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Ask Our Specialists

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

Q:Online Purchase: visitors medical insurance I am looking to purchase insurance online. On the form it has something like "meets J1 requirement". What does that mean? Another question - the disclaimer has a statement that residents of India need to get permission from the Reserve bank of India. Is this applicable if I am buying the policy online and I am in America?

A:
Thank you for contacting Insubuy. The Atlas America plan is purchased for consumers with various visa types. In the application you will see “meets J1 requirements” next to the policy maximum, and deductible which meet those specific requirements. For someone on a visitor’s visa, they may select any deductible and policy maximum as there are no specific requirements. In regards to your second question, you are correct. You may complete the online application. If you have any additional questions please let us know. Does that mean that no permission is required from the Reserve bank of India? The beneficiary is an Indian resident. If you are located in the United States and not using an Indian credit card it is not necessary to have permission from the Reserve bank of India. Please proceed with your application. Atlas America brochure & instant purchase link: /atlasamerica-insurance/
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Q:Travel Insurance visitors to USA Travel insurance for parents visiting USA.

A:
Thank you for your interest in purchasing insurance through us. As a broker, We provide insurance from most of the major companies available in US Market. If you provide your parents age, their travel date, which state do you need coverage and will be glad to send you quote by e-mail. Meantime, you can visit our website at www.insubuy.com 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:Schengen Travel Insurance I am looking for travel insurance for one day. I know sounds funny. I am applying transit visa for Schengen countries. What you can provide for me? Here is what embassy requires: Proof of travel insurance providing coverage in the Schengen countries: stating name of insurance company, type of coverage (medical emergencies including repatriation) and amount of coverage (equivalent US amount of 30,000 Euro), option of direct payment (insurance company must have a service provider in the Schengen area or an arrangement with a service provider in the Schengen area, no deductible, no reimbursement policy accepted). Please note:letters and insurance cards from U.S. health insurance companies cannot be accepted.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Atlas International plan which meets all the Standard Schengen visa requirements. Atlas International brochure, instant purchase link, /atlas-international-insurance/ Link for sample visa letter, /sample-documents/atlas-america.pdf-letter.pdf You can find more plans at Schengen visa insurance section, /schengen-visa-insurance/ Please feel free to contact us if you have any further questions.
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Q:J1 visitor insurance needed My husband and I are going to the University of Florida next August as Research Scholars, for one year, each one with a J-1 visa. We are trying to buy insurance that complies with US government requirements for J-1 visa holders (medical benefits and repatriation). My husband is 69 years old while I am 67 years old. Could you give me information on plans that suit us both? I also would like some information regarding: 1. What is the monthly payment? Or we need to pay at once. 2. What are the benefits? (that is, what are we covered for?) . For instance, if I need to go to a doctor, how much the plan covers... and so on.

A:
Thank you for contacting Insubuy for your insurance needs. Please provide the list of requirements that your university has provide so that we can recommend plans accordingly.
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Q:F2 visitor insurance needed Hi, I am from Vietnam, and am going to come to the US to study my master degree. I want my wife to have coverage while in the US and am interested in Atlas America and American Patriot (I myself have to buy the school's plan). I have some questions about these 2 plans: 1. Does these 2 plans cover the lost/damaged baggage or delayed flight of my wife from Vietnam to the US, or do I have to buy another international plan? 2. Are the PPO networks of 2 plans the same or different? I see Atlas is with First Health network and Patriot is with First Health/Coventry network. 3. From my research, 2 networks are different since I see the First Heath/Coventry providers list includes many providers that I also see in the PPO network of a better plan United Healthcare (the one my school offers). So does it mean Patriot has better and larger network than Atlas has? 4. In Atlas's PPO network, I see no hospitals in Nashville, TN, while Patriot's one has many. Is the database of that PPO network correct since I think it is unusual for a PPO network to have no hospitals in providers list. Thank you for your consideration.

A:
Thank you for your interest in purchasing insurance through us. Answer for your questions below: 1. Plan will provide $250 for loss of checked luggage and it will be secondary to any other benefits you get from airline. It does not cover flight delay. Because this is your medical insurance NOT Trip insurance. If you want you can purchase separate trip insurance to cover flight delay or missed flight etc. 2. That’s correct. 3. Patriot has Coventry/ First health while Atlas has only First Health. Yes. 4. Please provide the zip code so we can also look and let you know. How long do you need coverage for her? You can also look at Patriot Exchange plan which is suitable for J2/F2 visa holder. Patriot Exchange brochure, instant purchase link, /patriot-exchange-program-insurance/ You can compare Atlas And Patriot plan at www.insubuy.com or visit our F1/F2 visa insurance section at, /international-student-medical-insurance/ Please feel free to contact us if you have any further questions. Thank you for the quick response. As to your question, the Zip Code of my address in the US is 37212. So as you said, the Patriot Exchange plan will fit the most to my wife, right? I wonder does it has any better benefits, other than a larger and better PPO network, than the Atlas American plan has? I read the big thread on "Sharing experience" on Immihelp and saw that Atlas is a very popular plan. I looked at the PPO network and found same number of hospitals within 10miles for both atlas and patriot Exchange plan. Atlas and Patriot Exchange plan is for J1visa while Patriot America plan is mostly for visitor. You can purchase either of the plan. Please compare both plans at, /j1-visa-health-insurance/ And decide which plan fits your need. Please feel free to contact us if you have any further questions. Please confirm this is the link to the PPO network of Atlas American plan: /travel-and-student-insurance-ppo-network/ If so, then I find only 2 hospitals in network in Nashville 37203. Some very popular hospitals there such as Vanderbilt Uni Medical Center, St. Thomas Hospitals could not be found, while they could be in Patriot PPO network. Thank you for contacting Insubuy. This is the correct website for the HCCMIS provider search on the website. We are finding a few St. Thomas Hospitals in network For your reference we have attached a PDF of in network providers. If you need any further assistance please feel free to contact our office.
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Q:travel insurance inquiry i am planning to buy a travel insurance for a 5.5 years old kid. Destination USA. May you help me with the question: I am not sure how long the kids will stay, so can i renew the insurance? Is the renew price (premium) same as to buy a new policy? for example, I buy 2 month first at $100, if i renew another 2 months, will it be another $100?

A:
Thank you for contacting Insubuy for your insurance needs. Most insurance plans will be renewable, the premium is based upon a daily rate so the amount of days that you are want to purchase or renew for is what will determine your premium. If you would like assistance in selecting a plan please contact our office . Are these two plan renewable? HCC life short term medical 500 HCC life short term medical 1000 In order to determine eligibility for this plan, please advise as to what the proposed insureds status in the United State will be while in the US. 5.5 years old, B2 visa. what else information is needed? As a visitor into the United States this individual is not eligible for the short term domestic insurance plans. Please use the following link to find eligible plans for this individual. Visitors Medical Insurance for visitors to the United States: /
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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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