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Ask Our Specialists

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

Q:What plan in the schengen section will provide me a visa letter?

A:
All of the plans in the Schengen visa section will provide a visa letter.
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Q:Hello. I need a health insurance as J1 visitor for 1 year. I have checked the website and I found 3 plans for me: Visitor secure, Indbound USA and Patriot Exchange program. I would like to know if the three plans are available for my status. I write you my J1 requirements: -Medical benefits of at least 100.000 USD per person per accident or illness -Repatriation of remains in the amount of 25.000 USD -Expenses associated with medical evacuation in the amount of 50.000 USD A policy secured to fulfill the insurance requirements shall not have a deductible that exceeds 500 USD per accident or illness

A:
Based on the requirements below, you may purchase any plan in the J1 Visa Health Insurance section of our website. One of the most popular plans is the Atlas Exchange. Please use the links to view the plan details and purchase. You may also purchase over the phone by contacting our office at (866) INSUBUY. If you have any additional questions please let us know.
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Q:Hi I am a senior citizen of India. I will be visiting UK and USA from the end of November, 2017 to mid-January, 2018. I am considering buying health insurance from InsuBuy to cover my entire trip. However, when I tried to get the quote from your website, I was unable to find any option to declare my pre-existing medical condition (if necessary). I am taking medication for high blood sugar, blood pressure and thyroid on a regular basis. Under the circumstances, it would be very helpful if you could kindly direct me to getting the appropriate scheme and quote at your earliest

A:
Since there is no plan you can purchase that will cover pre-existing conditions then there is no need to declare those conditions. Plans will cover any new illness or injury that occurs after the effective date of the plan. Some plans do cover the Acute Onset of a pre-existing condition for individuals under the age of 70. Please see the link for more information about the Acute Onset. Please feel free to contact our office if you need additional assistance.
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Q:I have some questions regarding the coverage offered by the Patriot America Plus policy. 1. If I were have have problems with my wisdom teeth, which have bee diagnosed as potentially needing to be removed, would this be covered as an existing medical condition ? 2. I will be playing high school basketball, is this covered ?

A:
The Patriot America Plus plan will only provide coverage for dental in the event there is an accident related emergency, or an acute onset of pain. They will not provide coverage for the removal of the wisdom teeth. In regards to your second question, the Patriot America Plus plan will not provide this sort of coverage under the Adventure Sports Rider. There may be other options available for you, but in order to recommend the appropriate plan we will need additional information. Can you please provide your visa status, the state in which you will primarily reside, the date of your arrival in the U.S., and your coverage dates? You may also obtain a plan recommendation by contacting our office at (866) INSUBUY.
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Q:My parents come to the US every year for periods up to 9 months. My mom will be 55 and my dad 61 next year. Travel would be between February and September. Dad has type 2 diabetic under control, he is not overweight. Mom doesn't have anything. What are the options for insurance and types of coverage?

A:
You can purchase Atlas America plan. Insurance will not pay for any routine maintenance for the diabetes, however the plan provides coverage for an Acute Onset of Pre-existing Conditions. Please go to the link for more information on acute onset of pre-ex at, Please feel free to contact us if you have any further questions.
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Q:I need to buy travel insurance of euro 30,000 for 10 day travel plan to Europe ( France, Italy and Greece). I am an Indian citizen working in Japan as resident. If I buy from your website: Is the insurance valid for Schengen visa purposes? Will the policy be send by email or by post. How many days will post take to reach my Tokyo address? Is there refund if Visa is not issue or travel plan gets cancelled? Appreciate your response

A:
Thank you for your interest in purchasing insurance through us. We have many insurance plan that meets Schengen visa requirements. As soon as you purchase insurance you will receive confirmation by e-mail. Which will have a link to print ID and visa letter and you can submit those documents to Consulate. Link for Schengen visa insurance Please enter appropriate criteria. You will find many plans. Next to each plan you will find sample id card and visa letter. Please feel free to contact us if you have any further questions.
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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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