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

Q:Postdoctoral fellow disability insurance Dear Sir or Madam: I'm interested in buying a disability insurance, but I don't know which one I can buy. I'm a postdoctoral fellow with J1-visa, doing research work and wish to be a independent investigator one day, in China or US. Thanks.

A:
You can look at /petersen-disability-insurance/
{{currentOrigin}}/answers/group-travel-medical-insurance/postdoctoral-fellow-disability-insurancedear-sir-or-madam-im-interested-in-buying-a-disability-insur-63193/

Q:Pilot disability insurance Hi there, Do you accept clients who are non US and who are living in HK for loss of pilot license/ income replacement? Kind Regards,

A:
We offer the disability insurance to such persons, not exactly what you are mentioning. Look at Pilot's disability insurance product at /petersen-disability-insurance/ Please let me know if you have any other questions.
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Q:insurance for international students visiting U.S. I am looking for an insurance company that will insure international visitors to the University of Georgia. Our department is looking for a company that is able to bill us for these services, as required by the University. We are unable, as a dept., to prepay. Please let me know if there are companies out there with that option. Thank you for your help.

A:
As a broker, we work with all major companies in the US that in such business. Unfortunately, all the companies require you to pay the premium upfront. You can you with credit card, check or money order.
{{currentOrigin}}/answers/f1-visa-insurance/insurance-for-international-students-visiting-usi-am-looking-for-an-insurance-company-that-will-insu-57413/

Q:Diplomats in Canada I am a diplomat in Canada and my colluges and I - We are about 50 people- are looking for an Insurance Co. that insures us for the years we are in Canada. I donot know if you cover Canada or not. I hope I could receive your offer. Thanks in advance for your early reply. Yours Truthfully,

A:
Thank you for your interest in purchasing health insurance. We have many choices available and we certainly insure people in Canada. Individual travel medical type insurance: /travel-health-insurance/ Individual long term major medical: /expatriate-health-insurance/ Long term major medical group insurance: /international-long-term-group-medical-insurance/ Within each category, we have several products from different companies. If you can either give me your phone number, or if you can call us, we can discuss your needs and suggest you the product most suitable to you.
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Q:Patriot America vs Protection America I am looking for visitor medical insurance for my mother and am interested in buying comprehensive coverage plan. When comparing policies Patriot America and Protection America seem to be very similar and from same underwriter. Patriot is even better with 90/10. But price of Patriot is less than Protection. I am not sure why is that ? Can you please point me to main differences between these 2 ? Why Protection is more than Patriot ?

A:
Patriot America must be purchased for minimum 3 months initially and paid upfront if you would like to renew in future. While Protection America can be purchased for minimum 5 days and still be renewed. Thanks for quick reply. I have another question and this is about deductable. Is the deductable of 100/200 etc. will be for each occurance i.e each doctor visit or only once during initial visit ? Is only once.
{{currentOrigin}}/answers/visitors-insurance-usa/patriot-america-vs-protection-americai-am-looking-for-visitor-medical-insurance-for-my-mother-and-am-43039/

Q:Home country coverage and sports coverage in IMG policy My family and I will be traveling for 6 ½ months to Panama, Costa Rica, Argentina and Chile from Nov 18th to June 2nd. We are interested in a $250 deductible policy with either $50,000 or $100,000 coverage. I have the following questions: we will be returning to the states for 7 days in the middle of the trip, would our coverage continue during this visit? 2) only my husband will continue to have health insurance in the states during this time, if we are hurt or become ill and have to end the trip to have medical care at home would this plan cover us for the full amount of coverage or would it end after we are back in the states? 3) if we aren’t planning on doing anything more hazardous than perhaps horse back riding do we need the hazardous sports rider? Thanks for your response by email, it is not convenient for me to talk by phone while at work. My biggest concern is whether the coverage will help us if we need to return to the states.

A:
1. INCIDENTAL HOME COUNTRY COVERAGE: During the Period of Coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to: The insured person must have left their home country, The total Period of Coverage must be for a minimum of 30 days, and The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling. 2. You don't require hazardous sports rider if you are not going to be doing any of the hazardous activities mentioned in the certificate wording. You can buy Patriot International at /patriot-international-lite-insurance/ Thank you for your response but this did not answer my question. If I have a $50,000 coverage policy and I break my back and get evacuated for my home country for treatment, would the $50,000 coverage extend to my treatment in the states? If you read the last sentence in point #1 below, it answers your question >>>>The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling. In other words, answer to your question is No.
{{currentOrigin}}/answers/international-travel-health-insurance/home-country-coverage-and-sports-coverage-in-img-policymy-family-and-i-will-be-traveling-for-6-month-31098/

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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Visiting USA?

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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