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Ask Our Specialists
All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I'm interested in Atlas America for non-US citizens traveling to the US. But I have question about how their extendable policy works. When I extend the policy, will the policy deductibles and policy maximum accumulate and carry over to the extended period? Assume I initially purchase 6 months plan with 5,000 deductible and 100,000 maximum and decided to extend the policy for 12 month for the total coverage of 18 months. Before the 6 months expires, I spend 1,000 towards deductible, how much deductible I have to pay in the next 12 months before insurance payment kicks in? What if I paid off 5,000 deductible and insurance paid 20,000 on my behalf before the 6 months expires, what will be my deductible and maximum insurance benefit in the remaining 12 months?
Q:I am on the ExchangeGuard Choice plan. Is there precertification with this policy?
Q:Do you consider hypertension which is under control because of medication as pre-existing? If yes what kind of ailments/incidents are not covered under any policy.
Q:I am looking for emergency travel medical insurance. I don't necessarily need other types of travel insurance, but willing to look at options. I am a U.S. resident currently traveling in Italy. I need an affordable post-departure insurance policy for at least 90 days for an upcoming stay in the U.K. I am 71, male, with no pre-existing medical issues.
Q:Does flu shots get reimbursed when you get it done at pharmacy?
Q:We are a family of 5 members (husband, wife and 3 kids, 10 y/o, 7 and 5 y/o, traveling to U.S. on December 7, 2023 and we want a medical, accident insurance from December 8, 2023 to January 8, 2023. Can you gave us quote and explanation about your insurance. Thank you- Joseph
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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.
Learn MoreWhy buy insurance from Insubuy?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling 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.
Learn MoreNew 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.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational 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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