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Ask Our Specialists

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

Q:Need help selecing a product I have shortlisted my needs for Insurance to Citizen Secure Insurance and Global Medical Insurance. AMong these two which is best and please tell why its best. Thanks

A:
Both are very similar plans from 2 different companies. Few differences: IC Platinum covers maternity up to $50,000 while GMI has limit of $5,000/pregnancy, $50,000 lifetime maximum for maternity. GMI participates in First Health PPO network which is bigger and more recognized than IC platinum's Hygeia PPO network. Depending upon your age, there may be little difference in the premium, +/-. Few other minor differences. You can compare them side by side /expatriate-health-insurance/ Some features may be more important than others. Accordingly, you can decide which is better one. If you have specific needs, please let me know and I will tell you which one will be better.
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Q:Attending flight school in Florida Dear Madam/Sir, I'm a 31 year old Hungarian citizen and I'm going to attend a flight school in Florida from Feb 2006 to Feb 2008 on a J-1 visa. I have to purchase medical insurance coverage BEFORE I enter the US, according to the following reqirements: PROOF OF INSURANCE FOR INTERNATIONAL STUDENTS ON J-1 VISA International Students coming to Ari-Ben Aviator, Inc. under a J-1 Visa must have proof of medical insurance coverage when entering the United States, in accordance with Immigration 22 CFR 514.14(a) (published March 19, 1993.). The minimum Coverage Required Is: 1) Medical benefits of at least $50,000.00 per accident or illness 2) Repatriation of remains in the amount of $7,500.00 3) Expenses associated with medical evacuation in the amount of $10,000.00 4) A deductible not to exceed $500 per accident or illness The insurance policy should not contain any statements or clauses which preclude the exchange visitor from coverage due to flight training. I'm wondering whether a package like that is available at your company (through online purchase) and if yes, with what conditions. Thank you and best regards,

A:
Please look at Visit USA-Healthcare at /visit-usa-insurance/ It meets all the requirements of J1 visa. You can get all the information online and make instant purchase online. Please let me know if you have any other questions.
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Q:K1 visa insurance for fiance Hello, I have a question regarding insurance plans for "New Immigrants". I entered the US as a K1 fiance visa-holder from the UK. I then married a US citizen, and have filed for permanent residency with US CIS. As this may take up to a year, what insurance am I eligible for in the meantime? Am I able to take out a "New Immigrant" policy? I would appreciate any comments about this, thanks in advance.

A:
Thank you for your interest in purchasing health insurance. Yes, you are able to take the insurance in "New Immigrant" category. That is because we call the insurances such as "Visitors Insurance", "New Immigrant Insurance" etc. In reality, they are all same insurance as they are meant for any non-US citizen who would not be eligible for domestic insurance. You can look at all new immigrant insurance plans at /new-immigrant-insurance/ In particular, Protection America is an excellent plan. It is widely accepted PPO plan and you can buy it from 5 days to 3 years. Please let me know if you have any other questions.
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Q:Discount for Visitors Care Hi, Hope you are doing well. I am looking for Travel insurance for my family visiting me in the coming days. I have gone thorugh your web site and got a quote of 420 $ for my parents for a maximum of 25,000.... their ages being 62 yrs (spouse 57)... for a period of 5 months. The insurance quote was from "Visitors care IMG". I would greatly appreciate any information of discounts which I could avail. I am thinking of a possible extension and a long term deal in case of a good offer made. Thanks in advance.

A:
Thank you for your interest in purchasing health insurance for your relatives. Unfortunately, in United States, insurance premiums are fixed by the insurance company and filed with the government. It is illegal to offer any form of discounts or rebates. Please let me know if you have any other questions.
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Q:Fiance visa insurance for HIV+ My fiance is HIV+ and I need insurance. The clinic in NM is doing research, and their services are mostly subsided so my fiance wont need to pay much.The insurance wont need to pay anything since i will have insurance which doesnt cover pre-existing conditions. Only what i need is they should state. That is what the embassy need to give me a visa. I need just 3 month travel insurance, there after my fiance insurance will take care. I hope they will consider that, looking forward.

A:
Please ask the consulate specifically whether they need the insurance to cover HIV or not. I called the embassy to ask, the woman on phone told me, the most important thing they need is Once i bought the insurance, to send them a letter from insurance which tells they are aware of my condition. the lady seem to understand when i asked about the pre-existings, she said she know that i have to be covering privately. I asked if i should send insurance papers to them, she said no they need just a letter from insurance. though she was not the one having final say, the papers will go to CDC. hear soon I checked with several insurance companies and no one is willing to provide such a letter.
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Q:Life insurance for Uruguay resident I´m male and I´m 26 years old. I´d like to get information about how to reach your life insurance, and how do I have to pay monthly. I live in Uruguay. Thanks for your time.

A:
Please look at /accidental-death-and-dismemberment-insurance/ You can get the instant quotes and make instant purchase online. If you have any other questions, please feel free to contact us at any time.
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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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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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