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Ask Our Specialists

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

Q:Do you cover medical insurance for visitors from India to UK at all? I'm very impressed by the comments on your services. I believe your services are only for visitors to the US, but just wanted to check if they extended to the UK at all. I can't seem to find good reliable travel insurance in India or UK (for visitors to the UK).

A:
Thank you for contacting Insubuy for your insurance needs. There are plans available that will cover the insured person outside of their home country. This does not have to necessarily be to the United States. Please use the link listed below to find the available plans for individuals traveling outside of their home country in your case (India to UK). If you have any questions please feel free to contact our office. Travel Outside USA Insurance
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Q:I want to buy Atlas America medical insurance but before that I`d like to know if I can go to hospital in Iowa state, Sedar Rapids? And I`m going to America on July 2nd. When should I buy the insurance?

A:
Thank you for your interest in purchasing insurance through us. Here is the PPO network link for Atlas America. Please enter your zip code and find hospital or dr. name in your area. If you are coming to USA on Jul 2nd then you can purchase latest by Jul 1st. Please let us know if you have any further questions.
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Q:I need to get travel insurance for a schengen visa for my elderly grandfather (92 years old) to visit Italy. I saw on the Italian consulate that this insurance must be "issued in Ukraine" - however because he is 92, he does not qualify for the insurance offered at the consulate. I am in the United States, can I order his policy for him (and pay for it for him) but have his insurance issued in Ukraine in accordance with the consulate guidelines?

A:
Yes. You can purchase insurance on behalf of your grandfather. You can purchase Safe Travel International Cost Saver plan for him and it meets all the Schengen visa requirements. You need to purchase $50k with $0ded. As soon as you purchase insurance will receive confirmation by e-mail which will have a link to print id card and visa letter. If you provide us his travel dates we can send you quote in a separate e-mail. Please let us know if you have any further questions.
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Q:If i visit a non-network provider does that mean i have to pay the entire consultation fee from hand and then claim it from the insurance company?

A:
It is at the discretion of the physicians' office whether or not they would like to bill directly as there is no PPO network, so there is a possibility in this case that you may have to pay out of pocket and file a claim for reimbursement.
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Q:My parents are visiting US for 6 months. My mom is 60 years old and my data is 71 years old. Can you help me to decide between Patriot America and Safe Travels USA Cost Saver plans? The exclusions and Limitations of Safe Travels USA Cost Saver (in the certificate wording) seems to have more conditions listed than Patriot America. But when I use your compare tool, the conditions covered seems to be similar. Which one do you suggest for my parents considering their age.

A:
It is not possible to list all the possible scenarios or conditions in the comparison. It is meant to be an overview only. You are doing the right thing by looking at the details in the certificate wording. I would recommend you to purchase Patriot America, available for instant purchase here.
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Q:I am planning to buy comprehensive medical insurance policy for my parents scheduled to visit in July this year and will stay for two and half months in USA. My father is aged 77 years and my mother is aged 67 years. Can you suggest a suitable plan for a coverage up to $100,000 for each? Also both of them are physically fit but take medications for blood pressure and blood sugar. Will this be considered as pre-existing medical condition? I would like to understand how such situations are dealt if they suffer from any aggravated condition due to such ailments,

A:
You can consider purchasing Atlas America. Yes, those conditions will be considered as pre-existing conditions. For persons below the age of 70 years, it will cover acute onset of pre-existing conditions. Details can be found here. If you have any other questions, please feel free to contact us at any time.
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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.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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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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