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Ask Our Specialists

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

Q:I will be renting a place in Iowa for 3 months, but I live in CA. I want to be sure I have coverage for corona virus in case I get it while I am out of my CA medical coverage area. Would your insurance cover me while I rent in Iowa even though I live in CA ? I have medical insurance but only for my local CA doctors.

A:
Thank you for reaching out. If you are looking for medical benefits that will cover outside your resident state, you would want to purchase a plan from our Travel Insurance section. Keep in mind that these plans have secondary or primary medical benefits depending on the plan. You may quote them here. Should you have additional questions or need further assistance you may also call our office at (866) 467-8289.
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Q:I am on H4 visa and planning to apply for EAD. I have health insurance through my spouse's employer who is on H1b. I have a pre existing medical condition and all the medical expenses are covered using that insurance. My question is that if I get my H4 EAD and a social security number, would I be able to use the same health insurance or would I need to buy a separate health insurance policy from a different company?

A:
The plans available on the market will cover the new illnesses and injuries that manifest in the body after the effective date of the policy. They will exclude coverage for pre-existing conditions, preventative and routine care. The plan you are describing sounds like a domestic plan and if you are able to maintain coverage under that plan we would recommend it as those types of plans will cover much more than these. You would need to verify with your current insurance if an EAD or SSN will have an effect on your coverage, as we are not your insurance carrier. Should you have additional question please let us know. You may also call our office at (866) 467-8289.
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Q:covid 19 coverage for all schengen countries

A:
You may view and quote plans here. You will be able to see if a plan includes coverage for COVID-19 below the plan name. If you have additional questions you may call us at (866) 467-8289.
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Q:Need to get travel insurance for parents visiting London

A:
You may view and quote plans here. Just make sure to select "International excluding USA" in travel area.
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Q:Good Morning! I hope this email finds you well. We are interested in the Atlas Travel Medical Insurance and appreciate briefing us on the exclusions/limitations of this policy.

A:
You may read over the certificate wording for Atlas America here.
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Q:I will be an English Teacher in Japan for 3-6 months and would like travel insurance that covers `Returns on Mortal Remains` for those six months. I just want coverage for the `returns on mortal remains` and that is all. No other insurance. Please give me rates each for 3 months, 4 months, 5 months, and 6 months. Thank you. I am 65 years old and in excellent health.

A:
There would be no plan available that would solely have this type of coverage, but we would recommend selecting a comprehensive insurance policy with a higher deductible such as Atlas Essential International. Should you have additional questions or need further assistance please let us know. You may also call us at (866) 467-8289.
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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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Prices are regulated by law.

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

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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?

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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