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Ask Our Specialists

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

Q:World Baton Twirling Competition in Rome My daughter is attending the world baton twirling competition in Rome in August. It is an organized competition, teams, practices, etc. I understand the basic policy doesn't cover this but would either the leisure or extreme riders provide coverage for this?

A:
You should choose Leisure Sports Rider. You can purchase the insurance online at https://www.insubuy.com Please let us know if you have any other questions.
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Q:Traveling to Canada Dear Sir /Madam, I am an Italian citizien travelling to Canada with my 2 little girls ( aged 5 and 11) who are Canadian citizens but Italian residents. We'll be in Canada for the whole month of August 2006. Can you kindly send me an offer for health insurance plan for the above period?

A:
You can consider purchasing Atlas International, available for instant purcahse at /atlas-international-insurance/
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Q:Need J1 visa insurance Hi, I need to purchase a minimum $100,000 for each illness or accident with a deductible $50 per illness, $10,000 for medical evacuation and $7,500 for repatriation of remains. Does your plan meet the above requirements? Besides, do I have to provide you medical history and examination form if I decide to purchase the health insurance from you?

A:
Please look at Visit USA-HealthCare at /j1-visa-health-insurance/ That would meet all the requirements you mentioned. No, you don't have to go through any medical examination before purchasing the insurance. You can just apply the insurance online. Please let me know if you have any other questions. Hi, Thank you for prompt reply. Plan B meets the requirement. However, about the deductable, I cannot purchase exceed $50 per illness. Yours is $250 above. Do you offer $50 deductable? After purchasing the insurance, no any medical examination is required, either? Thanks! $50 deductible is NOT available. To the best of my knowledge, there is no J1 visa health insurance plan in the market that would provide $100,000/sickness AND have $50 deductible. Minimum is $250. However, that deductible is an annual deductible. It is NOT per illness deductible. No medical examination is required even after purchasing the insurance. The school requests J-2 holder to purchase health insurance as below. minimum $100,000 for each illness or accident with a deductible not to exceed $500 per illness Do you think in this statement, a deductable means per illness or annual? Thank you for all your answers to me. When this is clarified, I could go ahead to online purchase. That means $500 per illness. Therefore, if you get $500 annual deductible, that would meet the requirements. You can purchase Visit USA-HealthCare at /visit-usa-insurance/ It meets all those requirements. Sorry I rechek but actually the school requires $50 (but not $500) deductible per illness. Does your plan meet the requirement? No. I don't think there is any plan in US market that meets the requiement.
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Q:Visitors Care only for visitors? I am looking for a short term (2.5 months) insurance for my wife and son from 4th July 2006. My wife and son are on H4 visa and in USA from 6th Jan 2006. I am planning to buy the 'Visitor Care IMG' plan for them with coverage for 25000. I have a query though that whether h4 visa holders can apply for a visitors visa ? Whether their status is 'Visitor' ? or do I have to choose some different plan ?

A:
Any non US citizen who is non immigrant in the US and want to purchase the insurance for short term can purchase 'Visitors Care'. It is not just limited to visitors (B2 visa holders). It is popularly referred to as visitors insurance because it is purchased mostly by visitors compared to anyone else. Please let us know if you have any other questions. Thanks for your immediate reply. I need your help in selecting a plan for my family. Let me tell you my case in short - 1. I am on H1B since August 2005. I am staying in NJ ( 08830 ) 2. I am insured under oxford plan 3. My family my wife (29 yrs) and son (3 Yrs) joined me in Jan 2006 on H4. 4. While coming to US they had India based Insurance which is expiring today and I am looking for a temporary insurance for them for next 2.5 months. 5. I cannot add them to oxford till Sept 15th and hence need a short term Insurance My wife and son are both in good health just I don't want to take any risk since my son is ver young. Can you recommend me any particular insurance plan ? I figured out that there is only Visitor care plan offering fixed coverage for $25000. However I am not sure whether I should go with fixed or comprehensive plan. I read all review and comments by people on your site but still not very sure. I will go with what you recommend Best Regards You should go for comprehensive coverage plan. Fixed coverage plans are very limited and not recommended for young age people. Look at Protection America at /patriot-america-lite-insurance/
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Q:Moving to USA My wife and myself are planning to move permanently to Colorado, sometime during 2007, to live near to our family. I am 68 years of age and my wife is aged 67. However, before we make any decisions regarding this move I need to know the cost and the details of Private Medical Insurance. Therefore I would be most appreciative for advice in this matter. Kind Regards,

A:
Please read /new-immigrants-medical-insurance-plans/ to understand the options available to you. After that, please visit /new-immigrant-insurance/ to see the available plans. You can get instant quotes, compare plans side by side and apply online. Please let us know if you have any other questions.
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Q:Schengen travel insurance - Denmark hi usa insuarance. i m very happy to find on net that man get insuarance policy throug internet.i am living in denmark änd my wife is living in pakistan some time my wife visit to denmark andf I hhave to buy schengen travel insuaraance for her.pleace tell me can i buy schengen travel insuarance for my wife from you.will danish embassy in pakistan will acept it.and do u have any office in denmark. i will be waitin´g for your answer. with best wishes maqsood ali

A:
Thank you for your interest in purchasing health insurance for your wife. No, we don't have any office in Denmark. However, you don't need to visit any office. You can apply for Schengen visa insurance online at /atlas-international/travel-health-insurance/ While applying, please select the 'Online Fulfillment' option and you can print everything right away that you need to take it to the embassy. It meets all the requirements of Schenge visa insurance. 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?

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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