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Ask Our Specialists

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

Q:How much is the price for a medical insurance to go Cuba and Republican Dominic?

A:
The plan we would recommend for going to Cuba is the Patriot International plan. You can look at other options on our Cuba Travel Insurance section. The cost of the plan will vary depending on the length of time you need the coverage as well as your age and if you are a US citizen or not. Once you have clicked on the link for the appropriate Patriot plan then you will be able to see more information about that plan. From there you will click on quotes and purchase to enter the information mentioned above to see the cost. If you need additional assistance please feel free to contact our office.
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Q:I would like to get detail of travel coverage and estimate of travel insurance. Travel insurance should cover dental + medical + vision related problems. My parents (age 60+ and 58+) and sister (age 30) are going to travel from India to US by end of this month. I would like to take their travel insurance from March end to July 1st.

A:
Thank you for contacting Insubuy for your insurance needs. The medical plans do not include coverage for dental and vision. There is a Dental/Vision Discount plan that will provide a discount for services. The medical plans can be found on our website by entering the required information and clicking search and compare. If you need additional assistance please feel free to contact our office.
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Q:My son is due for further studies in Poland- we live in Kenya. The embassy has requested that we must have - An insurance for a coverage of at least 30.000 EUR, valid in Schengen for medical emergencies, urgent care and repatriation expenses (+ 1 copy). The insurance has to cover the time of the validity of the visa How does it work? He is going in Oct 2017-Oct 2021

A:
The plans in the Schengen Visa section of our website will meet the requirements. All of the plans will require payment for whatever duration you choose. The max amount of time that you will be able to purchase at one time is 1 year. If you purchase the Patriot plan then you will be able to purchase the plan for one full year and then the next day you would be able to renew that plan for another year so you would be able to show coverage for a total of two years. If you need additional assistance please feel free to contact our office.
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Q:Insurance quote asks for state? When looking for insurance quotes on Insubuy, the query asks for a state in the US (for example). It only lets you select one. What does this mean? What if the visitor my move between states, staying in several over the course of the visit?

A:
Visitor is always covered in all the states in the U.S. As a visitor, you are expected to visit various states. Therefore, it would be inappropriate for any visitors insurance to provide coverage only in one state. For different products, 'State' means different things. For some products, it is asking for the 'State' for the 'Mailing Address' purpose. For some other products, it is asking for the 'Physical Presence' state at the time of purpose, if the person is already in the US. In any case, it is NOT asking for the state where you need the coverage.
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Q:I was looking at Atlas Essential but with a $100K policy. The plan says 75/25 of policy maximum, it really is a $75,000 policy. Say the hospital bills are 70,000. I am guessing they will pay 70,000 of the bill. Can you verify my assumption?

A:
Under Atlas Essential plan, first you pay the deductible that is one time. After that insurance will pay 75% you pay 25% to policy maximum you choose. For e.g. if you take $250 deductible and $50,000 coverage with Atlas Essential America. Let's assume that you were in an accident and are hospitalizes for 2 days. The hospital charges $12,000 per day for a total bill of $24,000. Assuming this is the first instance of your needing to use the insurance, You pay your $250ded. Plus $5937.50 (25% of $23750) and the insurance company will pay rest. I hope this answer your question. If you have any further question or need clarification feel free to contact us and will be glad to help you to understand how this plan works. We have Atlas America and Atlas Essential. You need to decide how much you want to pay out of your pocket and decide which options will work for you.
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Q:I am 28 years old. I am travelling to Switzerland to do an entrance exam at college. I will be staying for a week between April 1st and 7th. I need insurance that covers repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death.

A:
All of the plans in the Schengen Visa section of our website meet the requirements. The policy max for the plans is $50,000 which is more than the required amount. If you need additional assistance please feel free to contact our office.
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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.

Did you know?

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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