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Ask Our Specialists

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

Q:I'm trying to apply for travel medical insurance, but seem unable to. I have previously purchased through Insubuy. I am 66 years old, currently in Australia, leaving 18 Aug 2022, returning 19 Dec 2022. Any ideas why I can't proceed with new cover for this trip?

A:
The Atlas Essential International plan is unable to be purchased if you are physically located in Australia at the time of purchase. You may view and quote the other applicable options in the Travel Health Insurance section of our website. Should you have additional questions or need further assistance, you may call our office at +1 (866) 467-8289.
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Q:do you have plans that pay providers directly?

A:
The providers can either set up direct billing or ask you to pay out of pocket and file a claim for reimbursement for any eligible expense. They have this option because they are still a business and get to decide how they do their billing. Keep in mind the products are designed to offer the coverage for new illnesses and injuries contracted after the effective date. They will exclude the coverage for pre-existing conditions, preventative and routine care. 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 travelling to Canada from Europe and i am vaccinated with 3 doses. Currently Canada does not have a mandatory arrival quarantine for vaccinated travelers, but they do random arrival tests to vaccinated travellers (and travellers are NOT required to isolate until they receive the test result). If the test comes back positive i would have to isolate for 10 days.Is there any insurance plan provided by your broker company that would cover the costs of this isolation period?I want to enforce that it is not a mandatory arrival quarantine for everybody, i know those are not covered by insurance, it is a specific isolation regarding only the person after a positive test.

A:
Thank you for contacting Insubuy. We have trip delay plans for such an occation. you may find our available plans in the link below. If you have any questions or need further assistance please let us know. Covid-19 Quarantine: /covid19-travel-insurance-with-quarantine-coverage/
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Q:Will visitor insurance cover a doctor's appointment to get a prescription for a medication I had been prescribed in my home country?

A:
No. The insurance products available are designed to offer the coverage for new illnesses and injuries that are contacted after their effective dates. They will exclude the coverage for pre-existing conditions, preventative and routine care. Should you have additional questions you may also call our office at +1 (866) 467-8289.
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Q:I'm a US citizen coming back to the states from July 23-August 8, then again from August 17-22nd. I have lived in England but am leaving my job tomorrow (July 22) and will not longer be a resident here, or in the US. Can you recommend a health insurance option for me so I am covered for my time in the states?

A:
You must have a primary residence country outside the United States if you are wanting medical coverage for when you visit. Please call our office at +1 (866) 467-8289.
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Q:Hello, i am very confused about the covid 19 quarantine/isolation coverage in the insurance plans.More exactly, i will be travelling to Canada from Europe . Canada currently does not have a mandatory arrival quarantine requirement for me becvause i am fully vaccinated with 3 doses. However, they do on arrival random tests (i may por may not be selected, it is estimated that onlky 10-20% are selected for this test). IF the test comes back positive, i am put in isolation for 10 days. Will any insurance plan cover this isolation costs? I must enforce that it is not a mandatory arrival quarantine for everybody, i know that those are excluded from any insurance plan. It is a auqrantine after a test, and a document emited by the authority putting me into isolation. Is this covered or not?

A:
All coverages and guidelines are and can be plan specific. However, because it is not a mandatory quarantine, plans that provide trip delay benefits used for quarantine could provide coverage for your described scenario. 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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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?

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You are not eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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You don't need to purchase travel insurance for every trip.

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Most schools require international students to purchase health insurance.

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