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Ask Our Specialists

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

Q:I'm planning to take the Patriot America Plus insurance but paused because it said not all OPT students are eligible. I'm currently in OPT but in STEM extension, will I be eligible for this plan or are there any plans that would work for me ? I was offered insurance from my work but it was expensive so I denied that.

A:
If you are eligible for your employers insurance plan, then we would recommend you take that coverage. In this situation you should not purchase the Patriot America Plus plan.
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Q:I am a resident of India and will be travelling to USA from 21st July,2019 till 20th January 2020. Can I take up the Careington Dental discount plan after arrival in USA?

A:
Thank you for contacting Insubuy. Please be advised that you can purchase the Careington Vision/Dental Discount Plan after you have arrived and would need to purchase over the phone with an agent as it is not available for self-purchase. Please let us know if there is anything else we may assist you with.
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Q:I am wanting to see if your business offers travel insurance for Kailash Mansarovar Yatra Travel for London,UK based residents as i have been recommended your services by previous members who have been on this trip. If so, I would be happy to provide you with further details to obtain a quote.

A:
Thank you for contacting Insubuy for your insurance needs. Based on the information provided we would recommend purchasing the Diplomat International plan. In order for the plan to provide coverage at that elevation you will need to add the optional coverage for Athletic Sports & Hazardous Activities the High Option. You may also purchase over the phone by contacting our office at (866) INSUBUY.
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Q:I spoke to one of your agents yesterday regarding insurance for my parents who are travelling to the USA for a short term. I have already taken insurance from you for my in-laws last year. Could you help me with the details on the plan coverage for my parents for 3 months initially and later I can renew it. Arrival to the USA: 14th July 2019 and you can have the end date for the premium as 15th August 2019.

A:
Thank you for contacting Insubuy. Previously you had selected the fixed coverage plan, Safe Travels for Visitors to the USA for your in-laws. We would recommend taking a look at the comprehensive section as those are the plans that will pay a percentage, similar to what you see in domestic insurance plans. You may view the plans in the Visitors to the USA section on our website. If you have additional questions please let us know and we will gladly assist. You can also reach us at our office and any of our licensed representative will gladly assist you.
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Q:I want to get the Patriot America Plus Plan again. I am an American citizen visiting the USA and I want to get a month of health insurance covered. Could you send me the direct link and name of the policy so I can purchase it?

A:
Thank you for contacting Insubuy. Information regarding the Patriot America Plus plan can be found here. You will be able to purchase and get quotes by selecting individual in the upper right hand corner of the screen. If you have any questions regarding the coverage or need assistance in purchasing the plan please let us know and any of our licensed representatives will gladly assist.
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Q:I have a few questions I need clarification on in reference to Patriot America Plus for our daughter who is visiting the US. Deductible - if we choose for example $250, once we pay that out of pocket the plan covers the rest correct? Is that per medical event or the total across the 6 months of her stay? Emergency evacuation - in the event our daughter is hospitalised and needs extended care, this plan will cover her transportation costs to be returned to Australia? Is that correct? Urgent Care - if she visits an Urgent Care center, she will only need to pay $25 regardless if deductible has been paid?

A:
Thank you for contacting Insubuy. Please be advised that after you have met the deductible the plan will pay as per the coinsurance for in or out of network for any eligible medical expense. The deductible in the Patriot America Plus plan is an annual deductible so it would be for the entire duration of those 6 months. The plan also includes benefits for medical evacuation as well as repatriation. As for copayment at urgent care, the $25 is the correct copayment. You will only have to meet $15 at walk in clinics. Please let us know if you have any other additional questions
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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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