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Ask Our Specialists

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

Q:Will covid pcr test be included for J visa insurance?

A:
The plans that include coverage for COVID-19, the same as any other new illness, may allow for the coverage if it were medically necessary. This would mean under a physician recommendation, due to signs or symptoms for diagnostic purposes. Elective testing, or testing or travel purposes, would be excluded from coverage as they are known expenses due to travel. For those expense, you will pay out of pocket. Should you have additional questions or need further assistance, you may also call our office at +1 (866) 467-8289.
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Q:Hello,I am seeking a policy that will cover me for multiple continents primarily the middle east including the Palestinian occupied territories, western Europe & tge UK, & possible Africa, for 12 months. I require covid insurance to travel and am hoping to find a policy that will assist me with fertility and IVF treatment. Do you have any such policy that will suit my needs?

A:
The plans would not offer coverage for pre-existing, preventative or routine care. With regard to fertility and IVF treatments, you would have to pay out of pocket for such expenses as the insurance products available would not cover such expenses. You may view and quote available options in the COVID-19 Travel Medical Insurance section of our website. Should you have additional questions or need further assistance please let us know. You may also call our office at +1 (866) 467-8289.
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Q:I am having trouble finding a policy that will cover trip cancellation if the tour is cancelled by the tour company. After accepting our deposit we were told not to purchase non refundable airfare in case the tour gets cancelled. This presents a problem because we also want a policy that will cover pre existing conditions and must be purchased soon after first payment

A:
Thank you for contacting Insubuy. In order for the cancellation by the tour company to be covered, the reason for the cancellation must be listed in the policy. The acceptable cancellation reasons may vary slightly depending on the plan you purchase, but some common reasons include: Inclement weather that causes delay or cancellation by the common carrier, natural disasters, mechanical breakdown of the common carrier, sickness of the insured person, family member, or traveling companion. If you'd like more coverage and are purchasing within 10 - 21 days of your initial trip deposit date, then you may purchase a plan that includes coverage cancel for any reason. This allows you to cancel for any reason not listed in the policy. The Safe Travels Voyager is one such plan and it will include the coverage for pre-existing conditions as long as the insurance is purchased prior to or with the final trip payment. You must also insure all pre-paid trip costs that are subject to cancellation penalties or restrictions, and be medically able to travel on the effective date.
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Q:Hello. My name is Vladimir, I am an international scholar, who needs medical insurance in the USA. Do you have insurance which covers repatriation and medical evacuation only? I am going to get the other benefits in my university. How much does it cost per year?

A:
Only a J1 may purchase insurance that only has Medical Evacuation & Repatriation. It is the Atlas MedEvac plan.
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Q:Hi! I am planning to fly to Taiwan soon. Their regulations include a saliva PCR test at arrival. If the PCR is positive, I am required to quarantine for up to a week. Does this quarantine count as "travel delay/quarantine"?

A:
The trip delay benefit could not offer coverage in such case, as you are not delayed in your travel. Should you have additional questions or need further assistance, you may also call our office at +1 (866) 467-8289.
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Q:Are policies for 1 year, on any number of different trips? Same question for Travel Insurance.

A:
You purchase the coverage for the duration you are needing for each trip. Should you have additional questions or need further assistance, please let us know. You may also call our office at +1 (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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