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Ask Our Specialists

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

Q:I am in France now they told me the card is not working here you have to fill a form I don't why!!!!!

A:
If you are referring to the ID card, it is up to any provider if they want to accept the insurance, or have you pay up front for services and file a claim for reimbursement. Please let us know if you have any additional questions.
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Q:I would like some insurance options that covers all of these requirements,Coverage of insurance has to be at least 30,000 EUR and valid for all the Schengen States. Any expenses for medical treatment (incl. dental treatment), hospitalization, medicalevacuation and medical repatriation back into the U.S. must be covered. The amount must be spelled out or it must say unlimited. NO reimbursement, deductible orco-pay is accepted. The sum has to be split equally between the different benefits (eg.25000 for medical treatment, 25000 for medical evacuation and repatriation) The fact that medical evacuation, medical repatriation and repatriation of remains arecovered has to be spelled out Only insurance confirmation issued by your health provider is accepted. Confirmation lettersby your employer are not accepted. The insurance must contain your name, specified as insurance holder or covered person. The duration of coverage must be valid for your entire stay in the Schengen zone.

A:
You can look at the Schengen visa insurance You can also look at the sample id card and visa letter for each products in the plan details. For schengen visa requirements is 30,000 Euros not Unlimited coverage. Look at the Schengen visa insurance requirements
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Q:I have a question about the 24 hour rule for acute-onset of pre-existing conditions. What if the treatment will need to take longer than that. We would start the seeing a provider within the 24 hours, but they may still be cost reported after that point. Would those be covered?

A:
It would be determined at the time of service based on the attending physician notes and lab report as per the certificate wording of that plan. Should you have additional questions you may also call our office at +1 (866) 467-8289.
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Q:What is the difference between travel medical insurance and travel insurance?Can we cancel anytime and how soon do we receive the policy or approval? Is this a one time payment or monthly?

A:
Travel Medical Insurance does not provide coverage for trip cancellation, whereas Trip Insurance can offer the coverage. 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:Does this insurance covers covid 19 hospitalization and treatment?

A:
You may view and quote plans in the COVID-19 Travel Medical Insurance section of our website. There you will be able to view the applicable plans. 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 there. I purchased Covid travel insurance through this company for my trip to Costa Rica in December. Unfortunately I had to post pone my trip. I am now rebooked and plan to be in Costa Rica for 3 months starting March 20th. I would greatly appreciate and love if I can switch my insurance to the current days as I have paid in full but have not been able to use the insurance. Thank you for your time and understanding

A:
Thank you for contacting Insubuy for your insurance needs. Please be advised that you would be unable to change the coverage dates of a policy once it has already begun. You will have to repurchase a new plan for the coverage dates you are needing. 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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