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Ask Our Specialists

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

Q:I study at Lone Star College at Houston Texas. I am an international student, my school requires health insurance record before taking the class. Do you have any plan that is compliant with the Affordable Care Act (ACA), include medical evacuation and repatriation.

A:
ACA compliant plan does not cover evacuation and repatriation. We don't have any ACA compliant plan. But if you want, we can provide evacuation and repatriation plan. You can purchase Atlas MedEvac for evacuation and repatriation. Please feel free to contact us if you have any further questions.
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Q:I would just like to confirm whether my wife and I are eligible for Patriot America/ Patriot America plus or Atlas International (or any other long-term medical insurance offered through your company). My wife is a Chinese citizen and resident, and she will fly from Hong Kong to Spain with myself (a UK citizen and resident of China). We will move to Spain to live and work for at least six months and we will not be returning to China after that period (we will move to the UK to settle down). We want to be insured whilst we are in Spain. Will my wife be able to be covered if she is not returning to what is her permanent residence/home residence/home country at the time the policy is purchased? Also, will I be covered in the case of me getting insured in China (my current residence) but then moving to the UK afterwards instead of returning back to China?

A:
The available plans will cover you anywhere outside of your country of citizenship or home country depending upon the plan that you select. I would recommend purchasing the Atlas International plan as this will cover outside of the country of citizenship. So, while in Spain you and your wife will be able to have coverage for the 6 months or up to 2 years as the plan allows. I would recommend completing two separate applications as this plan will cover your wife upon going to the UK until she is able to obtain coverage while she is there (if needed). If you need any further clarification please feel free to contact our office.
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Q:I just got my quote. Do I not get any discount for being a preferred customer as I bought from you twice the medical insurance for my parents? I see only Visitor's care is showing figures in 100s and rest all are showing very high numbers.

A:
As we appreciate you being a loyal customer of Insubuy, we are unfortunately not allowed to offer discounts on any plans as these premiums are regulated by law. No matter where you purchase the plan from it will be the same price as everyone operate on the same premise from these plans as they are governed by the same rules. Please see the link listed below for more information about the rules regulations for Visitors Insurance: Best Visitors Insurance Deals
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Q:I would like to purchase the safe travels international cost saver plan for the visa purposes. Will it meet the necessary requirements?

A:
Yes. Safe travel International cost saver plan meets all the Schengen visa or France visa requirements. Please look at sample visa letter here. Please select policy max. at least $50K and $0 deductible. If you have any further questions feel free to contact us.
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Q:I am looking for a healthcare insurance provider for a 68-year-old male who will be travelling to the USA soon but is not a resident there. He prefers arranging his matters regarding insurance beforehand. I would like to know the different packages that you offer for people who travel to the United States on an occasional basis. If you could send me a comprehensive email containing the range of international medical insurance and travel insurance products that you offer along with a list of quotations for them, we could make an offer and consider purchasing an insurance package accordingly.

A:
As a broker we provide insurance from many companies. Essentially, all the plan fall into two categories fixed plan and comprehensive plan. Fixed plans cost less and provide limited coverage while comprehensive plans cost more and provides better coverage. If you provide insured age, travel date and which state do you need coverage We will be glad to send you quote in a separate e-mail. If you have any further questions feel free to contact us.
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Q:My father is travelling from India to USA for 12 days. He has a heart condition I would like to know what kind of insurance he should buy.

A:
Before we suggest any plan would like to know his age, travel date and which state does he need coverage? Once we get information will be glad to advise some plan and send quote by e-mail. As a broker we provide insurance from most of the major plans available in US Market.. But keep in mind there is no short term insurance for an international visitor which covers pre-existing conditions. However, some plan has acute onset of pre-existing conditions for age below 70yrs. Acute Onset FAQ 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.

Did you know?

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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