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Ask Our Specialists

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

Q:My mother (60 years old) is visiting me for 6 months. I need to know the best comprehensive insurance plan. I did look at Safe Travels USA Cost Saver, Patriot America. But need help in picking the right one.

A:
Thank you for your interest in purchasing insurance through us. You can purchase Patriot America Plus plan. You can also compare these plans on our website. If you have any further questions feel free to contact our office.
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Q:I am planing to buy health insurance for my parents and in the application it is asked to enter spouse details as well. My question is the Quote that gets generated, is it for both primary applicant and spouse or it is per person basis ?

A:
Thank you for your interest in purchasing insurance through us. Yes. Quote will be for both parents. Next to the quote it says primary applicant and spouse. If you provide their age, travel date and what policy max. you want we can send the quote by e-mail also. You can also visit our website for more additional information Please enter appropriate criteria. You will find many plans and you can compare all the plans side by side. Please feel free to call our office at (866)INSUBUY and any agent in our office will be glad to answer all your questions.
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Q:I have question regarding health insurance coverage for seniors , I need to purchase health insurance coverage (inpatient only) for my Father, He is 76 years old, in good condition, living in Jordan, do you provide health insurance coverage for Jordan only (inpatient) ?, and what is premium ?

A:
Thank you for contacting Insubuy for your insurance needs. However, insurance plans are only to cover outside of the home country. If you father is needing coverage within his home country of Jordan there are not any plan options that we can offer him.
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Q:I am a resident of India. My daughter who is living in USA intends to buy a patriot america plus insurance for our upcoming three month visit to USA for myself and my wife. I am 64 and my wife 61. We are looking for a $500000 insurance. The wordings at different places on acute onset of pre existing condition is confusing. At one place it says coverage to policy maximum and at another place it is limited to $25000 for under 70 years of age. If we look at Atlas America the wordings are clear, it covers to the maximum.Can you confirm which one applies to me? We suffer from mild hypertension under control with medication for the last 10 years. I need to know if there is a heart attack, how will this be considered in this insurance? Please clarify.

A:
Both plans will cover the Acute Onset up to the policy max. In this case $500,000. The $25,000 that you see under the Patriot America Plus is for Emergency Medical Evacuation for the Acute Onset. In other words, if you have a covered Acute Onset then it will pay the transportation up to $25,000 if necessary and then $500,000 for the medical expenses. If you need further clarification please feel free to contact our office.
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Q:I only wish to purchase the Atlas America plan, but am located in Australia currently. Do you have any advice on how to purchase.

A:
You would have to wait until you have left Australia to purchase this plan.
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Q:I am looking to buy Atlas Comprehensive coverage for my parents visiting US. We plan to visit Mexico for 1-2 weeks vacation, does the plan covers then during their visit to Mexico.

A:
The Atlas America plan will cover your parents while in Mexico. The plan will cover someone anywhere outside their home country and during travel as long as it's within the dates of coverage.
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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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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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