There was a problem, please make the requested changes and submit again:

  • Search criteria is required. {{ error }}

Ask Our Specialists

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

Q:I am a US citizen living in Spain for 2 years but will be traveling back and forth to US every few months for a few weeks at a time. It is these visits where I want to have health insurance coverage. Do I have to enroll by mid December or can I enroll anytime. Also if I get pregnant in Spain and comeback to the US can I have my baby there under the plan and be covered

A:
You are welcome to enroll in these insurance plans at anytime and choose the number of days you would like the plan. There are a only a few plans that are available to US citizens visiting the US; we typically recommend Patriot America Plus. You are also welcome to run a quote in the Visitors to U.S.A. section of the website to compare the plans available to you. Unfortunately there are no visitors plans that will cover for maternity or delivery related expenses. However, if you are living outside the US for longer than 6 months you can always take a look at Expatriate Plans. When running a quote, be sure to select "yes" for Maternity and "worldwide" for Coverage Area. While these plans are much more expensive they are the only plans that would cover maternity expenses after a 10 or 12 month waiting period depending on the plan. Another option, depending on the price, would be to enroll in a domestic insurance plan and continue to pay the premium while you are abroad so that you have a plan that will cover those expenses here in the states. If you have any additional questions please call our office at 1(866) 467-8289.
{{currentOrigin}}/answers/visitors-medical-insurance/us-citizen-living-in-spain-visiting-us-72845/

Q:Our three year old granddaughter is visiting us from China for two months. I want to buy her medical insurance only while she is in the USA. She is a Chinese citizen, but has received an immigrant visa to live in the US. It must be activated by Feb. 7, 2024. Then she will go back to China until her entire family is ready to move to the US and live with us. So it is temporary medical insurance for just the time she is in the US for now. Because of her residence visa, I want to ensure this temporary coverage applies to her. Some details in on-line offerings talked about having to be so many miles from residence. Her residence is in China at this time and she is only visiting.I would like to talk to an agent to be sure coverage applies.

A:
You can select any plan in the Visiting with a Greencard section of the website. For people visiting temporarily on an immigrant visa, Patriot America Plus is a popular plan.
{{currentOrigin}}/answers/travel-health-insurance/our-three-year-old-granddaughter-is-visiting-us-from-china-for-two-months-70401/

Q:My mother in law is a Russian citizen residing in Russia, I am thinking about getting either the Atlas America insurance or the Safe Travels USA for her visit in the USA. Is that insurance restricted to specific nationalities e.g are those policies allowed to be sold to Russian people so they can get medical coverage in the USA?

A:
While there are some geographic restrictions for some countries on plans, both Atlas America and Safe Travels USA Comprehensive are available to someone who is a Russian citizen and resident. If you have any additional questions please let us know.
{{currentOrigin}}/answers/visitors-insurance-usa/russian-citizen-residing-in-russia-can-get-medical-coverage-in-the-usa-48634/

Q:If the stay extends can I extend the medical insurance

A:
Yes, with most plans you are able to extend the insurance as long as you do so before the end date of the policy. Be advised that there are some plans that do not allow extensions so it is important to check the extension rules of the policy you are purchasing. When running a quote, you can click the "view more" tab to reveal another tab for the extension rules. If you have any additional questions please let us know.
{{currentOrigin}}/answers/international-travel-health-insurance/if-the-stay-extends-can-i-extend-the-medical-insurance-99438/

Q:For Atlas America insurance, what is the maximum duration I can extend the policy? Assuming I originally purchase the policy for 6 months, before it expires, can I extend it for another 12 months for the total policy coverage period of 18 months?

A:
You can extend Atlas America for a maximum of 364 days. If you have any additional questions please let us know.
{{currentOrigin}}/answers/visitors-insurance-usa/for-atlas-america-insurance-what-is-the-maximum-duration-i-can-extend-65619/

Q:Hello, I am looking for a travel medical insurance for an intern that will be with my organisation for 6-months, starting today. He is a German citizen and will be in Malaysia - Indonesia throughout the period. I would be able to purchase the insurance, however am not sure of how easy the claim would be since Malaysia do not have any PPO network. Please advise.

A:
Most countries do not have the concept of PPO, you can go to any doctor you'd like with these plans. in the case where a doctor wants to charge you out of pocket you can easily file a claim and send it to the insurance for processing.
{{currentOrigin}}/answers/international-travel-health-insurance/how-easy-the-claim-would-be-since-malaysia-do-not-have-any-ppo-network-32684/

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.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

Learn More

Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More