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Ask Our Specialists

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

Q:I was curious and had questions regarding the Safe Travels USA Comprehensive. 1) Is the insurance covered while the insured person is travelling to and from USA also? E.g. the person for whom I need to get insurance would be travelling from India to USA and back to India. In this case, any emergency required in the travel from India to USA and USA to India will be covered as well? If they have a halt in China, and if there is any medical emergency, would this insurance cover it? 2) The return dates to head from USA to India are not yet finalized, is it possible to take and extended insurance and then be reimbursed for the unused extra insurance by paying a fee? E.g. If I take insurance up to 31st January, 2020 and the insured person decided to leave USA on 3rd January and reach India by 5th January. Will I get reimbursed for the extra fees paid from 5th January - 31st January? 3) How can I apply for the plan? 4) I need the option to select deductible per policy period. However I only see the option of deductible per annual period.

A:
Thank you for your interest in purchasing insurance through us. Answer for your questions below: 1. Safe Travels Comprehensive plan will provide coverage worldwide except his/her home country. You may view the certificate wording here. 2. If you are not sure for return date, purchase for the duration you are sure. You can extend the policy before the expiration date. You may view the extension rules here and view the refund rules/procedure here. 3. You can apply online here,or give us a call at (866)INSUBUY and will be glad to complete the application over the phone. 4. In this plan deductible is annual. If you purchase policy for 3 months, extend for couple of months in that whole time deductible applies once. If you go in the PPO network deductible will be waived. Please feel free to contact us if you need any additional information.
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Q:I am am a US Citizen temporarily residing in Dubai, UAE & need Medical Coverage when I visit the US. Can you arrange it? If so, I need a quote for one year. You provided Visitor Insurance for me this year & last year under the Patriot America Plus plan.

A:
You can purchase Patriot America Plus plan this year also. Alternatively, you can complete the application using MyAccount section of the website. Or give us a call at (866)INSUBUY and will be glad to complete the application over the phone. We have all the information except payment. Please feel free to contact us if you have any additional questions.
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Q:Need information about Atlas international plan for my family visiting UK from India.

A:
Thank you for your interest in purchasing insurance through us. Atlas International plan meets Schengen visa requirements. As soon as you purchase insurance will receive confirmation by e-mail which will have a link to print visa letter, id card etc. If you provide their travel dates, age and will be glad to send you quote by e-mail Alternatively, you may get quotes by visiting the Schengen Visa Insurance section of our website. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you need any additional information.
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Q:I am on opt and I am purchasing insurance for my wife. Should I purchase F2 insurance or OPT insurance. Can you also let me know the policy which covers for maternity.

A:
If you are on OPT and are going to purchase a plan for both you and the F2 together, then there are OPT plans that will include maternity benefits as long as the pregnancy begins after the effective date. If you are seeking coverage for her alone as an F2, there will not be any plans available offering any maternity benefits.
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Q:I am going to the United States for postdoctoral work. My contract is 2020-2-10 to 2021-2-9. I want to buy a one-year insurance covering this time zone, which is 2020-2-10 to 2021-2-9. But this time zone is more than 365 days, what should I do?

A:
You can purchase insurance for 364 days then we can extend your policy manually as long as your school wants proof of insurance for whole duration. Please look at our J visa insurance section. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you need any further clarification. Patriot Exchange plan will be easier to extend compared to ExchangeGuard. Please compare both plans side by side.
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Q:I am looking for individual insurance plans for my husband . He is on H1b visa. Could you please help me with quotes. His employer is not offering any insurance.

A:
Your husband can enroll in Obama Care plan. Enrollment has started. If he enroll now it will starts from Jan. Meantime, you can purchase Atlas America plan.
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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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Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

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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