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Ask Our Specialists

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

Q:Medical malpractice insurance I am wanting to buy a medical malpractice insurance. I am a student and would be visiting the US only fora period of 1 month in January next year. Can you provide me the appropriate contact information. Thank You

A:
We do NOT offer medical malpractice insurance. However, we do offer student medical insurance just in case you get sick or injured. Look at /international-student-medical-insurance/
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Q:Student medical insurance for international student I am a student planning to come to US, california, for my Master's Degree in Computer Science. What shall be the best coverage and the premium for me ? Should i buy from India or after joinning my university in California? Could u please forward your remarks?

A:
Thank you for your interest in purchasing health insurance. You can buy Study USA-Healthcare at /study-usa-insurance/ You can buy it any time, either from India or from US. Please feel free to contact us at any time if you have any other questions. Thanks for replying immidiately. I wanted to know, whether the insurance taken in India will be cheaper ? And does the services differ. Insurance taken from India is typically only for short duration like to 3 to 6 months. After that, you have to take from US anyway. It is always better to buy from US based company. Read /visitors-insurance-usa-india-comparison/ Please let me know if you have any other questions.
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Q:Visa letter for Schengen medical insurance Hi, I'm an international grad student in the U.S. I want to pay a visit to France in winter break (from 12-13-2008 to 01-06-2009). To get a Schengen travel visa, however, I need to have "A letter from your insurance company stating that you will be covered for at least $ 40.000 during your stay in Europ for any medical and repatriation expenses (+ 1 copy) ". Could you give me some suggestions of economical plans I can choose from to meet the requirement? Thanks, Yitu

A:
Thank you for your interest in purchasing Schengen visa insurance. Please look at /atlas-international-insurance/ Atlas International meets all the requirements of Schengen visa insurance. Around 15 minutes after you purchase the insurance, you can visit /travel-and-student-insurance-visa-letter/ and print the visa letter and take that to the consulate. That letter is acceptable to the consulate. Please feel free to contact us at any time if you have any other questions.
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Q:Home country departure date for US residing traveling to Schengen Hi, I would like to buy the travel insurance plan for Schengen visa. Could you tell me what "Home Country Departure" means? I am not US citizen but study in US right now.

A:
Just mention the date you are departing from the US. You can buy it online at /schengen-visa-insurance/
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Q:How do I know the authenticity of the insurance plans? I am looking for a insurance for 10 days in the European Union, but I really want to know about the autenticity of this product, because as well-know purchase products by internet could be the cheapest way but not the most safe. In adittion, Could you please let me know the cover of this insurance, because I need check with the Embassy policy requeriments. Thanks for your information.

A:
We are one of the largest brokers in the United States for international travel medical insurance. You can read about us at /about-us/ On the same web site, you will be able to see our licensing information, confirmation that we are Verisign secure web site, Hackersafe certified web site, are part of Better Business Bureau and have won multiple awards from the insurance companies. All the products that we sell are legitimate products. You can purchase the insurance online at /schengen-visa-insurance/ All the products listed there meet all the requirements of Schengen visa. Schengen visa requirements are listed at /schengen-insurance/ e.g., please look at Atlas International at /atlas-international-insurance/ It is underwritten by Lloyds of London which is the oldest and largest insurance company in the world. Please feel free to contact us at any time if you have any other questions.
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Q:Medical insurance for new immigrants waiting for Medicare eligibility I hope you still remember me since two years have passed in between. If you remember, you had given me the first Health insurance policy from IMG, after I came to US in Nov, 2006. In 2007 July I got an employment thru my employer I was covered thru Blue Cross Blue Shield for two years up to July, 2008. Now, I am out of job because of expiry of my work contract. Therefore, presently myself and my wife, both are out of coverage. Since we came to US as migrants, we have been covered by Health insurance. besides, we are keeping good health and have hardly made use of the facility that was available. Can you now suggest me a new policy to provide minimum health coverage till I can get a new job with insurance coverage. I am now 73 and my wife 65 but we are not yet covered by Medicare as we are still Green Card holders. Hence, the need. I will be thankful if you can guide or help me in this matter. Your early reply is requested. Thank you.

A:
I recommend that you purchase a bridge plan, available at /new-immigrant-insurance/ I am sorry I am little late in my reply as I had to study the details of the policy. At the outset I feel it will meet my immediate needs. But, I would like to know the following additional information before applying. 1: Can I take only Quarterly policy now and renew at the quarter end if required. 2: Suppose I get a new job with insurance coverage or may be I go out of US for a quarter, then I may not need this coverage and I may not renew the policy. 3: In such a case, after the break, is it possible to reapply for getting a new policy? My resident status will still continue 4: Is the premium as per the data in the table given at the end. 5: As per the document, only reimbursement is made. Does it mean that I have to pay in advance. It may not be possible in all cases. For instance in case of Hospitalization what happens? 6: How do I apply. Is it possible to apply on line and pay by credit-card or I have to send a physically filled up application. On receipt of your reply I will take action. Kindly advise. 1. Please note that bridge plan is meant if you continue to keep the policy for a long time. It is not meant as a short term policy as it requires a lot of effort on both sides to get this policy. Having said that you can pay quarterly. 2. Its ok if you don't renew. 3. You can reapply. Everything will be all over again. 4. Yes. 5. That primarily means that there is no PPO network. However, most hospitals are still willing to bill the insurance company directly as they don't expect you to carry a lots of cash and they want to get paid after all. 6. It is not available online. You have to download the application from /bridge-plan-insurance/ and send it to us.
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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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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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