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Ask Our Specialists

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

Q:Pre-existing conditions USA visitor I am coming to the USA from 17 June 2016 to 23 July 2016. I am currently pregnant and will likely be having a c-section on 4 May 2016. My obstetrician says I should be fine to fly. Can I obtain health insurance for complications post surgery for the above time period? I also have epilepsy (diagnosed in 2004- have had no seizures since 2004, medication was increased 6 weeks ago due to weight gain associated with pregnancy)

A:
Thank you for your interest in purchasing insurance through us. Insurance will pay for new sickness, injuries or accident that may occur after the eff. date of the policy. No pre-exisitng or preventive care. However some plan has coverage for acute onset of pre-ex coverage. Please read more information, /visitor-insurance-acute-onset-of-pre-existing-conditions/ Please visit our website at www.insubuy.com Enter appropriate criteria. You will find many plans and you can also compare them side by side. If you have any further questions feel free to contact us.
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Q:Insurance for mountaineering course I just spoke with Sean about trying to find a plan to cover my 18 year old son while he does a mountaineering course in Wyoming. The course is run by National Outdoor Leadership School and the maximum elevation is 4300 meters. They will be using ropes and ice climbing equipment. We live in Australia and he is a dual citizen of Australia and USA. He will be traveling in the US from May 3 to September 6, but the mountaineering course is only from June 2 to July 1.

A:
After researching a few companies we have one company that will cover his climb, but they are requiring special rating. We have sent over the information that we have to the underwriting department and as soon as we have a proposal back we will send it over to you. If any additional information is required we will be in contact. If you have any questions please feel free to contact our office.
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Q:Granddaughters visiting USA; insurance needed We need insurance for my two granddaughters who lived in south america and are coming for these summer vacation 2016 about three months, but, they are born in USA, can we bought a policy of insurance for both girls with you.. Thanks very much.

A:
Thank you for contacting Insubuy for your insurance needs. As U.S. citizens coming to visit the United States there are few available plan options. There is a plan called Liaison Continent A that will offer coverage for a United States citizen. Please use the link listed below for more information about the plan. If you have any further question please feel free to contact our office. Liaison Continent A brochure & instance purchase link: /safe-travels-usa-comprehensive-insurance/
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Q:Parents visiting USA; Insurance needed My parents are visiting USA from India for period of 2 months. I wanted to know which is the best insurance plan for them. Any advise will be highly appreciated :) Their age is 72 and 62.

A:
Thank you for your interest in purchasing insurance through us. We have several plans for your parents that will cover any new illness or injury that occurs after the effective date of the policy. However, some plans provide coverage for acute onset of pre-existing conditions. The plan I would recommend is the Patriot America plan or Safe Travels USA Comprehensive insurance for 72 years old and Patriot America Plus for the 62 year old. Patirot America brochure, instant purchase link, /patriot-america-lite-insurance/ Patriot America Plus brochure and instant purchase link: /patriot-america-plus-insurance/ Updated 08/15: Safe Travels USA comprehensive insurance plan brochure, instant purchase link, /safe-travels-usa-comprehensive-insurance/ You can look for additional plans here: / Just enter the information and review the available plans. If you need additional assistance please feel free to contact our office.
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Q:Start/End date Atlas America Question I am looking to buy ATLAS AMERICA for my parents coming from Pakistan. The Start Date/End Date is based on time in USA or based on time in usual country of residence i.e. Pakistan?

A:
Thank you for contacting Insubuy for your insurance needs. The times for the policy will start and end according to U.S. Eastern Standard Time. Please use the link listed below for more information about the plan and to make you final purchase. If you have any further questions please feel free to contact our office. Atlas America brochure & instant purchase link: /atlasamerica-insurance/
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Q:Atlas America Insurance Questions I am looking to buy ATLAS AMERICA plan for my parents visiting from Pakistan. If I buy the policy as a couple (My father & mother) in a single transaction; 1. Will they be issued a single policy or two different policies? 2. Suppose there in a policy maximum of 100,000 dollars, does this mean 100,000 dollars for each one of them or 100,000 dollars for both of them together? 3. Suppose there is a deductible of 1000 dollars, does this mean a deductible of 1000 dollars for each of them or 1000 dollars for both of them together? 4. How long does it take to issue policy once payment has been made?

A:
Thank you for your interest in purchasing insurance through us. Answer for your questions below: 1. You can do one application for both parents but they will have separate policy certificate number. 2. Policy maximum is per person not combine. 3. Deductible is also per person. 4. As soon as you purchase insurance will receive confirmation by e-mail which will have Virtual id card and other documents and insurance card will be mailed to you on next business day. Policy can start as early as tomorrow or any future date that you specify in the application. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ You can also find more plans at www.insubuy.com Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
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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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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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