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Ask Our Specialists

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

Q:Hello, If flight was canceled by air company, and they refunded money, Is it possible to get refund for travel insurance, because it's nothing to insured any more, and it's not my fault that flight was canceled?

A:
Thank you for contacting Insubuy. the Trip cancelation plans cover for any prepaid non-refundable trip cost as long as the cancelation reason is stated in the policy certificate wording or you purchased a plan with Cancel for Any reason rider. If you have any questions please let us know. Please not that the reason for cancelation cannot have already happend.
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Q:My wife and I reside in the US, but are on non-immigrant work visas. Technically we are not permanent residents of the US, but we live and reside in Los Angeles for the past 5 years. We both hold Canadian passports. We are travelling to Mexico on holiday in a few weeks. Should we buy insurance that considers us US Residents or Non-US Residents. Please advise.

A:
different plans define the home country differently. For most they define it as the permanent residence of the insureds where they receive mail and pay bills. If you have any questions or need further assistance feel free to contact us
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Q:Can someone visiting the United States with a preexisting condition use this insurance to have medical tests done? Do major medical facilities and hospitals acknowledge this insurance?

A:
Unfortunately travel insurance is not meant to cover routine maintenance or preventative care. however there are plans that can cover you for the Acute Onset Of A Pre-Existing Condition If you have any question or need further assistance feel free to contact us.
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Q:Hello, my husband (35), daughter (5), and I (33) are thinking about living in Ghana part time. We are currently in TN. If we buy Expatriate health insurance, will this cover us when we are in Ghana, and the US? I see that's its about 7000 annually, so I want to see will this be a good option for us instead of just buying health care solely in the US and then using international insurance when we are abroad. We are healthy, and need coverage for our yearly physicals, vision, and dental. Does the comprehensive plan cover vision and dental or is it health insurance only? Thanks.

A:
Most expat plans will cover as long as you spend most of your time outside of the US. Please check the plan benefits to determine how much the plan covers towards doctor visits. The plans are mainly medical and not dental and vision plans so they can cover accident related issues but not regular visits.
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Q:,I am 75 years old,female,New Zealand citizen.i live in Medellin Colombia.i would like medical travel insurance from 2 nd April - 11 April.to fly To Miami Florida on the 2nd April and return to Medellin Colombia on the 11 th April.i have no previous medical condition

A:
We have numerous plans available that you may view and quote in the 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:Parents visiting usa from India, how old they can be to get the visitor insurance? is there an age limit?

A:
There are medical maximums for certain age groups. You may view and quote the applicable plans in the Visitors to the USA section of the website to view the applicable options. You may also call our office at +1 (866) 467-8289 should you have additional questions.
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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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