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Ask Our Specialists

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

Q:My father (72yrs) has wet macular degeneration in both his eyes and was taking injections for the same. He is currently off the regular injections except once in a while if his doctor feels the need based on monthly OCT scans. His current doctor has advised him to do regular OCT scans to check if any issues arise that may require further injections to prevent the condition from getting any worse. One eye is beyond repair and current scans are only for the other eye. I am trying to figure out how I can continue his OCT scans while he is with us in the USA. Could you please let me know what kind of insurance I need to purchase and what kind of coverage he would get specifically for monthly OCT scan(one eye) (how much would he need to pay out of pocket) in case he needs an injection in one eye (Accentrix / Lucentis) (how much would he need to pay out of pocket).

A:
As you know we provide insurance from many companies. None of the short term plan for an International visitor will cover routine maintenance or dr. visit for the existing conditions. We have one plan that covers acute onset of pre-existing conditions for above age 70yrs. Safe Travels USA Comprehensive will cover acute onset of pre-ex. to $35,000 ($15,000 cardiac) for ages 70-89. in short, anything related to his existing conditions will be excluded and if you want to visit dr. for his current conditions you will be responsible 100%.
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Q:I hope to purchase the insurance to satisfy the French visa's requirement.Could you help me check asap? Since I am going to consulate tomorrow morning, will you send me the insurance letter including "Medical evacuation" and "Repatriation", if I pay now?

A:
Yes. As soon as you purchase insurance you will receive confirmation by e-mail which will have a link to print visa letter. Link for sample visa letter can be found here. Please feel free to contact us if you have any further questions.
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Q:I live in Chennai, India and planning to visit my son in UK from 6th May to 10th June, 2016 nd visit my another son in USA from 10th June to 19th November, 2016. I am 66 years old (DOB 2nd November, 1949) & a heart patient with stent implanted. Kindly let me have details & tariffs for insurance during this period in the respective countries with insurance coverage for existing disease at the earliest.

A:
As a broker, We provide insurance from many companies. You can purchase either Atlas America or Patriot America plus plan. None of the insurance will pay for any routine dr. visit or maintenance for the existing conditions. However some insurance plan provides acute onset of pre-existing conditions for age below 70yrs. More information on acute onset of pre-existing conditions: Acute Onset FAQ Please enter appropriate criteria. Please select coverage area international including USA. You will find many plans and you can also compare them side by side. If you have any further questions feel free to contact us.
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Q:I am an international student currently working on OPT. I want to get an insurance for me and my wife . She is on dependent F2 visa. I was looking for an insurance that covers maternity. She isn't pregnant yet. Can you please help me find one.

A:
As a being on a dependent visa of an OPT (F visa) student there would not be any plans that we could offer to cover any maternity related expenses. Plans will only cover new accidents and new illness that occur after the effective date of the policy. If you are needing maternity coverage it is recommended that if offered, you obtain coverage from your employer as this is the only coverage that would cover maternity for your spouse.
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Q:I'm in the USA and my knee pain so back. I was seen by Ortho doctor. He stated I needed a total knee replacement. Would this insurance cover this?

A:
Thank you for contacting Insubuy for your insurance needs. However, there is no coverage that will cover for pre-existing conditions or needed medical treatment. Plans will only cover new accidents and new illness that occur after the effective date of the policy.
{{currentOrigin}}/answers/visitors-health-insurance/b2-insurance-pre-existing-knee-issues-39553/

Q:I will be travelling to Atlanta, Georgia this week. I will be buying Travel insurance of $50,000. I wanted to check, if the insurance coverage is limited to one city only or is it applicable all over USA.

A:
Most of the plans are international will provide you coverage anywhere in the world except your home country and in US you will get coverage in state. Please let us know which insurance plan are you planning to purchase. If you have any further questions feel free to contact us.
{{currentOrigin}}/answers/visitors-medical-insurance/b2-insurance-coverage-in-us-41712/

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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