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

Q:Travel outside of USA: Group Insurance <a href='/kailash-mansarovar-yatra-travel-insurance/'>/kailash-mansarovar-yatra-travel-insurance/</a> Kindly refer to the above link. We are group of 5 People - 2 under age Group 40 - 50 and 3 under Age Group 50-55 living in Singapore and we are all Singapore Citizens. We are Planning to go to Mt. Kailash-Masaravor Yatra from Singapore. Leaving on 14th April 2016 and Returning Back to Singapore on 30th April 2016. Flight will be as below Singapore to Chengdu (CTU) Chengdu to Lhasa ( LXA ) Return Lhasa to Chengdu Chengdu to Singapore We would like to buy a travel insurance for the above dates. Trekking should be covered. Could you please let me know how much is the cost for insurance, terms and conditions and if possible policy wordings please. Appreciate your swift reply on this. Thank you.

A:
Hello, Thank you for contacting Insubuy for your insurance needs. The link that you have provided has all of the information that you need about the plan and to generate a quote for coverage. If you use the link listed below you will have access to the plan brochure that will provide you all of the plan benefits. You will also be able to review the legal certificate wording that will detail all of the specifics about the plan. You Please contact our office if you would like to discuss this plan with a licensed agent. Atlas Group Insurance: /atlas-group-insurance/
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Q:Policy Max for 70 year old: Permanent Resident of USA I am an Indian citizen, 70 years old. I am a Permanent resident of USA. I will visit Cleveland, Ohio, USA from 05.25.16 to 08. 28.2016 I have no pre-existing disease. I like to have a policy maximum of $ 2,00,000 to $ 3,00,000 in comprehensive coverage plan. Please quote the premium amount. Thanks,

A:
Thank you for your interest in purchasing insurance through us. At age 70. You can get maximum $100k to $150k not more than that. Please visit our website at /new-immigrant-insurance/ Please select policy max. $50k or $100k-$125K. 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:Visitor to USA Sir a few ques regarding travel insurance 1.. what is deductible , do i have to pay now along with insurance premium? or when will it be deducted 2. does it cover Canada , i am travelling from India to Canada via Amsterdam , Then From Canada to USA ..About a month Long trip, Does it cover any emergencies during the travel period , in whatever country they are? 3. The insurance premium of 2 lakh dollar is 185 and 5 lakh is 189? how is it so? 4. We three family members travelling all 18 + ...do we have to take separate policies?

A:
Thank you for your interest in purchasing insurance through us. Answer for your questions below: 1. Deductible is the amount you must pay before insurance pays anything. No. In order to have insurance you need to pay only premium. Deductible you will pay only if you need to use the insurance. You choose higher/lower deductible. If you take lower deductible your premium will increase and higher deductible you will pay lower premium. 2. While getting the quote on our website at www.insubuy.com Please select coverage area international including USA. So you will get the plans that provides coverage anywhere in the world except your home country. 3. Probability of using $200k or $500k is very less for whoever is taking that policy max. That’s why there is minimal difference in the premium. We always suggest to take higher policy max. 4. Yes. 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:Pre-existing conditions coverage for age 70 plus I am looking for recommendations of visitor heath insurance plans with pre existing conditions for my dad who is 71 yrs of age.

A:
Thank you for your interest in purchasing insurance through us. As a broker we provide insurance from many companies.. None of the short term plan for an international visitor will cover routine maintenance or dr. visit for the existing conditions. We have many plans that covers acute onset of pre-existing conditions. From 08/15. Under some plan you can get $25000 coverage under acute onset of pre-ex up to age 89yrs. More information on acute onset of pre-ex at,/visitor-insurance-acute-onset-of-pre-existing-conditions/ If you send his travel date, which state do you need coverage will be glad to send you quote also. Meantime, you can visit our website at www.insubuy.com Please enter appropriate criteria. You will find many plans and you can also compare them side by side. If you have any further questions feel free to contact us.
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Q:Visitors to USA Insurance Dear Team. I would like to purchase insurance for my parents and in-laws (four of them coming together to USA, Georgia from India). I would like to have a comprehensive discounted quote. Their details are:- Arrival:- 17th April, 2016 Departure:- 11th October, 2016 Traveler 1:- Male, 13-Feb-1950 Traveler 2:- Female, 04-Mar-1953 Traveler 3:- Male, 07-April-1953 Traveler 4:- Female, 02-April-1962 500$ deductible and Coverage of 100,000 was what I was looking at but i would like to get your recommendation.

A:
Thank you for your interest in purchasing insurance through us.. We have sent quote in a separate e-mail for your parents and in laws. Our system by default send quote with $250 ded. But there is drop down box for ded. You can choose the ded. And get premium accordingly. Meantime, you can visit our website at www.insubuy.com You have to get separate quote for your parents and in laws. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. You can purchase either Patriot America plus or Atlas America. Both of them very similar plans. Please feel free to contact us if you have any further questions.
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Q:Visitors insurance USA vs. India Comparison My in laws would be visiting USA from India for 2 months. I want a health insurance suitable for them and need your help with the same.

A:
Thank you for your interest in purchasing insurance through us. As a broker we provide insurance from many companies. Essentially all the plan fall into two categories fixed plan and comprehensive plan. Fixed plan cost less and it provides limited coverage while comprehensive plan cost more and it provides better coverage. If you provide their age and travel dates will be glad to send you quote by e-mail. Meantime, you can visit our website at www.insubuy.com Please 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. Have a great day! Please send me both the quotes (fixed as well comprehensive) I also want to know the network - which all hospitals/doctors are supported by Father in Law is 63 years old and my mother in law is 62. Travel dates are April 28 to June 30 2016. What is your opinion of travel insurance policies from India - likes of star health insurance and HDFC ergo? Thank you for your quick response. Most of the comprehensive plans that we offer have a PPO network. When we send the quote next to each plan in details section PPO network link will be there. You can click on it and find dr. name or hospitals name in your area. As you know we provide insurance only from US Companies. We don’t deal with any overseas companies. Please read article below for more information /visitors-insurance-usa-india-comparison/ We will be glad to explain the insurance plan that we offer but for Overseas companies you have to contact them for their product information. Do your own research and you can decide whether you should purchase insurance from US companies or from overseas companies . We have sent you quote in a separate e-mail. Please let us know if you have any further questions. Have a great day! Thanks a lot for this! Is it possible for you to highlight the significant differences between fixed and comprehensive? Yes. Please read, /visitors-insurance/ The quote we sent you next to each plan there a check box. You can check the box and compare them side by side. Please let us know if you need any further information.
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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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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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