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Ask Our Specialists

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

Q:I chose the plan of Atlas America and I almost bought it !! But the following notice appeared. Please suggest a different insurance company which is registered in CA. CALIFORNIA RESIDENTS SPECIAL NOTICE: 1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS. 2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS. 3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

A:
This notice is applicable to CA Residents. Your father is not CA Resident but you have entered CA address that's why you got this notice. Please read CA notice FAQ in detail. If you are still not convinced. You can purchase Patriot America Plus plan which is very similar to Atlas America plan. Otherwise, you can finish Atlas America application. You can compare both plans at our website.
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Q:My dad is visiting me now and wants to travel to Iceland during his visit with us. He is an Indian citizen holding a valid US visa. Is he eligible for insurance through your company. I did get a quote online and wanted to make sure he can use it.

A:
Thank you for your interest in purchasing insurance through us. Yes. We have many insurance plan that he will be eligible to purchase and meets all the visa requirements. You can purchase Atlas International plan if you need coverage only in Iceland. You can compare the plans here. You can purchase Atlas America plan if you need coverage in US and Iceland. You can find more plans on our website. Please feel free to contact us if you have any further questions.
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Q:My parents will be coming to US in May on a green card (immigration visa based on family immigration) I am looking to get medical insurance for them. Can you please suggest some options. My dad has type 2 diabetes and blood pressure and takes routine meds for it. Well controlled. My mom has blood pressure and she is stable on regular meds. Can you please suggest something other than Obama care/medicare/Medicaid

A:
We have several plans for new immigrants that will cover any new illness or injury that occurs after the effective date of the plan. They will not cover any pre-existing condition, preventative care or routine maintenance. To have coverage for pre-existing conditions you would have to look into ACA plans. New Immigrant Insurance We recommend the Patriot America Plus plan for GC holders below 70. Patriot America Plus If you have additional questions please feel free to contact our office.
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Q:I am arriving to the US (California) this Feb for about 3 years. I am arriving on an O-1 Visa (Artist Visa) and would like to know if I should search your database looking for "visitor insurance" or is there anything else I should do.

A:
Thank you for contacting Insubuy for your insurance needs. Since you will be living in the US for several years you would want to look for plans in the New Immigrant section of our website. The plan that we would recommend is the Patriot America Plus If you have additional questions please feel free to contact our office.
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Q:I am currently applying for a J-1 visa for entry into the US and for that I need short-term medical insurance that covers the minimum requirements (please find the requirement attached to this mail) set out in the pre-arrival information guide sent to me by Sanford Burnham Prebys Medical Discovery Institute. I have an appointment at the US Embassy in Paris on the 6th of February. I plan to arrive in the US around the 16th of February and I will start my work (research scholar) on the 22nd of February. I plan to enroll in Sanford Burnham Prebys group health plan from the 1st of March. And I need to provide a proof of short term insurance coverage upon check in at the institute. Would you please send me a quote for this kind of short term coverage?

A:
Thank you for contacting Insubuy for your insurance needs. If you need a plan which meets the standard J1 visa requirements you may purchase any plan in the J1 Visa Insurance section of our website. One of the plans we would recommend is the Atlas Exchange. ou may 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:I am looking to try and obtain visitor medical insurance for a trip planned to NYC from 4th February to 10th February. I have had a minor surgical procedure which I might need to have a dressing changed & packed. I have contacted a medical practice who have informed of price to pay privately but I was hoping there was an insurance that I could purchase that would cover for the treatment I might need. I look forward to hearing back from you with any options which are available.

A:
Thank you for contacting Insubuy for your insurance needs. We do have medical plans that will cover you for any new illness or injury that occurs after the effective date of the policy. So for anything new you would have coverage. For the current situation, there is no plan on the market that will cover any additional treatment that you might need since the plans do not cover pre-existing conditions outside of an acute onset. If you have additional questions please feel free to 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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