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Ask Our Specialists

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

Q:I am a transfer graduate student in Umass, a J-1 holder. I will stay here until May 20, 2017. My date of birth is 1989-02-08. I am writing to consulting whether your insurance could be comparable for my case. I am not clear about the specific requirements of Umass Health Service. The person in charge just told me I should have a comparable one if I don't buy the campus insurance. Here's the link of their requirement: If you could recommend some plans for me ( or whether this is just what i quote from your website?), I could ask the University's health service whether it is comparable or not before I pay for that. Thank you so much for your help. Looking forward to your reply.

A:
Thank you for your interest in purchasing insurance through us. Unfortunately, the plans you would be able to purchase outside of the university will not be comparable to the plan they offer since that plan is a domestic plan. You would have to purchase the plan from the university to be able to meet that requirement. If you have additional questions please feel free to contact our office.
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Q:Do you have an insurance plan that waives the Boston University international student requirement?

A:
Unfortunately, there is no plan on the outside market that is ACA compliant that you can purchase. The only way for you to have a compliant plan is to purchase directly from the university. If you have additional questions please feel free to contact our office.
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Q:Do you have an insurance that meets the requirements for the University of California - San Diego?

A:
Unfortunately, your requirements state you must have a plan that meets ACA requirements and the only way to meet those requirements will be to purchase the plan through your university. The plans that can be purchased on the market will not meet the requirements as listed. If you have additional questions please feel free to contact our office.
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Q:I am a graduate student at the University of Texas at Austin. May I please ask if you have cost-effective insurance plans that meet my school's requirements?

A:
Unfortunately, according to your requirements you must have a health insurance which complies with the PPACA. The only way to meet this requirement is to purchase directly from the university. The plans that are available on the outside market will not meet this requirement. If you have additional questions please feel free to contact our office.
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Q:Coverage state to state? Hi I live in Chile and plan to visit the US for three weeks with my son. I selected your online offer for medical insurance during this time. In the buying process I'm asked for the state I want to travel to. Problem is that we’ll visit various cities (Miami, San Francisco, Chicago, Washington DC and New York). Obviously I'm looking for coverage for the full trip, not only for one state. Is that guaranteed? If so, why do you ask for a state? Kind regards

A:
Hello, The reason the state is asked for is because there are some state restrictions. When providing the state choose the state that you will be using for your mailing address. Once you have purchased a plan it will cover you in all the states.
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Q:Coverage for Sports Insurance Dear Sir/Madam, I am from new zealand, looking for insurance coverage for a long distance triathlon race I am competing in in Sweden on the 27th of June this year. It is a 4km swim, 120km bike and 30km triathlon. I already have comprehensive travel insurance for the duration of my trip, however I have learnt this does not cover my participation in the race nor my training in the week leading up to the event for which cover is needed. I need to demonstrate to the international triathlon authority that I am covered in the event of accident during my training and the race. My period of training will be from the 20th of July to the 27th and the race is on the 27th. The international triathlon authority or ITU stipulates: As per section 2.6 of the ITU competition rules: 2.6. Insurance: a.) Each athlete competing in an ITU event must have personal insurance coverage, guaranteed by their NF. This insurance will cover: (i) Any accident occurring before, during and after any competition; (ii) Any sickness that an athlete could suffer during a trip to a competition or event; (iii) Liability caused by an athlete during the competition. b.) The athlete’s NF guarantees the existence of this insurance by entering an athlete in an event. LOCs or NFs organizing an event cannot force the athletes to pay for a race day fee for insurance purposes. I need coverage in regards to 2.6. a. i, and iii. Can you quote me for insurance for training during the week leading up to the race and for competing in the race. Thank you.

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, there are no plans that will cover any organized, sanctioned events or practices. Any competitions are excluded from the policies, sports are only covered as leisure activities. If you need any further clarification 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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Visiting USA?

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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You don't need to purchase travel insurance for every trip.

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Most schools require international students to purchase health insurance.

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