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Ask Our Specialists

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

Q:Does the International Major Medical plan cover acute conditions, such as acute appendicitis?

A:
This plan will not provide any coverage for pre-existing conditions or acute conditions. Short Term plan for US Citizens / Green card holder don't cover pre-existing conditions.Insurance will pay for any new sickness, injuries or accidents that may occur after the eff. date of the policy. It doesn't cover any pre-existing or preventive care.
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Q:I would like to purchase health insurance that covers for OPT students. I would like to know the available options.

A:
In order to determine your eligibility for this plan please inform of your prior insurance as was your arrival date into the United States as we can determine what plans you are eligible for. Once we receive this information we can find a plan that you are eligible for and answer your questions accordingly. Meanwhile, please feel free to search plans to within the OPT section of the Insubuy website. - OPT Insurance
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Q:I am going to buy insurance with $0 deductible. How long does it take to get an official letter from you to state my coverage to German embassy?

A:
You will receive a confirmation email within 30 minutes of your purchase that will contact your virtual documents in an email that you can use to print out your documents.
{{currentOrigin}}/answers/europe-visa-insurance/visa-confirmation-in-schengen-insurance-25532/

Q:Hello, I have a question about your international student plans. Is it consider to be a travel insurance or a general health insurance? How do I check which facilities are in the insurance's network?

A:
Thank you for contacting Insubuy for your insurance needs. International student insurance plans are not considered travel insurance plans they are health plans that are specially designed for international students while studying abroad. You are able to check the facilities that are in network if you would like to provide the name of the plan that you are interested in we can send you a link to find network providers for that specific plan. Meanwhile, you can view the available plans using the link listed below. International Student Insurance: /international-student-medical-insurance/
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Q:I need to buy a Travel Insurance for Schengen Member States (Netherlands, Spain, France, and Portugal). When i tried to buy the insurance, the website does not have option to choose all countries or Group Schengen Members. It only lets me choose one country only (not all). I wonder if it is okay for Visa Application process.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Atlas International plan. While purchasing insurance you can enter destination US. After that you can add max. 10 destination countries using our current client section here. Please feel free to contact us if you have any further questions.
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Q:We are expecting a baby, he is currently 21 weeks old. We've visited our doctor monthly and all test and examination records indicated everything is fine about the baby and my wife. We are planning to visit US. We will pay the hospital and doctor fees, our budget is $30,000. We are looking for an insurance to cover only unexpected situations about the delivery. Do you provide this kind of insurance and if so, I want to ask if this insurance covers our situation regardless of doctor and hospital which we get served.

A:
There are no plans on the market that will cover the cost of maternity. Anything as it relates to pregnancy for a visitor in the United States will be out of pocket. Please read the Pregnancy Coverage FAQ for more information about maternity coverage in the United States.
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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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