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Ask Our Specialists

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

Q:Payment option for visitor insurance I am trying to buy a visitor visa for myself and my wife for my USA travel. My Indian visa cards are failing by giving an error saying credit card declined contact bank. I want to understand how can i buy the insurance by being in India. Please suggest asap. Is that any one can buy this on my behalf using his bank details and this will not make him liable for my insurance and bills? Please confirm.

A:
Any of your friend or relatives can pay the premium for you using their card that does not mean they will be liable for your medical bills. All the information is confidential and it will not release to hospital or any provider. Sometime credit card from overseas has some limit that you can’t use more than that. But from our side you can use card from here or India doesn’t matter as long as you have enough credit limit. Which insurance plan are you planning to purchase and the premium amount? Please visit our website at www.insubuy.com Please let us know if you have any further questions. Thanks for your reply. I am planning to take Atlas America comprehensive. I have BP and my wife has sugar so we were wondering the Acute onset preexisting can cover us for some emergency. My travel dates are from 15th June to 6th Nov. Anything you would like to suggest before i take the plan. Please provide your ages so we can determine eligibility for the acute onset benefit. Mine is 66 and my wife 64. You and your spouse would both be eligible for the acute onset benefit offered on the Atlas America plan. Please use the link listed below to an FAQ about the acute onset coverage. If you need any further assistance please feel free to contact our office . Acute Onset FAQ: /visitor-insurance-acute-onset-of-pre-existing-conditions/
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Q:Parents visiting USA; Insurance needed I want to take out a travel insurance for 60 days for my parents and in laws starting from first week of July until August end. They have a precondition of Diabetes and would like that to be included. Please let me know what would be the quote or which company can do this. I would expect it to be cashless.

A:
Thank you for your interest in purchasing insurance through us. As a broker, we provide insurance from most of the major companies. None of the plans will pay for routine maintenance for the pre-ex. However, some plan has coverage for the acute onset of pre-existing conditions below age 70yrs.. More information on acute onset of pre-ex, /visitor-insurance-acute-onset-of-pre-existing-conditions/ If you provide their age, travel date and which state do they need coverage will be glad to send you quote by e-mail. Please visit our website at www.insubuy.com Please enter appropriate criteria. You will find many plans, you can narrow by with pre-ex coverage plan and you can also compare them side by side. Whichever plan has a PPO network, next to that plan you will find PPO network link and you can find providers in your area. Please feel free to contact us if you have any further questions.
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Q:address info in insurance application On the 'Application Information' page, what should I put in the 'Country' field? I am in the US and filling the form on behalf of my mom who is in India. She will be travelling soon to the US. I wish to receive her insurance card here in the US.

A:
Thank you for your interest in purchasing insurance through us. Please enter US mailing address. There are two field for the country, one is for mailing address that should be US and her home country and country of Citizenship should be India. You can purchase from our website at www.insubuy.com Please feel free to contact us if you have any further questions. Have a great day!
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Q:Question regarding visitor insurance I am looking to visitor insurance for my parents who are resident of India and visiting us in MD, USA. We are looking to buy Patriot America Plus policy. Does this policy provide coverage for visitors visiting Maryland (MD)?

A:
Thank you for contacting Insubuy for your insurance needs. The Patriot America plan is not available in the state of Maryland. There are other plan that would be available for coverage. There is a plan called Atlas America that is available for purchase as long as the proposed insured is not located in the state of Maryland at the time of application. Please see the link to the plan listed below. Atlas America brochure & instant purchase link: /atlasamerica-insurance/ Thank You for your prompt response. I am getting conflicting information regarding Patriot America Plus plan coverage in MD. I was told by another representative of yours over phone that this plan is not available for purchase in MD. But I can buy it using family and friends address who are out of MD and then coverage will be provided for visitors visiting MD. Please confirm whether this is true? If it true, then I can buy this plan using my sister's address in CA. We would not recommend using another address if the insured will be visiting MD. As long as you purchase prior to their arrival then you can purchase the Atlas America plan as discussed. The Atlas America is very similar in coverage. If you have additional questions please feel free to contact our office.
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Q:Questions about the payment type I have a question to ask about the insurance payment type. could I use my friend's credit card to pay this insurance?

A:
Yes. You can purchase insurance plan from our website at www.insubuy.com using your friend’s credit card. Please feel free to contact us if you have any further questions.
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Q:I plan to purchase the student secure plan. Should my school not accept the insurance, will I get a refund for it?

A:
Please see the cancellation information for the Student Secure plan here. If you need additional assistance 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.

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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