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Ask Our Specialists

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

Q:Insurance for Mother in USA Hello. I have a couple of questions about insurance for my mom. She will arrive on this week.She will stay here for 1 month. I am looking for US insurance for her. 1. How long it will take to be insured? If I place order today when I will receive insurance for her? 2. How can I found in-network doctors? My own US insurance company is Empire Blue Cross and Blue Shield. I can go to ZocDoc and find doctor. Which company I should use if I buy your insurance? 3. What about dental coverage? If it is emergency case with tooth? 4. What about hospitals? 5. Emergency car or emergency room. What will be covered? Thank you.

A:
Hello, Thank you for your interest in purchasing insurance through us. Answer for your questions below: 1. Insurance can start as early as tomorrow or any future date that you specify in the application. As soon as you purchase insurance will receive confirmation by e-mail which will have Virtual id card and other documents so you can send it to your mother. 2. PPO network varies on plan. Most of the comprehensive plan will have First Health PPO network or Multiplan PPO network. Blue cross is domestic insurance it’s available only for US resident. You can visit any dr. or hospitals but if you use PPO network there will be contracted rates. First health PPO network link, /travel-and-student-insurance-ppo-network/ 3. This is your medical insurance. Insurance will pay for dental accident related emergency and it has acute dental pain coverage up to $250. 4. Insurance will pay for whatever treatment medically necessary. You will find hospital list in ppo network list. 5. For car accident this is considered as a secondary insurance. Emergency room visit depends on which plan you purchase. Most of the comprehensive plan if you go to emergency room as an accident there is no penalty but if you go to emergency room that does not result in direct hospital admission there will be penalty of either $250 or $200 depends on the plan. Please 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. When you compare it answer most of your questions. Please feel free to contact us if you have any further questions.
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Q:Travel insurance for UK & USA I live in Chennai, India and planning to visit my son in UK from 6th May to 10th June, 2016 and visit my another son in USA from 10th June to 19th November, 2016. I am 66 years old (DOB 2nd November, 1949) & a heart patient with stent implanted. Kindly let me have details & tariffs for insurance during this period in the respective countries with insurance coverage for existing disease at the earliest.

A:
Thank you for your interest in purchasing insurance through us. As a broker, We provide insurance from many companies. You can purchase either Atlas America or Patriot America plus plan. None of the insurance will pay for any routine dr. visit or maintenance for the existing conditions. However some insurance plan provides acute onset of pre-existing conditions for age below 70yrs. More information on acute onset of pre-existing conditions. /visitor-insurance-acute-onset-of-pre-existing-conditions/ Atlas America brochure, instant purchase link, /atlasamerica-insurance/ Patriot America plus brochure, instant purchase link, /patriot-america-plus-insurance/ You can also visit our website at www.insubuy.com Please enter appropriate criteria. Please select coverage area international including USA. 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 Coverage Area I would like to buy visitor medical insurance for my father-in-law visiting next month. During his trip he would stay in two states GA and MA, DO WE NEED TO BUY TWO INSURANCES WITH YOU IN TWO STATES, OR ONE POLICY WILL COVER IN TWO STATES?

A:
Hello, Thank you for contacting Insubuy. You can purchase one plan and you will have coverage in all states. If you need additional assistance please feel free to contact our office.
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Q:Pre-existing condition My question is , I in the USA my knee pain so back, I was seen by Ortho doctor. He stated I needed a Total knee replacement would this insurance cover this

A:
Hello Thank you for contacting Insubuy for your insurance needs. However, there is no coverage that will cover for pre-existing conditions or needed medical treatment. Plans will only cover new accidents and new illness that occur after the effective date of the policy.
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Q:Travel insurance USA query I will be travelling to Atlanta, Georgia this week. I will be buying Travel insurance of $50,000. I wanted to check, if the insurance coverage is limited to one city only or is it applicable all over USA.

A:
Thank you for your interest in purchasing insurance through us. Most of the plans are international will provide you coverage anywhere in the world except your home country and in US you will get coverage in state. Please let us know which insurance plan are you planning to purchase. Meantime, you can visit our website at www.insubuy.com Please enter appropriate criteria and you can select the coverage area also. 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. Thanks for instant reply. Please suggest me a plan as per my travel plan. I will be travelling to Atlanta, Georgia and will stay there from 01st April 2016 to 18 April 2016. However, in between my stay i would be travelling to New York from 11th April to 13th April and Niagara,Buffalo from 13th April to 15th April. Please suggest how shall i buy plan of coverage $50,000. Do i need to buy three insurance covers as per state wise. Hello, The plans will cover you in any state that you visit. Please provide your age for a proper plan recommendation.
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Q:US Permanent Resident Insurance I was referred to you by someone who has used your visitor medical insurance previously. I actually have an immigration visa to the US and upon entering the US on April 5th, I will become a permanent resident. I am expecting to start work around June 6th but I obviously need medical insurance between the time I enter the US and until I start work and get medical insurance cover through my employer. Am I eligible for the visitor medical insurance, even though I will become a US permanent resident when I enter the US?

A:
Thank you for your interest in purchasing insurance through us. You can purchase any of the plan from New immigrant section. Very popular plan is Patriot America. Patriot America brochure, instant purchase link, /patriot-america-lite-insurance/ You can also find many plans at, /new-immigrant-insurance/ Or you can purchase Short term domestic plan also, /short-term-health-insurance/ If you have any further questions feel free to contact us. Aaah, I see, I was in the wrong part. :) Thank you for the correct links. You are more than welcome. 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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