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Ask Our Specialists

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

Q:I am working at the Penn State University on J-1 Visa. I need to purchase backdated insurance for the period of August 13, 2018 to November 9, 2018.

A:
Unfortunately, it is not possible to purchase insurance for a past date.
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/purchasing-backdated-insurance-51612/

Q:I am a Canadian citizen (living in Canada right now) trying to purchase insurance for the J-1 visa for 86 days in Washington for an internship, but every plan I look at I get the following message: "Purchase of this insurance is prohibited. Please choose an alternate plan on this website." Can you please help me choose a plan that will let me purchase?

A:
Try this: /patriot-exchange-program-insurance/
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/purchasing-insurance-plan-for-j1-visa-holder-96915/

Q:My wife and daughter wish to visit China for a holiday later this year but are worried about having to pay out the full cost of the holiday before knowing that they will have their visa applications approved. Is there any way they can insure against this? I am resident in England.

A:
The type of plan you would need is Trip insurance with a cancel for any reason benefit. Unfortunately, that benefit is not available for non-US residents.
{{currentOrigin}}/answers/vacation-insurance/cancel-for-any-reason-non-us-residents-95023/

Q:My son is under OPT in Memphis TN - he had insurance as student till 31-Dec-2018- how to take health insurance policy (including accident coverage)

A:
There are a few plans that are available to OPT students needing coverage. Please look at the plans in our OPT Insurance section to review plan details and generate a quote for coverage of the available plans.
{{currentOrigin}}/answers/international-student-health-insurance/health-insurance-for-individual-on-opt-including-accidental-coverage-22169/

Q:1.I am an international student F1 opt period, and have lived in US over years. May I purchase atlas america travel insurance and get covered? 2. If my birth date is in March, 1989, and the insurance starts from Feb, 2019 to June, 2019. May I declare I am 29 years old when I buy the insurance and get covered through?

A:
You can purchase the plans offered in the OPT Insurance section and you would put your age as of February when you purchase the plan. Plans will cover any new illness or injury that occur after the effective date.
{{currentOrigin}}/answers/international-student-insurance/health-insurance-for-f1-visa-opt-when-to-purchase-73400/

Q:Need to find out information on eligibility of Bridge plan insurance for my mother in law. She came to US on Jan 15 2019 ( was there for about 3-4 months). She has had her green card since 2011 so about 8-9 years, over 70- years of age(DOB 14/10/1947). We are trying for medicaid/medicare for her but was wondering if she is eligible to buy this insurance till she gets something here so may be something for 3-4 weeks. If we needed to use it then we don't want to find out later that she was not eligible so want to check that. If she is eligible, can you send me quote for 3-4 weeks for that insurance. Another question is if she doe get Medicaid ( for part A which covers mainly hospitalization, do you have a policy that will cover the Part B.. if yes what are the cost/details for that. Also one more thing, can you send me a summary of all the payments that we did in 2017 for her policies.

A:
Thank you for contacting Insubuy for your insurance needs. The Bridge plan is available to a green card holder that is not eligible for Medicare. Once they become eligible they will need to at that time enroll. In order to receive a quote you will have to submit an application for coverage as this plan is underwritten for coverage and rates determined accordingly. Typically if someone is eligible for Medicare Part A they will be able to enroll into Part B as well and will need to do so. If you need receipts for previous plans you will need to send an email with the certificate numbers of the policy you need. If you need any additional assistance please contact our office.
{{currentOrigin}}/answers/new-immigrant-medical-insurance/bridge-plan-immigrant-coverage-23879/

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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