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

Q:I had an accident, and I am in the hospital, I tried calling the phone number in the card I did not get respond

A:
Please provide your insurance ID card to the medical providers and they will contact your insurance company. If you still need assistance please call our office at 1(866)467-8289.
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Q:Health Coverage Waiver Requirements for Visiting Scholars with J1 or J2 Visa August 15, 2023 August 14, 2024As a Visiting Scholar with a J1 or J2 visa, health coverage is required during your time at the University. The University provides coverage at a cost that is affordable to most scholars. Scholars who already have health coverage prior to coming to the University must apply for a waiver in order to be given approval for that alternative plan to replace the one offered. Any alternative plan must meet the requirements below in order to be considered for a waiver. Alternative Coverage Must Meet, or Exceed, ALL Listed Health Coverage Specifications in this Section1. Unlimited coverage per Injury or Sickness.2. Unlimited coverage for essential benefits, including hospitalizations, doctor services, prescription drugs, rehabilitation and mental health services, pregnancy, and newborn care.3. Coverage for preventive care at 100% in network including immunizations, physicals examsscreenings, and birth control A complete list of preventive services can be found at ACA Preventive Services Full List4. 80% of medical expenses must be paid by the insurance company you have coverage with.5. Covered Expenses related to pregnancy.6. Preexisting Conditions cannot be excluded for any Covered Persons.7. The issuing company must have a phone contact within the UnitedStates.8. Proof of coverage must be provided in English and U.S. currency only.9. 10,000 coverage for medical evacuation (medical evacuation provides transportation to your home country in the event of a medical emergency).*10. 10,000 coverage for repatriation (repatriation provides transportation to your home country in the event of death).*11. Coverage must be in effect no later than the first day of the coverage period (this may be different than the first day of your semester) and remain active through the end of thesemester.12. The issuing company must be able to provide a full policy document for review. Plans That Do Not Meet the Health Care Coverage Requirements of the University Include1. Short Term Plans2. Travel Plans or similar plans created expressly for the purpose of providing coverage to international scholars andor nonimmigrant visa holders3. Health Sharing Plans4. Reimbursement Plans5. Plans with any benefits that have a waiting period. The health insurance requirements sent to me by the University of Kentucky are listed above. What is the price of health insurance that meets these requirements One J1 visa holder born on 11171979, one J2 visa holder born on 04111984, and two children, one aged 3 and the other aged 10.

A:
Unfortunately there are not going to be any plans that meet these requirements for J1 visa holders outside of what your school will offer. You will need to take insurance through your school. If you have any additional questions please let me know.
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Q:Planning to live permanently aboard a residential cruise ship...travelling the world...I want a international health plan

A:
If you are traveling outside the US you are welcome to run a quote in the Travel outside U.S.A. section of the website in order to see what plans are available to you. Please be advised that you must have a Home country address to purchase any of the plans offered on our website. If you have any additional questions please let us know.
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Q:If I need to be hospitalized, the Patriot International Lite Travel Insurance covers monitoring, abroad, by at least one family member in the event of serious incidents?

A:
The Patriot International Lite has a benefit in the event you are hospitalized in an Intensive care unit that could provide reimbursement of up to $1,500 in transportation cost for one relative to travel to where you are located to be with you while in intensive care. You can find more information about this benefit on page 17 of the base certificate wording for the Patriot International Lite plan. (located on the bottom center of the PDF document). The benefit mentions the benefit is subject to the exclusions listed in the same document. Please let us know if you have any additional questions.
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Q:Does this insurance provide support, abroad, for at least one family member in the event of serious incidents?

A:
Most plans will have a 24/7 number that you can call in case of emergency. That number can be found on the back of the insurance ID card. Please let us know if you have any additional questions.
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Q:I would like to purchase travel insurance SPECIFICALLY to cover the possibility that due to the intermittent closing of the Polish/Ukrainian border (and at times, other borders) by protestors, my daughter misses her flight. We live in Ukraine but due to the war, need to fly out of a second country. Polish protestors have been closing border crossings (occassionally even passenger vehicles). Other times the crossings take excessively long to cross. Which travel insurance should I buy to cover this reason for cancellation?

A:
Unfortunately, Trip Insurance that offers coverage for the non-refundable costs of your trip are only available to US residents who begin their trip within the US. You would still be able to take Travel Medical Insurance to cover the unexpected medical costs of new injuries or illnesses should they occur during your travels. If you have any additional questions please let us know.
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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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