Thank you for your interest in purchasing insurance through us. You need to separate application for US Citizen and Non US Citizen. For USC whose home country is outside USA and coming to USA as a visitor you have very limited options. You can purchase either Liaison Continent plan or Safe Travel USA Cost saver plan. Liaison Continent brochure, instant purchase and other useful information with United Health Care PPO netwrk, /safe-travels-usa-comprehensive-insurance/ Safe Travel USA Cost Saver brochure, instant purchase link with First Health PPO network, /safe-travels-usa-cost-saver-insurance/ Please feel free to contact us if you have any further questions.
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Q:Comprehensive insurance Questions I am looking into Atlas America quotes for comprehensive coverage plans for my parents coming in soon. Was wondering if you help me with the following questions.. 1. Both my parents are aged between 65 and 70 with minor preexisting conditions.. Was wondering what will be covered and what will not be ? 2. Planning to take coverage for 3 months initially.. if they plan to stay back for more months later, was wondering if we can extend the insurance? And what's the minimum days required to extend the insurance? 3. Will they be getting their insurance cards, that they can use the way we use our medical cards here .. I mean just go to doctor.. show insurance card and pay the copay.. and rest is taken care of ? 4. Finally can you suggest the best plan for my parents?

A:
Thank you for your interest in purchasing insurance through us. Before we suggest any plan would like to know their exact age. They between 65-69 yrs or 70+. Because benefits will be different for age 70 and above. Answer for your questions below: 1. Insurance will not pay for any pre-existing conditions or preventive care. However some plan has coverage for acute onset of pre-existing conditions for age below 70yrs. More information on acute onset of pre-ex, /visitor-insurance-acute-onset-of-pre-existing-conditions/ 2. Most of the plans you can renew before the expiration date. There will be $5 renewal fees. You can renew mini. For 5 days and it will be daily rate. 3. As soon as you purchase insurance you will receive confirmation by e-mail. Which will have a link to print id card and other documents. If you select you want to receive card by mail then it will be mailed to you next business days. Insurance card will have policy number, claim address and PPO network logo. 4. We can suggest the plan once we you provide their exact age. Meantime, you can visit our website at www.insubuy.com If your father is 70+ then you need to get separate quote. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
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Q:Atlas Premium - Policy Clarification We would like to clarify the coverage restrictions with respect to Atlas Premium Policy on your website (<a href='/atlas-premium-america/visitors-insurance/'>/atlas-premium-america/visitors-insurance/</a>). Regarding coverage for pre-existing conditions the website mentions the following - "Acute onset only. Medical to policy maximum and $25,000 medical evacuation for persons under age 70" Could you please clarify the following two questions: 1) For persons over 70, is acute onset of pre-existing conditions covered under the Atlas Premium policy? 2) If it is covered, are medical expenses from the acute onset covered up to the policy maximum ($100,000 in our case)? It wasn't clear from the language on the website.

A:
Thank you for your interest in purchasing insurance through us. Atlas Premium plan covers acute onset of pre-ex age below 70 years. So Under Atlas premium plan any expense related to pre-existing will be excluded. Atlas Premium brochure, instant purchase link, /atlas-premium-america-insurance/ From 08/15. We have some plan that covers acute onset of pre-existing conditions up to age 90 Yrs. More information on acute onset of pre-ex at, /visitor-insurance-acute-onset-of-pre-existing-conditions/ Visit our website at www.insubuy.com Please enter appropriate criteria. You will find many plans , narrow by plans with pre-ex coverage, you can also compare them side by side. 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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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.

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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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