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Ask Our Specialists

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

Q:I am thinking to purchase one of your insurances for my adventurous trip in the next year. I would like to explain you about my plan. My plan is: I will go to Indonesia and will stay on a desert island in the country. I will make camping on the island alone. I will do snorkeling, trekking and sea kayaking on the island. So let's say I will do a castaway experience on a desert island. Could you be so kind to send me the info and your advice which insurance I should purchase?

A:
There is a plan called Patriot International that you can purchase to cover the new accidents and new illness that happen after the effective date of the policy. You can add the adventure sports rider onto this plan to cover the activities that you have mentioned in the previous email. Please use the link for more information about this plan and to generate a quote for coverage. If you have any additional questions please contact our office.
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Q:I would like to purchase an International student health insurance, and I have read below comment on the school website: "If you are an International Student you cannot waive coverage unless you are currently enrolled in a fully Affordable Care Act compliant insurance plan through US based insurance company." How can I check if your insurance meets our school's requirements?

A:
Please be advised that none of our plans are ACA compliant. Only domestic insurance like the coverage offered through your school would be ACA compliant. If you have any additional questions, please let us know.
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Q:I want to apply health care insurance for 4 month. My J1 visa program is ended 12/31/17. My J1 program will be extended for 1/1/18 - 4/30/18, but purdue university will not cover healthcare insurance. For extension J1 program, I need document for proof of healthcare insurance. Can I get the document for healthcare insurance right now when I apply or buy healthcare insurance? I have no time to wait document for healthcare insurance. Please let me know

A:
You will receive policy documents in your email as soon as you purchase the plan. If you need additional assistance please feel free to contact our office.
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Q:I want to ask something for purchasing insurance. If I purchase insurance for 4 month, should I have to pay the insurance fee at once or pay per month? And can I cancel the insurance during insurance? Please let me know.

A:
Most of the plans are extendable as well as refundable. However, each plan has their own specific rules and guidelines for each of these benefits. Each plan will have a link for Extendable and Refundable. Click on the link under the plan for their plan specific rules and guidelines. The plans that are extendable or renewable, will allow you to purchase in increments and then renew the plan for additional time before the plan expires. So for example, you could purchase a month of coverage, and then before that month expires, renew the policy for another month. If you have any additional questions, you can contact our office directly at 1-866-INSUBUY, and our licensed agents will be glad to assist.
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Q:When I look into the detailed policy for Travel Lite and Travel SE, I do not see that both plans do cover adventure sports and activities. I am looking specifically into skydiving as I will be doing skydiving in Dubai on Dec 30. My country of residence is United States (Nebraska) and country of citizenship is Malaysia. I am 21 years old this year. Can you provide few plan choices which will cover skydiving? Can you advise which plan is suitable for purchase which will cover skydiving activity and how can I get the quote?

A:
There are 2 plans available that will cover you while skydiving but you will need to add a rider onto the plan in addition to the premium. There is a plan called Patriot International that will cover you while skydiving but you will need to add the adventure sport rider onto the plan. Please use the link for more information on the plan and to generate a quote for coverage. If you need any additional assistance please contact our office.
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Q:Hello, I am moving to France March 1 2018 and would like to see if you offer insurance coverage there. I am currently 15 weeks pregnant and will be 27 weeks once I arrive in France. Can you please advise if you offer coverage and price?

A:
There are plan on the market that will cover you while you are in France they will not however cover any expenses related to your pregnancy. This would be a cost that you would have to pay for out of pocket as the plans will not cover anything that happens before the effective date of the policy. You can review the Medical Insurance for Travel Outside the USA available plans using the link. If you have any additional questions please contact our office.
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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.

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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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