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Ask Our Specialists

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

Q:I am an International student from India, currently studying in Florida International University, Miami, Florida, USA. I want an international insurance for the next term year. I am attaching the Form that the university requires from a third party insurance. I basically wish to find out if your insurance complies with the requirements of FIU? If yes, what will be the prices for the plans?

A:
Thank you for your interest in purchasing insurance through us. You can purchase Study USA Preferred 500 plan. Please review the plan details and feel free to contact us if you have any further questions.
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Q:Hi, I'm looking to purchase a health insurance plan for my family and me. I'll be attending DigiPen Institute of Technology for my master's degree in computer science. My family consists of me (26 years old), my wife (29 years old), and my son (1 year and four months old). There is a minimum policy coverage required by this school Could you please help me check if my plan fulfills all the requirements? I also have another question regarding the cost of this plan. Is $2,689.96 a one-time payment?

A:
Thank you for contacting Insubuy for your insurance needs. Based on the requirements listed in the link you provided, since you are purchasing a $1,000,000 policy max then that should meet their requirements. The $2,689.96 is a one-time payment for the 364 days. If for some reason the school does not accept the plan you can cancel before the effective date and receive a full refund. If you need additional assistance please feel free to contact our office.
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Q:I am from Korea and will start my graduate study on August 19th at the University of Colorado Boulder. I am recommended to purchase an Insubuy insurance from my undergrad international advisor. I am in great need of your help with finding an affordable and good insurance plan that meets ACA (Affordable Care Act). Here, in the below, I am providing my background information for you. Country: South Korea (Republic of Korea) Date of Birth: February 26, 1994 Visa Status: F-1 The school I will be attending: Univerisity of Colorado Boulder The starting date of insurance: August 19th (or a few days before) Must include: ACA (Affordable Care Act)

A:
We would be glad to assist, and we do offer insurance for F1 visa holders. However, our plans are not ACA compliant. The only insurance that would be ACA compliant that would be available to you, would be the insurance offered through your university which is a domestic insurance. If you have any additional questions, please let us know.
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Q:I'm an international student and I'll be going to Graduate School in the next Fall. As an international student my school requires me to have an insurance that has all of the benefits below: Both accident and sickness coverage Minimum benefit $250,000 per policy year A deductible of $500 or less and/or co pay per individual, per year In patient and outpatient, mental and nervous disorder benefits Prescription Drug Coverage Pay benefits worldwide Medical evacuation to one's home country and family reunification of not less than $50,000 Provision for repatriation of remains of not less than $25,000 The student can contact their insurance carrier to see if their policy meets these requirements.

A:
You can purchase Study USA Preferred 500 plan. Please review the plan details and feel free to contact us if you have any further questions.
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Q:I am a green card holder, every year stay about 6 months in USA, Can I buy visitors care insurance for accident care (like emergency care)?

A:
In order to better assist you can you please verify how long you have been green card holder as well as the state that you will need coverage in. You can also look at our greencard holder visiting USA section.
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Q:New Premium Rate Effective September 1, 2017. HTH Worldwide's name will change to GeoBlue and will continue to be the recommended vendor for Duke University Sponsored J scholars and dependents not eligible for a Duke Employee Insurance Plan or a Duke Student Medical Insurance Plan (SMIP). The minimum Department of State insurance guidelines and the coverage Duke University requires for a waiver of the GeoBlue Insurance plan are: Medical benefits of at least $100,000 per accident or illness. Repatriation of remains in the amount of $25,000. Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000. A deductible not to exceed $250 per accident or illness. Waiting period for pre-existing conditions of 6 months (current industry standard). May include provisions for co-insurance under the terms of which the exchange visitor may be required to pay up to 25% of the covered benefits per accident or illness.

A:
Thank you for your interest in purchasing insurance through us. You can purchase ExchangeGuard Choice plan. Please review the plan details and feel free to contact us if you need any further clarification.
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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.

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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