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Ask Our Specialists

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

Q:Insurance for treatment Hi, my husband and I are looking for a type of insurance, if any,that covers non-u.s citizens. My husbands visa expired last may, he has'nt renewed it due to low on money, and he needs to go to the doctors to get a MRI as soon as possible. But being illegal I'm afraid that we wont find a type of insurance that will cover him, or accept. We live in virginia. Can you assist us of any programs that may be able to help? thank you and best regards. -

A:
There is no insurance that will cover your husband if he already need to go for some medical treatment.
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Q:question on health insurance I am a research scholar from China, and now I am studying in the University of Georgia for a year from August 1, 2011 to July 31, 2012(J-1 visa). then I want to buy regular health insurance from your company. So, do you have any suggestions to me about the purchase of health insurance? because I am not sure about which policy max I should choose, so which plan do you think is suitable for me to purchase according to UGA's requirement? And I also want to have a proof of health insurance to UGA for the Office of International Education after purchasing insurance. I am looking forward to your response. Best Wishes Zhao Yuanyuan the following are university's requirements: Insurance Must Cover: 1. Minimum coverage of $50,000 per accident or illness per person 2. Repatriation of Remains up to $7,500 3. Medical Evacuation up to $10,000 4. Must not exceed a deductible of $500 per accident or illness 5. Must pay 75% of covered expenses

A:
You can purchase either Study USA or Patriot Exchange plan. Here is the link for J1 visa insurance. Study USA brochure, instant purchase and other useful information, /study-usa-insurance/ Patriot Exchange brochure, instant purchase and other useful information, /patriot-exchange-program-insurance/ Link for all J1visa insurance, /j1-visa-medical-insurance/ If you have any further questions, please feel free to contact us. what are the formalities There are really no formalities. You can make an instant purchase online or over the phone.
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Q:Travelers health insurance I am looking for travelers health insuarnce dad - 71 long term diabetic , pacemaker mom - 60 , was diagonized for breast cancer abt 2 yrs back currently both are stable. I am aware pre-existing isn't covered. Can you advice what is the best option i can go for them

A:
One of the most popular plans is Atlas America. This a comprehensive plan, which is always recommended. Here is a link to the plan: /atlasamerica-insurance/
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Q:Visitor Medical Insurance Hi, I just talked with my existing insurance provide HDFC ERGO and found out that INTERNATIONAL SOS is there point of contact in USA. I am not sure how good INTERNATIONAL SOS is known in USA and what is there supported hospital list.Could you please help me with finding this information for the sake of comparisons? Thanks

A:
We are located in USA. We deal only with US companies NOT Indian companies. If you need any further information, please call our office at (866) INSU-BUY.
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Q:Civil liability insurance We are interested in purchasing travel insurance for a Schengen (France) visa. I understand from reading the details on your website that the medical insurance requirement for this Visa is satisfied by your insurance. However, I am unclear whether the "civil liability" requirement is also covered by your insurance policy. Please see item #13 for details: <a href='https://vancouver.consulfrance.org/spip.php?article409'>https://vancouver.consulfrance.org/spip.php?article409</a> Can you please confirm?

A:
That is referring to a property and casualty type insurance. This would not be covered under the medical insurance, you should speak to your auto/homeowners insurance agent.
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Q:Will of dealing with charges Receive my greetings misters: I'm interested in your product DIPLOMAT AMERICA, but I want to assure myself when I could need your services. I'm now in Mayaguez, Puerto Rico and I knew most of the medical institution here dont accept international insurances, so I asked to them if they would attend me when an emergency could occur, and if they would make deals with your company. They told me that they will accpept if you should provide official addres and contact data and they would send you the bill; however you could reject the billing for coverage reasons, and they will redirect it. What I need is that you show me your will to deal with all the billing charges generated; whenever charges are under the coverage I have contracted. These entities show their will of deal with you but require your contact info: CLINCA YAGUEZ, phone 787 8328444 Yamila Villanueva, Billing Supervisor - yamilavillanueva@gmail.com HOSPITAL BELLAVISTA, Billing office - direct phone 787 8334314 Camil Vega, cvega@bvhpr.org HOSPITAL SAN ANTONIO, Billing office - phone 787 8340050 ext 2359 Xiomara Rodríguez, x.rodriguez04@yahoo.com They should answer your mail, and them you could send an e-mail, showing that you already have an institution which is disposed to accept your direct billing payment, in the services under your broshure coverage, with the DIPLOMAT AMERICA INSURANCE POLICY (what I'm interested to). I will keep concern, if you would need any information from me and I will wait for your answer. Thanks again.

A:
Hello, There is no company that will give you a "Will to Deal". There is also no one that would be able to call around to the providers and guarantee payment. When it comes to doctors, you may have to pay out of pocket and file the claim form for reimbursement. With hospitals the insurance company may arrange direct billiing. But the policy I quoted was cero (0) deductible and cero (0) coinsurance for the services under coverage. I think the best way for me to buy an insurance, is having the trust I'll have your will to support me in an emergency, it means, if I'm alone and incapable to arrange anything because an accident, how could I solved; that's why I contract a policy. I just look for some will and good faith, I do release that's is very difficult to pretend a comprise from any of the parts, neither the Insurance Company, nor the Hospitals. I rimind you that this is a internet transaction and a very impersonal way. I can tell you that hospitals I showed you, they did their part (without comprise), they showed me their will. If you could help me I would appreciate it. Thank again, Insurance company is willing to work with the hospitals and doctors for direct billing. However, it is up to the provider whether they want to directly bill the insurance company or not.
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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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