Ask Our Specialists

Thank you for contacting Insubuy. Majority of the plans listed in the quote below are renewable. You would initially purchase for one month, and then renew the coverage month to month as needed. Depending on the plan you purchase there may be a $5.00 renewal charge for each renewal processed. If you have any additional questions please let us know. You may contact our office at (866) INSUBUY. But my question is to buy different plan every month. not same plan. would you please advice? You can purchase different plan every month. But we never advised anyone to do that because when you buy new plan every month it’s new policy that means new deductible, new co-insurance and if person has some problem with previous plan that will be considered as pre-existing conditions and that it will not be covered under new plan. Please read advantage of renewing the policy, /foreign-visitors-insurance/ You can find more information at www.insubuy.com

Thank you for contacting Insubuy. We are a broker and have all of the major plans on the market. These plans are designed to cover you anywhere outside of your home country (New Zealand). There are two categories of short term health insurance plans for a visitor to the U.S. You may purchase either a fixed or comprehensive coverage plan. The fixed plan options will be less expense, and pay a fixed dollar amount as per the schedule of benefits. The comprehensive plan options will pay a percentage of the cost after the selected deductible. Either plan option will cover any new illness, injury or accident which occurs after the effective date of the policy. The plans will not cover a pre-existing condition, immunizations, routine doctors' visits, or medications in relation to a pre-existing condition. Please use the link below to view the plans available. The two most popular comprehensive plan options would be the Atlas America, and Patriot America Plus. If you have any additional questions please let us know. You may contact our office directly at (866) INSUBUY. Visitors to USA: /visitor-insurance/ Atlas America: /atlasamerica-insurance/ Patriot America Plus: /patriot-america-plus-insurance/ Hi Thanks for the prompt reply - if I was to take out an Atlas America travel plan With Acute onset of pre existing conditions, as I understand it , I would be covered for a sudden heart attack as long as I had not seen a doctor with symptoms prior to the start of cover ? What sort of dollar amount would I need to cover hospitalization for this type of emergency ? -as the New Zealand emergency hospital fees are free The acute onset of pre-existing condition coverage is defined as a sudden and unexpected occurrence, something which occurs without advance warning and requires emergency care. Treatment must also be obtained with 24 hours of the occurrence. We would recommend any policy maximum $100,000 or higher in order to cover the cost of a potential hospitalization.

Thank you for your interest in purchasing insurance through us. You can purchase Patriot America plan until you are eligible to enroll in your employer insurance. Patriot America brochure, instant purchase and other useful information, /patriot-america-lite-insurance/ You can also find more plans at, /new-immigrant-insurance/ 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. Have a great day!

Thank you for contacting Insubuy, However there is not a list of doctors that can be sent as there are no PPO networks on fixed coverage plans. The insured is free to visit any provider that they choose but it is up to the provider if they want to bill directly. What does The insured is free to visit any provider that they choose but it is up to the provider if they want to bill directly mean? Do we have to pay out of pocket and then apply for reimbursement from Insubuy? How do I know which doctor accepts it and which hospital accepts it? I appreciate any clarification that you might be able to provide. Thank you. Hello, Again the insured party can visit any doctor they would like to receive treatment. The doctor is not required to bill directly and if they choose not to then the insured person will pay out of pocket and file a claim for reimbursement. The decision to bill directly is completely at the discretion of the providers office. If you have to pay out of pocket your will file a claim for reimbursement.

Thank you for your interest in purchasing insurance through us. Yes. Liaison Continent plan E meets all the Schengen visa requirements. You can pay on behalf of your friend. As soon as you purchase insurance will receive confirmation by e-mail. Which will have Virtual id card, visa letter and other important information. Liaison Continent brochure, instant purchase and other useful information, /safe-travels-usa-comprehensive-insurance/ You can also find more plans for Schengen visa at, /schengen-visa-insurance/ If your insurance premium is less than $150 then you will get insurance card only be e-mail. So you will not get card by regular mail. Please feel free to contact us if you have any further questions.

Unfortunately, the plans that are offered on the market will not meet the requirements as listed. Since it states that the plan must offer full coverage for all pre-existing conditions then you would have to purchase the CCA health insurance to be able to meet that requirement. The plans on the market have waiting periods and limits for pre-existing coverage. If you have additional questions please feel free to contact our office.