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Ask Our Specialists

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

Q:I want to double check that I, as a US Citizen, living in the Netherlands, and returning to the US for a 3 week visit, can buy a Patriot America Plus policy for medical insurance. It would cover me, and my son (who is also a US citizen) as well as my husband who is a citizen of France. All 3 of us live in the Netherlands and have been in the EU since August 1, 2017. I appreciate any help you can give me to help me make a decision in buying temporary medical insurance for my trip to the USA.

A:
Thank you for contacting Insubuy for your Insurance needs. The Patriot America Plus plan is available to your family for coverage according to the information you have provided. You and your son can be on one application as you are both U.S. citizens. You will need to complete a separate application for your husband as a French citizen. If you have any additional questions please feel free to contact our office.
{{currentOrigin}}/answers/visitors-insurance-usa/family-with-multiple-citizenships-including-us-traveling-to-the-usa-77058/

Q:I am traveling to WA DC for one month in May 2019 with a Philippine Passport and US tourist Visa at 82 years old in gold healh. What is the best health & travel insurance I can get from Insubuy?

A:
Please use the link provided below to view the available plans based on the information provided. Out of the plan options available, we would recommend the Safe Travels USA Comprehensive. You may purchase online or over the phone by contacting our office at (866) INSUBUY. Visitors Insurance
{{currentOrigin}}/answers/visitors-insurance-usa/visitor-insurance-for-elderly-over-80-42549/

Q:Hello. I am organizing a lot of people travelling separately (individually, or with a PA) from all over the world (Africa, Asia, Oceania) to the US for a few days in June. It's difficult for many of them to organize travel insurance and wondered if I could to it for everyone under some sort of group scheme. Can I? I understand this is just for medical insurance in the US, and not for other travel ie flight cancellations etc. would you advise that I get additional insurance for that?

A:
Thank you for contacting Insubuy for your insurance needs. Are all of the travelers needing insurance for the same days? If so, then they can all be on a group plan. Otherwise, it would be individual plans. If any of them need assistance we can help them with the process.
{{currentOrigin}}/answers/group-travel-health-insurance/organize-group-travel-69589/

Q:What is the monthly rate for dental insurance?

A:
Are you referring to the Careington Dental/Vision discount plan? The Careington plan is not insurance but a discount plan that costs $11.95 per month with a $20 non-refundable processing fee when you purchase. Here is the link for more information below: Careington Discount Plan
{{currentOrigin}}/answers/other-insurance/careington-discount-plan-cost-96299/

Q:Did you send this as a recommendation for Dad and me to use when we start traveling?

A:
If you have upcoming travel and need coverage, we are advising of changes in benefits that you may be interested in for this particular plan group. If these benefits would work for upcoming travel, we would be glad to assist with obtaining the coverage as this is a recommended plan. Please let us know if you have additional questions, or would like us to provide you with quotes if needed.
{{currentOrigin}}/answers/visitors-health-insurance/general-questions-about-travel-insurance-64237/

Q:Upon review of the link you sent. I become very interested with this insurance. Can you help to guide me on how I can purchase this insurance policy. Please help me with the journey of providing this insurance staring May 1, 2019. As much as possible, I would like to request for the lowest monthly payment to have the minimum requirement below please. - Minimum dollar coverage of $100,000 per illness or injury - Include outpatient care (doctor visits, outpatient surgery, etc.) - Include hospitalization - Repatriation for at least $25,000 - Medical evacuation for at least $50,000 - Cost of deductible, if any, does not exceed $500 per accident or illness

A:
You can purchase the insurance online through the quotes and purchase link: /exchangeguard-insurance/ There are 2 options with Exchange Guard. The Choice Plan and The Essential Plan. The Essential plan will cost less as it has a 12 month waiting period for a pre-existing condition benefit. The Choice plan a 6 month waiting period and therefore a higher premium. You can run quotes in our J1/J2 section, to see all costs for all plans that will meet the requirements, however, Exchange Guard is usually one of the lower cost plan options. Here is the quote link, if you would like to view other plan options as well: /j1-visa-health-insurance/
{{currentOrigin}}/answers/exchange-visitors-health-insurance/exchange-guard-plan-with-low-monthly-payments-option-and-j1-visa-requirements-39247/

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.

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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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