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Ask Our Specialists

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

Q:My mother is travelling on Oct 26th and her current policy expires Oct 10th. Is there a way to extend it only until her travel ?

A:
Yes. You can extend the policy through Oct. 26th by logging into the MyAccount portal on our website. Or by calling our office for assistance over the phone at +1-866-INSUBUY (467-8289).
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Q:My wife is cancer survivor and undergoing treatment in India. She is visiting to USA for 3 weeks in vacation. oncologist in India already diagnosed and cleared this trip as her health is normal and stable. Will acute onset of pre-existing plan covers for any emergency treatment for unforeseen situations due to sudden aggression of pre-existing cancer disease?

A:
That would depend on the plan. WorldTrips exclude all forms of cancer. IMG does not exclude cancer but the insured would have to meet all the terms and conditions of the Acute Onset of Pre-Existing Conditions benefit for the claim to be paid and you must choose a plan that has this benefit like the Patriot America Plus for example. Trawick International does not exclude cancer either but the insured would have to meet all the terms and conditions of the Acute Onset of Pre-Existing Conditions benefit for the claim to be paid and you must choose a plan that has this benefit like the Safe Travels USA Comprehensive for example. There is only one plan that will cover pre-existing conditions and that is the Visitors Protect.
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Q:Hello,I want to purchase insurance for 1 year starting from. How much do I have to pay initially? How much do I have to pay monthly?Thank you

A:
How much the plan will cost will be determined by a few factors, where they are traveling, the age of the traveler and what duration you are purchasing for. Please call our office at +1(866) INSUBUY and a licensed agent can assist you with selecting a plan for the right section.
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Q:if I get sick out of my home country, what shell I do first is to contact Canada to USA and inform about it?then Canada to USA will contact the hospital?Or do I have to pay from my side then I get reimbursement? Wah if my money is not enough?

A:
You would present the ID card to the attending physician and depending on his preferance or that countries laws they would choose to bill you or the insurance together.
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Q:I have purchased Lloyd's insurance and need a list of doctor's in Dallas TX that can provide consultation for a severe knee pain.

A:
We have multiple plans that are underwritten by Lloyds. If you have purchased the policy through Insubuy, you can login to your My Account on the Insubuy website and will have access to your policy documents as well as the PPO Provider Directory link to search for providers within the plans network if your specifc plan offers a network as not all plans do. /myaccount/ If you have any additional questions, please let us know.
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Q:We are US citizens but living outside of US. We are planning to visit US for a month or so, are we eligible to purchase this visitor insurance, please?

A:
Yes, you may purchase the Patriot America Plus or Diplomat America. Either plan will cover you a US citizen while they are visiting the United States.
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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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