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Ask Our Specialists

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

Q:University of South Carolina I am an international student currently studying at the University of South Carolina. Thinking of transferring my insurance plan to yours, I’d like to make sure your plan meets the requirement of my school. I’m interested in Plan A of your Study USA-Health Care. In this plan, however, I can’t find the “maximum lifetime benefits,� which is one of the major requirements of my school. Could you please tell me if this plan meets the requirements? Thanks a lot.

A:
Study USA-Healthcare meets all the requirements you mentioned. There is no life time maximum in Study USA. It pays $200,000 per every sickness. Therefore, if you get sick 10 times, and if needed, it will pay $2,000,000. You can make instant purchase of Study USA at /study-usa-insurance/ Please let me know if you have any other questions.
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Q:Schengen travel insurance information I'm 31 years old, brazilian student, and I'll be going to Sweden (Umea, 350 miles from Stockholm at the north direction) for a exchange program from Jan 1, 2007 to Jun 30, 2007 (6 months). One of the requirements of the program is the acquisition of a International Medical Insurance and/or Assistance Health Plan that covers at least 30.000 Euros for medical emergencies. I've made a research on the internet and I've found the insurance Visitors Care® in your website. I would like if this insurance realy covers the amount requested and how does this insurance works: in an emergency situation, do I arrange medical assistance by myself and later send you the receipts requesting reimbursement or should I call you and you will tell me where I can get medical assistance?

A:
Visitors Care does NOT meet the requirements of Schengen visa. You need to purchase Atlas Intenational that meets all the requirements ofSchengen visa. You can make instant purchase online at /atlas-international/travel-health-insurance/ Please feel free to contact us at any time if you have any other questions.
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Q:Traveling to Schengen from US and from Philippines Hello, I would like to purchase a schengen visa health insurance. My details - I am 33, I will departing from and returning to Arizona, USA - My spouse is coming from & returning to the Philippines. Is this covered in once of your insurance policies? Travel dates are 12/26/2006 - 01/10/2007. Thanks.

A:
Yes, both of you could purchase Atlas International insurance plan to cover you in Schengen area. You can make instant purchase online at /atlas-international/travel-health-insurance/?affiliateid=schengen Please feel free to contact us at any time if you have any further questions.
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Q:Procedure for purchasing Schengen Visa Insurance I would like to have information on the following: Two seniors are applying for the Schengen visa, one aged 62yrs and the other 58yrs. They are applying for multiple entries for 180 days. Can you please let me know the procedures and the type of insurance we need to apply for.

A:
Thank you for your interest in purchasing Schengen visa insurance. For understanding the Schengen visa insurance requirements, /schengen-insurance/ The best insurance product for Schengen visa purposes is Atlas International, available for instant purchase at /atlas-international/travel-health-insurance/ To understand why it is the best, please read /atlas-international/schengen-visa-insurance/ You can make instant purchase online. If you have any other questions, please feel free to contact us at any time.
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Q:Renewal of insurance I purchased insurance for my husband and myself through you December last year. I am wantng to organise our insurance for next year, but would like to change some things. For example, we do not need outpatient insurance as the healthcare here is very cheap. Our major needs are hospital coverage, emergency evacuation and full birth coverage ( prenatal is very cheap here). The current premium is too high for us, is there anything you can offer. Regards

A:
There is no just inpatient plan. It covers both inpatient and outpatient. In order to reduce the premium, * You could choose higher deductible. * You could also choose the coverage excluding US/Canada. You can visit /expatriate-health-insurance/ and choose a plan most suitable to you. If you have any particular question or need any other help, please feel free to contact me at any time. Could you tell me how much it would be if we were to exclude the US and Canada. My husband is now 32 and I am 29. Thanks a lot You can look at International Citizen Premier at /expatriate-health-insurance/ Prices are Deductible - Annual Price $250 - $1687 $500 - $1537 $1000 - $1158 $2500 - $1025 $5000 - $891 I checked the website you sent but don't understand exactly how this works. Last year my coverage with RESIDE cost me $1300 and Dave's was $750, but this year for me it has increased by $800! I think that is ridiculous! Also if I take the premier rate, it excludes emergency evacuation and I have to wait another year before I am covered for pregnancy.If this is the case we will have to look for other options. We are missionaries in Cambodia who are self funded and don't have $3000 to spend on medical insurance . Are there any otehr options including emergency evacuation and pregnancy coverage. I completely understand how exactly this works. Premium in the second year is more all such plans because it covers more things such as pregnancy etc. That is the case with all the plans. Yes, IC Premier excludes emergency evacuation. However, if you like, you can buy a separate evacuation plan such as Liaison Traveler, available at /trip-cancellation-insurance/ It is NOT very expensive. Even with this combination, you will have to wait for 1 more year for pregnancy. Otherwise, continuing the same insurance (RESIDE) would be your best option. Of course, you may look for other local options in Cambodia itself. But, you don't have any better options from US. We sell insurance products all major US companies that deal with international medical insurance. Please let me know if you have any other questions.
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Q:Eligibility question I am an American Citizen married to a Turkish Citizen. I want to be sure the Platinum plan will cover both of us inside or outside of the U.S. according to my choice of care. We live most of the year in Turkey, but travel to the U.S. to visit family.

A:
I believe you are referring to Citizen Secure Insurance plan available at /expatriate-health-insurance/ It covers you everywhere in the world, including US as long as you are staying outside US more than 6 months in a given year. Please let me know if you have any other questions. I am specifically concerned that my wife, a Turkish national, be covered equally to me with this policy. (Platinum) Another question: The Global Basic coverage seems very similar to the Platinum coverage, at a much lower rate. Can you tell me what I am missing there? Thanks 1. Yes, your wife will be covered. 2. IC Platinum is a comprehensive coverage and provides full coverage. Global Basic is a fixed coverage plan and pays only a fixed amount of money for everything and you pay the difference yourself. You can visit /expatriate-health-insurance/ and compare them side by side for detailed comparison. Please let me know if you have any other questions.
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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.

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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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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