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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I am french, and I will go to USA from October 2016 for work. I am looking for an insurance for the 90 first days I will be in USA, from October 25th. I will be 29 years old on July, 31st 2016. I will go to Florida where I will have a postdoctoral position which start on November 1st 2016. I will go to Florida a few days before this starting date. The insurance must follow these requirements: "- Underwriter is rated ,or less than A- by Best, ISI, or Fitch Ratings, Inc. or AA by S&P or B+ by Weiss, or A3 by Moody's Investor Services, OR - Policy is an unemployee group plan or HMO, OR - Policy is backed by the full faith and credit of the government of your home government. - Policy offers medical benefits of at least $100,000 per accident or illness (not per policy period). - Co-payment is 25 percent or less. - Deductible is $500 or less per accident or illness. - The policy does not unreasonably exclude perils inherent to the visitor's program in the U.S. - Medical evacuation to home country is provided in the amount of $50,000 or greater. - Repatriation coverage is $25,000 or greater." Could you please send me an offer for the policy covers that correspond with these requirements?
Q:I want to compare "Student Secure Budget", "Study USA Preferred", "Patriot Exchange Program" and "Student Health Advantage Standard". Does any of these plan provide routine physical exam and immunization coverage?
Q:Please recommend a visitor insurance for m mother. She is visiting IL on a B1 visa and is 73 years old. She will need coverage from 7/20 to 12/31.
Q:I am looking at insurance for my visiting parents and narrowed down Inbound Guest Plan for one month's duration as it covers pre existing conditions. Only my mom (61 years) is on medication due to high BP, but not my dad (64 years) who does not have this issue. I have a few questions: 1. What is the amount covered in case one of the insured person lands up in a hospital due to, say, a stroke or heart attack? 2. Is there any limitation or exclusion to what you would pay for the procedures, tests or inpatient expenses involved? 3. Would any of the above be different for my Mom vs. my Dad? 4. The Pre existing conditions page of the website says that "pre-existing conditions in the last 6 months are not covered". Does that mean my mom would not be covered if she gets hospitalized due to a stroke/ heart attack???
Q:This is Abhishek, I will be coming to United States on J1 visa. I need an insurance for this purpose. I am interested in having an insurance with 100,000$ coverage with 500$ deductible. Can you please suggest me some good policies? Also can you please send me some comprehensive quotes for the medical insurance policy?
Q:I want to buy health insurance through your company starting from November 2016 to January 2017 ( after that i will buy another three months) would you please guide me to the right way and how I can pay the required price?. Details of the Quote (policy max $100,000.. deductible per person 0$). FYI, I have my own health coverage funded by Fulbright Organization. Visa: J-2 Age: 26 yrs State: Texas, city: Austin Dates: 1/11/2016 to 1/1/2017
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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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Healthcare costs are very high in the U.S.
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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.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
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