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Ask Our Specialists

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

Q:Maternity insurance I am an exchange student in the state of Massachusetts seeking health insurance for my wife who is yet to arrive and will be on a J-2 visa. Please send me quotes for a 1 year health coverage including maternity. As of now, she is not pregnant. Thanks

A:
There is only one plan that covers maternity upto some amount after waiting period. Inbound Immigrant brochure, instant purchase and other information, /international-major-medical-insurance/ Please contact us if you have any further questions.
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Q:Individual Health Plan for non residents in USA Good Afternoon: I’m a Puerto Rico resident and I would like to know if we can buy a plan with you for medical treatments or procedures not authorized by my medical Plan in Puerto Rico to be done in EEUU.

A:
If the resaon for travel is to seek treatment, then there would be no plan that would cover it. The plans are designed to cover new illness and injury that occurs after the effective date of coverage, not pre-existing conditions.
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Q:Urgent - Please Advise One kind of Insurance Hello INSU-BUY, I will go to US with my wife (business trip)with 7- month's pregnant on Sep 13, and plan to deliver baby in Seattle hospital. Date of delivery baby is 2011/12/21. Are we eligible to buy related insurance that can cover baby delivery and baby health? If Yes, please advise one kind of insurance, and how to buy it, and detail cost. The detail instruction will be appreciated

A:
If your wife is prgnant there is no insurance will cover her.
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Q:Medical insurance for pilots Hi, I’m travelling to the USA for 1 year to train as a flying instructor. I notice your standard policy exclusion does not cover for travel in an aircraft except for an aircraft licenced for transportation of passengers. As I will be training in and then instructing in light aircraft, I will need cover for this included. Do you have a policy, or can you recommend a policy that will provide the cover I need? Kind regards,

A:
What kind of coverage do you need? If you get sick or injured while you are on the ground? Please clarify. Hi, I need medical insurance that covers all the normal hospitalization for sickness or injury but that does not exclude any injury sustained whilst in an aircraft. E.g. student lands badly or engine fails and we have to land in a field and I break a leg doing so. So I will need all the normal cover for when I'm on the ground as well as cover in the aircraft. I hope this clarifies things, thank you for your help. Kind regards, We have a plan called Atlas America that covers students while in flight . You have to choose the Sports Rider to cover that. /atlasamerica-insurance/ Please contact us if you need further assistance. Thank you, I'd not seen that option. I'll take another look, can you confirm if it will also cover me as the instructor? Kind regards, I just confirmed with Underwriting dept.that you will not be eligible for Atlas America plan. We sell that to student but instructor is not eligible for that plan because you get compensation from school. You can ask the school because most of the school has workers compensation insurance that should cover you. You can purchase the medical insurance but it will not cover you while you are at work. Hi again, Further to my email below, I can confirm that we are students (student instructors) for the duration of our stay in the USA and that as we are travelling on an M1 visa, we are not employed and not eligible for any employers insurance. Please can you confirm that the underwriters are able to cover me on this basis, and what discount can be offered for the purhase of 6 policies together. Kind regards, Here is the reply from the underwriter: >>>> This client would have no issue obtaining coverage as long as they are not gaining any wage, reward or profit from the school throughout their program. As long as they can attest that this is the case, we can issue an Atlas America policy with the hazardous sports rider. >>>> If that is applicable to you, you can buy Atlas America, available at /atlasamerica-insurance/ Fantastic news, thank you. What discounts could you offer for 6 policies bought together? Kind regards There is no discount.This premium is fixed and it's regulated by govt. You can do either group application or individual application. If you do group application your premium will be little bit lower. Group application link, /atlas-group-insurance/ Atlas America individual insurance link, /atlasamerica-insurance/ Please remember to take the hazardous sports rider. If you have any further questions, please feel free to contact us.
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Q:Different policy max for two people I would like to purchase health insurance for my parents. I would like to have one policy but different Policy max, for eg. I would like to have policy max for my father to $50,000 and for my mother to be $100,000. Right now it is not allowing me to choose a different policy max for individual person. Is their any solution to this ?

A:
Thank you for your interest in purchasing insurance through us. In one application you can't choose diff. policy maximum for individual. You need to do separate application. Anyway the deductible, max coverage is per person. And premium is also according to the age group. In short there is no disadvantage to do separate application. Link for our website, / Please enter the appropriate criteria and you will find many plans. If you have any further questions, please feel free to contact us.
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Q:medical insurance My mother is visiting us (Cincinnati, OH) for a vacation between Aug 29 2011 to Feb 20 2012 from India. Her pre-existing illness are diabetes, hypothyroid and hypertension. can you suggest on medical insurance which covers pre-existing illness. Age of my mother: 63 years Thanks

A:
Thank you for your interest in purchasing insurance through us. Insurance will pay for any new sickness, injuries or accidents that occurs after the effective date. We have some insurance will cover pre-existing incase of Acute onset of pre-existing conditions upto $15,000 under age 70. You can purchase either Atlas America or Liaison Continent. Link for Atlas America, /atlasamerica-insurance/ Link for Liaison Continent, /safe-travels-usa-comprehensive-insurance/ I will send the separate e-mail with quote in about 5mins. Please review this and if you have any further questions, please feel free to contact us.
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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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Visiting USA?

Healthcare costs are very high in the U.S.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You could lose your non-refundable trip costs if you had to cancel your trip.

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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.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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Most schools require international students to purchase health insurance.

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