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Ask Our Specialists

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

Q:Parents visiting USA; Insurance needed Hi, My parents are visiting to USA on tourist visa. Looking for health insurance plan. Can you please share the plan details? Please let me know if you need any other details. Thanks.

A:
Hello, What are your parents ages and what date will they be arriving? Also, will they be visiting Washington? Thanks a lot for the quick response. Parents DOBs - 09/11/1956 and 10/05/1955 They are visiting to Seattle starting from 12-jun We have sent the quote in a separate e-mail for one month. Your mother will turn 60 while her stay over here. So you have two option, you can go for whole duration at one time and pay premium as age 59yrs or purchase for 3m then renew the policy for rest of the duration. At renewal time if she is already 60 then her premium will increase. You can also 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. Have a great day!
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Q:Deductible questions for medical insurance Hi I am from India. coming to USA on 7th of June. Please explain me what does deductible mean? myself and my spouse will go for travel insurance to USA for $500000 each for 27 days with 0 deductible. Will it work, and please get me the details?

A:
Thank you for contacting Insubuy for your insurance needs. A deductible is the amount that the insured is required to pay before the insurance will pay its portion of the covered expense. In order to make a proper plan recommendation please provide the visa type that you will be arriving on and the state that you will need coverage so that a proper plan recommendation can be made. Visa type is B1/B2 States visiting are California, Nevada, Florida and New York. Please recommend Thank you for contacting Insubuy. There are several plan that would offer coverage for your visit here to the United States. There are both fixed and comprehensive plans available that are available. Please use the link listed below for more information about the available plans. If you have any questions please feel free to contact our office. Visitor to USA Insurance: www.insubuy.com
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Q:If visiting multiple states which do I list on the quote screen of your website? Hello , I was planning to buy (Inbound USA) insurance for my parents visiting USA but form was asking Residence state and my parents will visiting multiple states in USA ( Washington , Florida , Illinois & New York ) but majority of their stay would be split between Washington & Florida. So which state should I give when I am entering the form . Thanks,

A:
The state is only asked in reference to the initial purchase. You need to select the state in which they will be staying first.
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Q:Parents traveling to multiple countries: Insurance needed Hi, My parents are travelling from India to UK(London) , Schengen countries, and USA from 07/27/16 - 02/02/2017 Do I have to buy separate insurance for all the countries ? I might purchase Atlas America and would like to know if that will cover all these countries?

A:
The Atlas America plan will cover everywhere outside of the home country (India) so will work for the full duration. If you need additional assistance please feel free to contact our office.
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Q:Deductible per policy period instead of annually for plan Insubuy Team, I believe your site needs to be corrected. If I click on benefits and go into the details there is mentioned as deductible to be charged “Max once in a Yearâ€�. Site needs to be corrected from “per policy periodâ€� to “Annualâ€� â€" Please confirm and then will buy the insurance. Thanks,

A:
Your policy period is the duration that your policy is in force and active. For example, if you purchase the plan for 1 year your deductible will be valid for the 364 days the policy is valid. If you purchase a plan and only need it for 6 months your deductible would be valid for that 6 month period as that is considered your policy period. Per Policy Period is the terminology listed in the legal Certificate Wording which is available for you review. If you need any further assistance please feel free to contact our office.
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Q:American traveling to Japan: medical insurance needed I was looking into your guys health insurance plan Patriot Platinum Travel Medicine Insurance and I was wondering does that cover everything in Japan? Like dental or regular doctors? For example, If I get the 5 million coverage and choose $0 deductible what does that mean? Please give me an in depth detail example of how much I would pay upfront... Thank you.

A:
Thank you for your interest in purchasing insurance through us. Before we suggest any plan would like to know your citizenship, age, destination, how long do you need coverage and is there any insurance requirements? Once we get these information will be glad to suggest some insurance plan. Patriot Platinum plan is a short term medical plan it does not cover dental but it covers dental accident related emergency. Patriot Platinum brochure, instant purchase and other useful information, /patriot-international-platinum-insurance/ /patriot-america-platinum-insurance/ Please let us know if you have any further questions. I am American and I am 15 and I am traveling to Japan. But I am traveling without my parents and staying with my family in Japan but they do not know how to do things so I am taking care of it. I only need coverage till July 12. Some services I really need is dentistry. I have an abscessed tooth and I need root canal surgery in Japan. I have heard that root cancel surgery can be up to ¥1.5 million Japanese yen or ¥1,500,000. What plan should cover that? Any recommendation? I need this ASAP because I have heard infection can spread fast and can lead to death. The Patriot International plan will cover you medically for any new illness or injury that occurs after the effective date of the policy. Unfortunately, the plan is a medical plan and will not cover dental treatment. We do not have a dental plan that will cover you outside of the US. You can still purchase the Patriot International plan for medical coverage from the link below. 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.

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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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