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Ask Our Specialists

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

Q:Insurance questionnaire I am trying to fill out your questionnaire but it's very difficult. I am 61 years old, in great health, but you are asking if I've EVER had things so I am trying to tell you about bladder infections I had in college. Your form demands an exact date, as well as doctors names, etc. There is no way I can get that information, so I try to just list a year. This is also true for several things I was treated for more than 10 years ago. I cannot get that information without trying to obtain medical records from years ago, especially difficult living in Nicaragua. Do you want me to fake a full date? My option is to omit things if I cannot get the information. You are also REQUIRING a zip code, which Nicaragua does not have, so I guess I will just put 1111. I will wait for a reply before continuing.

A:
Which insurance product are you planning to purchase? I live in Nicaragua now. I don't have your website open right now but I think there is just one that is for people living out of the country. I want an individual plan with high deductible - probably $1000 - $2500, payments can be semiannual. There are several options available outside the U.S. Please let us know what plan you are inquiring about, your citizenship, and where and when you will need coverage. This will help us to guide you.
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Q:Atlas America insurance plan Hi, I would like to find out more about Atlas America insurance plan. As my husband who is with the military, will be going to USA for training and as his dependents (spouse & 2 kids), can I buy the Atlas America plan for myself and the 2 kids (2yo & 4yo) as his insurance is being covered by the military? I tried getting the instant quotes from the website and it stated that children under 10 are free, it meant that they don't have to pay but will they be covered medically? Since I realised that their details will not be input in the online purchase form if I were to make and online purchase of the insurance. Please kindly advise. Thank you.

A:
Thank you for your interest in purchasing insurance through us. Yes, you can purchase Atlas America for you and kids. Atlas America is a Family friendly plan. So if one parent insured child under 10 get free insurnace. That means you don't need to pay the premium but as long as you apply for them in your policy they are covered at no cost. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please review this and if you have any further questions, please feel free to contact us. Hi, I would like to find out if the Atlas america policy is able to cover the visits to doctor for pre-natal checkup in the event that I got pregnant during the period that I reside in USA. Please advice. Regards, Insurance will not cover anything related to pregnancy. Hi, Can i check if i select the deductible to be $0, does that mean that i don't have to pay anything at the doctor's visit if i choose to go a doc in the network list? If you take $0 deductible. As long as you go in the network and providers billed to the insurance company directly then it covers the 100% as long as it's eligible expense. Hi, Thank you for your prompt reply. Is there any insurance that enables me to have ob visits in the event that I got pregnant? There is no plan available.
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Q:Visitors insurance inquiry Request your suggestion regarding the below enquiry. One of the passengers from Ness Singapore had already flown to USA (SIN/SFO/SIN) on the 09Feb and his return is on 12Mar, can you do the overseas medical travel insurance for him. If so what are the details required

A:
Thank you for your interest in purchasing insurance through us. Here is the link for Visitor insurance that you can purchase for your client. / Please enter the appropriate criteria and you will find lots of insurance plans. Link for view all plans, /visitor-insurance/ Please review this and if you have any further questions, please feel free to call our office at (866) INSU-BUY.
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Q:inbound USA Hi i would like to know the, providers under this insurance(in bound USA). I am looking to enroll my IN-Laws in this insurance during their visit to USA. question 1) providers list in Austin,TX 2) coverage out side Texas during their visit to any other state. 3) payment option how it works(will the provider directly bill to insurance or do i need to pay from my packet every time.) waiting for your replay. thanks

A:
Thank you for your interest in purchasing Inbound USA. 1. There is no PPO network in Inbound USA. You are free to visit any doctor or hospital of your choice. 2. Inbound USA provides coverage everywhere in the U.S. including during travel as well. 3. You get the insurance card that has all the information that the provider would need to bill the insurance company directly. Most hospitals would bill directly and many doctors would do that too. However, as there is no network, some doctors may not be willing to direct bill and in that case, you would pay upfront and file for reimbursement. You can purchase Inbound USA insurance at /safe-travels-elite-insurance/
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Q:Pre-existing conditions coverage in Inbound Guest Could you please provide more clarity on 'Pre Existing Conditions' under exclusions section for the Inbound Guest program? My mother who is aged 63 years and a non-US citizen is visiting me here in the USA for next 5-6 months. I would like to know more about the above clause because she has general old age diabetes. Can the insurance cover general diabetic condition? Please let me know asap so that I can make a choice. Regards.

A:
Inbound Guest doesn't cover the pre-exising conditions. Inbound Guest brochure, instant purchase and other useful informaiton, /visitor-secure-insurance/ If you have any further questions, please feel free to contact us.
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Q:Date of arrival in US You answered that your Primary Destination Country is the United States or one of its territories. Have you been in the U.S. or one of its Territories for more than 6 months? (my mom visited U.S four times in the past 10 years. And this is her fifth time. She just arrived U.S today. Her cumulative staying in U.S is more than 6 months. What should be my answer?) thanks!

A:
If she arrived on feb 8th. She is not in USA for more than 6m. The question is for her recent visit. if you have any further questions, please feel free to contact us. Which plan are you planning to purchase? If you have any questions, please call our office at (866) INSU-BUY so we can process the application over the phone also. Hi, I would like to purchase the Patriot America with maximum $100,000 coverage from 02/09/2011 to 06/05/2011. My mom's birthday is 03/15/1951. Is the price quota on your website is the best price we can get? Thanks a lot! It will cost you $542.80 with $100,000 coverage and $250 deducitble. Patriot America brochure, instant purchase and other useful information, /patriot-america-lite-insurance/ 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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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?

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

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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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Most schools require international students to purchase health insurance.

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