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Ask Our Specialists

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

Q:Hi, we are currently on J1,J2 visa. Will be joining a job which sponsors h1 in 3-4 months time. We wouldn't be having any insurance during interim period. And my wife is carrying. Any suggestions where it could help her get an insurance with cheaper cost.

A:
While on the J1/J2 visa, you may view and quote the applicable plans in the J1/J2 Visa Exchange Visitor Insurance section of our website. The prices are regulated by law, so there are no discounts on the market. Keep in mind the plans will allow the coverage for new illnesses and injuries contracted after the effective date of coverage and exclude the coverage for pre-existing conditions, preventative and routine care. If your wife is currently pregnant, she will have to pay out of pocket for expenses related to the pregnancy. 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:I am a non-US resident but a US citizen. I am looking for insurance that would cover hotel quarantine in South Korea if I was to catch it while traveling. Are there any plans available to me? I am a bit confused as a US citizen and non-resident which plans are applicable to my situation. Thank you!

A:
You may view the applicable plans in the COVID-19 Travel Insurance with Quarantine Coverage section of our website. You will want to view the plans for non-US residents. 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:Just enquiring to see if my insurance covers me for covid?

A:
The VisitorSecure plan includes coverage for COVID-19. Please review the certificate wording of the policy for full information on eligibility and benefits. You may also call our office at +1 (866) 467-8289 for additional information on coverage.
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Q:I have Atlas America plan. Is Covid testing included in this insurance plan if I go to any Covid testing center like CVS, Walgreens.Also how much is the copay I need to pay for Primary care physican visit

A:
Plans that include COVID-19 coverage in them can allow for the COVID-19 testing if deemed medically necessary by the physician. This means the request was under physician recommendation due to signs or symptoms for diagnostic purposes. Please review the certificate wording of the plan for full information on benefits and eligibility. Keep in mind that elective testing or testing for travel purposes would be excluded from coverage as they are expected expenses due to 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:when i sorted for including Covid-19 coverage and clicked both buttons, No options came up. When I only clicked the the button on the left (quarantine coverage) and not the covid19 button on the right Cancellation for Covid-19, I did see options. Does that mean there is coverage for the cost of quarantine, but not for the cost of having to cancel a trip due to Covid19? I di not see a Covid19 exclusion on the policy??

A:
Thank you for contacting Insubuy. There are many plans that will include the COVID-19 Quarantine coverage some will include the Trip Cancellation such as the Safe Travels Voyager or Safe Travels Explorer. In Trip Cancellation insurance, the cancellation reason must be a listed reason in the policy in order to file claim under this benefit, the exception is if you purchase cancel for any reason travel insurance. Cancellations due to COVID-19 may be excluded under many trip cancellation policies depending on the reason for the cancellation. For example, if someone were to contract the virus before their trip they can file a claim under the trip cancellation benefit as this is a cancellation due to an illness. If someone wants to file a claim because their destination country has increased their restrictions for individuals traveling due to COVID-19, this would not be covered unless you opted for cancel for any reason as COVID-19 is already a known issue. If you have any additional questions, please contact our office at +1 (866) INSUBUY 467-8289.
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Q:Has my claim been recived? Im still waiting for someone to follow up with me.

A:
You will want to refer to the claim department for updates on the status of the claim. Due to HIPAA laws, as your insurance broker, we do not have authorization to see such information. Please refer to the phone number for the claims department located on the form for updates on the status. You may also call us at +1 (866) 467-8289 should you need additional assistance.
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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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