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Ask Our Specialists

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

Q:I need your help ASAP as my son is travelling and going to live in the USA for 12 months and requires medical insurance that covers AVIATION as student! I have looked at all your policies and there are no clear lines identified to support this. I need you to provide this information as I need to find an appropriate medical and travel policy for him as early as tomorrow. I have read all your threads re M1 visa and AVATION and they are NOT CLEAR and DO NOT provide me with the necessary confidence that they will ensure cover for him. Information currently identifies a loop that Atlas America can do this. So my question is can you suggest the best policy for him as a 26 year old for 200,000- 300,000 cover that includes AVATION! I appreciate your timely matter with my request as I need to find the answer before he departs tomorrow. My second question is if we take a policy now that I see as the closest to support his needs can this be changed and included when he arrives and contacts you with further details from the aviation college to suit his specific needs? Waiting your speedy response and advice.

A:
There are plans that will offer coverage for a M visa holder however there is no plan that will cover him while Flying. The plans will only cover him for any new accident or illness that happens outside of his studies. Aviation is typically excluded from policies unless it is solely as a passenger on a commercial flight. If you need any additional assistance please contact our office.
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Q:I would be travelling to Europe in the coming weeks, and would like to purchase a visitor travel insurance. I have a few questions regarding the purchase of the insurance: 1) As I plan to tour a few countries within Europe, would the insurance cover my entire trip? I am only given the option of choosing one single destination when I try to purchase any insurance plan on the website. 2) Do I need to return to the country of departure for my insurance to be valid?

A:
Most plans will cover you anywhere outside of your home country or country of citizenship depending upon the plan that you select. You are able to add additional countries after your purchase if you would just like them added to your visa letter. Please look at our Travel Outside USA Insurance section. If you have questions please contact our office.
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Q:I am going to purchase the Student Elite policy later today. I have got to forward quite a lot of info to the school. Is everything related to the policy emailed as soon as purchased? I only have a few days to sort out the university.

A:
You will receive the policy documents via email within 30 minutes of your purchase. You will also receive physical documents in the mail within 7 to 10 business days. If you have any additional questions please contact our office
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Q:I am 63 in reasonably good health. BP 120/80 usually. BMI is fine. Was a sports official. However I have an esophageal stricture. I have been managing it with soft diet and reduced stress but something may need to be done. I have PhilHealth which is actually pretty good. And fees here in Baguio are lower. I'm looking for something that covers this pre-existing condition. No plans to have any medical care elsewhere.

A:
There is no plan that you can purchase that will cover an existing condition. Plans will cover any new illness or injury that occurs after the effective date. If you have additional questions please feel free to contact our office.
{{currentOrigin}}/answers/visitors-health-insurance/health-insurance-that-cover-pre-existing-conditions-18326/

Q:Do we get any loyalty benefits?

A:
Please note that insurance prices are fixed by the law. Therefore, we are unable to make any changes to the price.
{{currentOrigin}}/answers/international-travel-health-insurance/loyalty-benefits-purchasing-from-insubuy-67364/

Q:My wife came to the united states from the Philippines. She doesn't have her green card yet. Can i get her dental insurance

A:
While there is no short term dental insurance plan we do offer the Careington Dental/Vision Discount plan. If you need additional assistance please feel free to contact our office.
{{currentOrigin}}/answers/other-insurance/visitor-to-the-us-dental-insurance-32572/

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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