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Ask Our Specialists

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

Q:I have a family of 24 traveling to Croatia in July for 10 days. interested in trip interruption while we are there. My concern is if one of my grandkids get covid and cant return on scheduled flight, I'll have to pay for hotel and flights back. Do you have such a thing. Basically for quarantine and fights home

A:
Thank you for contacting Insubuy. the benefit you are looking for is called tracvel delay. To view our plans with travel delay/Quarantine use the link below /covid19-travel-insurance-with-quarantine-coverage/
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Q:Does Trip Delay cover instances where we may be stuck oversees longer than expected due to covid quarantine requirements? I.e. if we are scheduled to go back home but we have to stay an additional 5 days to test negative for covid.

A:
Trip delay could apply in those cases. It will be determined at the time of service based on the information provided to the claim department. You may find the applicable plans within the COVID-19 Travel Insurance with Quarantine Coverage section of our website. Be sure to read over the certificate wording for full information on benefits and elegibility. 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 cancelled trip due to surgery 8 months before Trip. Since I cancelled trip I need to cancel insurance and was hoping for a prorated return on the policy. What is the story about that? I have no trip, don't need insurance to cover nothing.

A:
Thank you for contacting Insubuy for your insurance needs. We are unable to locate your policy based on the email provided. Please call our office at +1 (866) 467-8289 for assistance regarding this.
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Q:Trip interruption insurance. We are traveling to Italy to take a 10 days cruise. We have separate coverage for the cruise. But, if we become ill, especially with COVID (we are both double boosted), we want a policy that will pay for food and lodging for the time we have to quarantine and for medical treatment and medication. Also coverage for returning home.

A:
You may learn more about our COVID-19 Travel Insurance with Quarantine Coverage plans here and get a quote.
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Q:I am trying to figure out what types of health insurance my wife and I need if we lived overseas for 6 months and in the US the other 6 months. We not of Medicare age at this time.

A:
You may learn more about our Expatriate Health Insurance plans here and get a quote.
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Q:My mother came to visit me and help me taking care of my kid. I bought the tourism premium health care days ago because she's feeling tired sometimes and I am thinking of taking her to a doctor to hear what he says. Just seeing the doctor and do some checks if necessary. I wonder will this be cover by insurance I bought.

A:
Thank you for contacting Insubuy. Visitors Insurance plans are primarily designed to cover new illnesses, injuries or accidents that manifest or occur after the effective date of the policy. The plans do not cover preventative treatment, routine doctors visits, or pre-existing conditions. The final determination on whether or not the situation is a covered medical expense is determined by the claims department and they will use the medical records and attending physicians statement to make their decision.
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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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