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Ask Our Specialists

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

Q:J1 Chinese speaker needed I am visiting scholar,J-1, I want to pay the insurance, I need service in Chinese Service.

A:
Thank you for your interest in purchasing insurance through us. Our Chinese representative will be in the office after 12::01PM CST. So he will get back to you after 12PM. Meantime, you can visit our website at, /guoji-yiliao-baoxian/ If you have any further questions feel free to contact us.
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Q:State department requirements J1: A.M. Best rating I am looking to buy insurance for international short term scholars for an upcoming nine day stay in Dallas. In accordance with the State Department, I was wondering if your company meets all the requirements. I was looking on your website, but cannot find the A.M. Best, McGraw Hill Financial/ Standard & Poor's Claims paying Ability, Weiss Research, Inc., Fitch, or Moody's Investor Services ratings. Is there any way you could tell me what these are?

A:
Thank you for your interest in purchasing insurance through us. A.M. best rating you will find in the brochure for each plan. Before we suggest any plan would like to know your insurance requirements. Once we get those requirements will be glad to suggest some insurance plan accordingly. Meantime, Please visit our webstie, /j1-visa-health-insurance/ Please enter appropriate criteria. You will find many plans and next to each plan there is a link for the brochure, and compare button. You will find rating for each plan in both places. If you have any further questions feel free to contact our office at (866)INSUBUY. Thank you for your quick response. The requirements for our insurance are: 1. Medical Benefits of at least $100,000 US dollars per accident or illness. 2. Repatriation of remains in the amount of $25,000 US dollars (Definition of Repatriation: If a person dies in a foreign country, we say they are "repatriated" when their body is returned to the native country. Repatriation insurance is used for transportation expenses related to returning the deceased to their native country.) 3. Expenses associated with the medical evacuation of the non-immigrant student to home country in the amount of $50,000 US. 4. Deductible not to exceed $500 per accident or illness. 5. An A.M. Best rating of ''A-'' or above; 6. McGraw Hill Financial/Standard & Poor's Claims paying Ability rating of ''A-'' or above; 7. Weiss Research, Inc. rating of ''B+'' or above; 8. Fitch Ratings, Inc. rating of ''A-'' or above; 9. Moody's Investor Services rating of ''A3'' or above Do you have insurance that meets these requirements? You can purchase either Inbound USA - Fixed plan or Patriot Exchange- Comprehensive plans Patriot Exchange Program brochure & instant purchase link: /patriot-exchange-program-insurance/ Inbound USA brochure & instant purchase link: /safe-travels-elite-insurance/ You can compare these plans at /j1-visa-health-insurance/ Patriot Exchange plan you can purchase only in monthly increment. If you have any further questions feel free to contact our office. As I was looking through the different plans, I noticed that there was a large price difference between the Inbound USA and the Patriot Exchange Program. Is there a reason that one is significantly more expensive? I just want to double check that I am purchasing the correct insurance for the state department standards if I go with the Patriot Exchange plan. Inbound USA is fixed coverage plan. Please read how Inbound USA plan works, /safe-travels-elite-insurance/review/ Patriot Exchange plan is comprehensive coverage plan and this plan you can purchase only in monthly increments. You can't purchase for 10 days. You can purchase but still you have to pay premium for whole month. Link for Patriot Exchange how plan works,/patriot-exchange-program/exchange-visitors-insurance/ You can also compare these plans at, /j1-visa-health-insurance/ Please enter appropriate criteria, select policy max. $100k-$150k . You will find 3 plans and next to each plan there is a check box. You can check the box and compare the plans side by side. If you have any further questions feel free to contact us.
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Q:Medical evacuation and repatriation remains plan for J1 I am a J1 postdoctoral scholar and I have recently started working in Arizona State University. The university provides me with medical coverage and benefits, however I am required to purchase separately a medical plan for repatriation remains and another one for medical evacuation. Could you please send me a quote for a 6-month contract for these two insurance plans? I was born in 11th of July 1984 in Greece and I am a Greek citizen.

A:
Thank you for your interest in purchasing insurance through us. There is no plan that covers only evacuation and repatriation. It will have medical also but very limited and it’s secondary to any other medical insurance you have. You can purchase Inbound USA plan to cover evacuation and repatriation coverage. Inbound USA brochure, instant purchase and other useful information. /safe-travels-elite-insurance/ Please review this and if you have any further questions feel free to contact us. Due to popular demand, we now have a plan that would cover only medical evacuation and repatriation. Please look at /medical-evacuation-and-repatriation-insurance/
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Q:J1 insurance Hello! I am currently holding a J1 health insurance plan with ISO, which I purchased myself for a year coverage from 11/11/2015-11/10/2016. I am hoping to extend it right now for my J1 extension till 11/10/2017, but the ISO company does not provide extension till early April. I am looking for other insurance company and hope to get a competitive price as ISO, too. The insurance coverage from school is listed. Thank you for your assistance! J-1 health insurance must provide the following minimum coverage: 1. Medical benefits of at least $100,000 per accident or illness; 2. Repatriation of remains in the amount of $25,000; 3. Expenses associated with the medical evacuation of exchange visitors to his or her home country in the amount of $50,000; and 4. Deductibles not to exceed $500 per accident or illness. Any policy, plan, or contract secured to fill the above requirements must, at a minimum, be: 5. Underwritten by an insurance corporation having an A.M. Best rating of A or above; a McGraw Hill Financial/Standard & Poor's Claims-paying Ability rating of A or above; a Weiss Research, Inc. rating of B+ or above; a Fitch Ratings, Inc. rating of A or above; a Moodys Investor Services rating of A or above; or such other rating as the Department of State may from time to time specify; or 6. Backed by the full faith and credit of the government of the exchange visitors home country; or 7. Part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor; or 8. Offered through or underwritten by a federally qualified Health Maintenance Organization (HMO) or eligible Competitive Medical Plan (CMP) as determined by the Centers for Medicare and Medicaid Services of the U.S. Department of Health and Human Services.

A:
Thank you for your interest in purchasing insurance through us. We have many plans that meet your school requirements. You can purchase either Inbound Immigrant- Fixed coverage plan or Patriot Exchange – Comprehensive coverage plan. Inbound Immigrant brochure, instant purchase and other useful information, /international-major-medical-insurance/ Patriot Exchange Program brochure & instant purchase link: /patriot-exchange-program-insurance/ You can compare these plans at /j1-visa-health-insurance/ If you have any further questions feel free to contact our office.
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Q:J1 insurance policy fulfillment Dear Insubuy, I am residing in Seoul, South Korea now. I need to buy Patriot Exchange insurance for my postdoctoral position in University of Arizona, starting from April 01, 2016. May I ask if you can deliver the real insurance card into my address in South Korea? Because I didn't see you mention card delivery outside of US. Thank you for your reading.

A:
Thank you for your interest in purchasing insurance through us. Under Patriot Exchange plan as soon as you purchase insurance will receive confirmation by e-mail which will have virtual id card and other important document and next business days insurance card will be mailed to you on whichever address you specify in the application. Patriot Exchange brochure, instant purchase and other useful information, /patriot-exchange-program-insurance/ Please feel free to contact us if you have any further questions. Thank you for your quick reply, I have one more questions concerning a suitable plan. Besides Patriot Exchange plan, could you suggest another suitable plan for my situation below: Because my employee insurance from University of Arizona may kick in within 12 to 24 days from my starting day (April 1, 2016). I think I need a plan which can be renewed during the above mentioned time, more importantly, it can satisfy the below requirements. US DEPARTMENT OF STATE REQUIREMENTS • medical benefits of at least $100,000 per accident or illness • a co-payment not greater than 25% of the covered benefits per accident or illness • a deductible not to exceed $500 per accident or illness • a waiting period for pre-existing conditions that is reasonable by current industry standards • coverage for activities inherent to the exchange program (i.e., flight training for an aviation school) • repatriation of remains in an amount of $25,000 • expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000 The Patriot Exchange Program will be the best plan to meet the listed requirements. The plan can be purchased monthly so if you purchase for 1 month if you need to extend the plan you would be able to. If you need any additional assistance please feel free to contact our office.
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Q:J1 visa health insurance I am in the US with J1 visa status(research scholar in Penn State University). I d like a plan which can cover the J1 Visa' s Insurance Requirements.(from 2/4/2016 until 8/9/2016)

A:
If your insurance requirements are basic J1 visa requirements then we have many plans that meet the basic requirements. You can purchase either Patriot Exchange – Comprehensive plan or Inbound USA Fixed coverage plan. Patriot Exchange Program brochure & instant purchase link: /patriot-exchange-program-insurance/ Inbound USA brochure & instant purchase link: /safe-travels-elite-insurance/ You can compare these plans at /j1-visa-health-insurance/ If you have any further questions feel free to contact our office. Do you have any plan similar to the attached? If you are required to purchase a plan like the one attached then your only option will be to purchase the plan through your sponsor. The plans we offer are not ACA compliant, they are not similar to the plan attached. If you have any 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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