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Ask Our Specialists

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

Q:I am looking into various insurance policies for a Schengen visa application. In case the visa application is rejected, will I be able to receive a full refund?

A:
If you cancel prior to the effective date then you will receive a full refund.
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Q:I read about visitor insurances in your website. I have some questions about Atlas America as follows 1. Does the PPO network in this insurance include the hospital of the University of Pennsylvania? If the hospital is in the network, does it means that I can receive treatment with all doctors in the hospital? 2. I am non US citizen and live outside America. I have searched that the cost of the insurance is about $200. Are there any addition fees or tax if I purchase online? 3. When will insurance card and document be sent to my home country outside USA? Or I will receive only a virtual id card in the email. 4. I will go to Philadelphia. Can I buy this insurance in Philadelphia? or I need to buy before my arrival. 5. If I select an effective date on March 1st and I have an accident at the airport in Asia, however the date in US is still on Feb 28th. Can I claim the hospital bill? Do I need to select the effective date to match the date and time in US. 6. Regarding the emergency medical evacuation, does it include the medical evacuation to my home country? 7. Is the Atlas America the same as the Atlas Travel?

A:
To answer your questions please see the following bullet points: 1. Here is the link for the provider search /travel-and-student-insurance-ppo-network/. In most cases the doctors are also contracted. 2. The cost is the same at the time of purchase. There are no additional changes added. 3. Once you have purchased the plan you will receive an email confirmation with all of the policy documents. If you also request the ID card to be mailed then it will be sent out in 5-7 business days. We don't usually recommended using an address outside of the US for mailing. 4. You can purchase before or after arrival in PA. 5. The dates of coverage are according to US EST so you wouldn't have coverage until the effective date according to EST in US. 6.The plan will provide medical evacuation to the nearest adequate medical facility that can treat you. 7. Yes
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Q:For getting my J1 visa, I'll need a three-year insurance plan for Medical Evacuation and Repatriation Insurance only. Do you have this kind of plan? Thanks in advance for your response.

A:
Thank you for contacting Insubuy for your insurance needs. We have the Atlas MedEvac plan that can be purchased initially for the first year and then renewed for an additional year. At the end of that time it can be renewed for additional time. We will contact the benefits department if it's possible to have the plan for the total 3 years now. If you need additional assistance please feel free to contact our office. Please see the link below for the Atlas MedEvac plan. Atlas MedEvac
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Q:I want to buy insurance I'm from Israel and traveling at the moment in India and I want to know if I can insured myself through your website when I'm outside of my country I don't want to buy and to find that I'm not covered.

A:
You can purchase insurance from our website. Insurance will pay for new sickness, injuries or accidents that may occur after the effective date of the policy. It does not cover any pre-existing or preventive care. You do not have to be in the U.S. or your home country at the time of purchase. If a plan has certain geographic restrictions regarding citizenship, home country, or destination, that information will be provided in the geographic restriction link for each plan. Each plan will also advise of the coverage area such as coverage anywhere outside home country including during travel.
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Q:I am traveling often to Norway to visit my husband and typically go with a basic insurance plan. I will travel next month and am 27 weeks pregnant. I am afraid that I may have to give birth, could you provide insurance that would cover me?

A:
We have only one plan that will cover complication of pregnancy up to $2500. The product name is Safe Travels International
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Q:am an international student with an F1 visa. I already have a health insurance but my school is requesting me to purchase a supplemental policy that covers repatriation and evacuation. I have found on your website the following plan: However, my school policy says I need to purchase a plan that covers at least $50,000 for repatriation and at least $50,0000 for evacuation. According to the plan offered by your company, it covers $50,000 for evacuation and $25,000 for repatriation. So, my question is: do you have a plan that satisfies my school's policy ($50,000 evacuation & $50,000 repatriation? Looking forward to hearing from you.

A:
Thank you for contacting Insubuy. The Atlas MedEvac plan will not meet your University's requirements. You may purchase a plan such as the Atlas America, or the Atlas Exchangeas either plan will provide coverage limits sufficient for the emergency medical evacuation and repatriation of remains. Please use the links provided below to view the plan benefits and purchase. You may also purchase over the phone by contacting our office at (866) INSUBUY.
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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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