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Ask Our Specialists

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

Q:Hi, I am hoping to purchase some insurance from you but I need some assistance determining what plan would meet the waiver criteria for my university. look forward to hearing from you. Here are the criteria below. Thanks for your help!

A:
Thank you for sending us the requirements. Unfortunately, we do not offer a plan which will meet the requirements listed. We would recommend purchasing from your University directly. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/international-student-insurance/waiver-for-student-insurance-78080/

Q:Am i eligible for Smart Student plan if I'm on OPT?

A:
The StudentSecureplans are available to individuals that are on OPT. The eligibility for the plan can be found in the certificate wording listed on the website.
{{currentOrigin}}/answers/other-insurance/student-secure-eligibility-for-opt-22091/

Q:Hello, For international students in the US, what is the difference between "Patriot Exchange Program", and "Student Health Advantage Standard"? The price of the second one seems to be more than 2 times the first one, but it is not clear what is the major advantage of it.

A:
Thank you for contacting Insubuy for your insurance needs. The Patriot Exchange Program and Student Health Advantage Standard plans have several differences. Two Major differences are; The Student Health Advantage Standard plan offers coverage for School / Club sport which has coverage up to $5,000 per injury / illness. Also, after the 12 month waiting period the plan will cover and pre-exiting conditions the same as any other illness which the Patriot Exchange program only covered $500 per period of coverage after the 12 month waiting period. These are just some of the differences between the plans that would cause for a difference in premium. You can compare these plans using the compare feature on the Insubuy website for more differences.
{{currentOrigin}}/answers/international-student-health-insurance/differences-patriot-exchange-program-student-health-advantage-37454/

Q:I have to register health insurance. but I am interested in another health insurance except for USHIP(Uchicago Student health insurance program). Is there any plans I can register in yours for waiving USHIP. Here is the check list!!

A:
Your schools is looking for you to purchase ACA compliant insurance. We don't have any such plan
{{currentOrigin}}/answers/international-student-health-insurance/waiver-student-insurance-university-of-chicago-81675/

Q:I am having a visitor from Philippines that lives in Japan to visit me and she is on dialysis and needs insurance for her stay in Alabama. We have many dialysis clinics but they want 740.00 a single treatment. Do you offer any plans to cover a dialysis patient needing dialysis? This is very important as if she does not get dialysis she could die or be very ill. If you cannot help me can you please help me find an insurance company that can cover her?

A:
There is not a visitors insurance plan available in the market that would cover routine and expected treatment such as dialysis.
{{currentOrigin}}/answers/visitors-health-insurance/visitor-insurance-dialysis-92156/

Q:I am an F-1 student and came to US in AUG last year. I want to buy insurance and need assistance with that. I have attached the college requirements.

A:
Thank you for contacting Insubuy for your insurance needs Unfortunately, there is not a plan that we can offer you to meet these requirements as you have to have an ACA compliant plan. It is recommended that you purchase from your sponsoring organization in order to be in compliance. If you need any additional clarification please contact our office.
{{currentOrigin}}/answers/international-student-health-insurance/wavier-requirements-student-insurance-33725/

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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