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Ask Our Specialists

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

Q:Hi I am traveling to the US in September for 2 months and my wife is pregnant, her due date is in December 2023. But I am worried if she has her delivery before her due date, will there be any medical insurance that would cover my wifes delivery cost in the US.I don't wish to cancel my travel plan as this was booked an year ago.

A:
Unfortunately, there is not a plan that would cover the cost of maternity or delivery related expenses for a visitor. This would be an out of pocket expense.
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Q:on your web site it says the main difference between ExchangeGuard Choice or Essentials is the pre existing waiting period. What is the pre existing waiting period?

A:
A pre-existing condition waiting period is the amount of time a policy must be in place before it will offer coverage for any expenses relating to a pre-existing condition. If you have any additional questions please let us know.
{{currentOrigin}}/answers/exchange-visitors-health-insurance/what-is-a-pre-existing-waiting-period-68793/

Q:Is liability for car accident covered?

A:
Some plans, such as Atlas America, have the option to include Personal Liability coverage that can provide coverage for the accidental loss or damage to material property; or accidental bodily injury, illness or death of a third person. If you have any additional questions please let us know.
{{currentOrigin}}/answers/vacation-insurance/is-liability-for-car-accident-covered-82906/

Q:Hi, is there any visitor's insurance that covers pre-existing conditions? Thanks.

A:
Visitors Protect is the only plan that offers coverage for pre-existing conditions, but it still cannot be known or expected treatment. It also has a 90 day minimum purchase and $1500 deductible built into the plan for anything relating to a pre-existing condition. Additionally, it must be purchased before the insured has left their home country. Other plans do offer the Acute onset of pre-existing conditions. If you would like to learn more about the acute onset of pre-existing conditions please click the hyperlink. If you have any additional questions please let us know.
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Q:Dear sir/madamI am currently in the process of arranging insurance coverage for my J1 visa program, which is expected to last for 2 years. I am a 33-year-old from Iran, planning to do my program at Temple University in Philadelphia. My organization requires a full coverage insurance plan for the entire duration of my program. However, upon visiting your website, I noticed that the maximum duration offered for insurance plans is 12 months.I am reaching out to inquire if there is a solution to extend the coverage period beyond the 12-month limit to meet the requirements of my program.additionally, I was wondering if it is possible to change the start and end dates of the coverage in case of a delayed visa procedure. Thank you for your consideration and assistance.

A:
Due to your home country being Iran, and your status as a J1 visa holder we will not have any plans available to you. If you have any additional questions please call our office at 1(866) INSUBUY (4678289).
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/j1-visa-program-33yearold-from-iran-any-plans-78289/

Q:Through InsuBuy, I purchased a Visitors Care Platinum Plan (by IMG) for me and my spouse. Does this meet Stanford University's J1/J2 visa requirements ?

A:
No, this plan will not meet the standard J1 visa requirements. To insure that a plan will meet the standard requirements for J1 visa holders you can run a quote in Exchange Visitors (J1/J2) section. Stanford University does have additional specific requirements that students need to meet to be able to waive the school mandated insurance. There is only one plan that will meet those requirements called StudentSecure Elite. If you have any additional questions please let us know.
{{currentOrigin}}/answers/exchange-visitors-health-insurance/does-this-meet-stanford-universitys-j1j2-visa-requirements-11053/

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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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.

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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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