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Ask Our Specialists

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

Q:My mother - aged 65 years - will be arriving in the US on 02-Dec-2021 and will be leaving on 03-Apr-2022. I want to get a plan which covers both visits to the doctor/urgent care (if required) in addition to any covid testing required.

A:
Our plans cover both visits to regular doctors and urgent care. Unfortunately travel plans do not cover for Covid-19 testing unless its medically necessary to diagnose a medical condition. /difference-between-health-insurance-and-short-term-travel-medical-insurance-or-visitors-insurance/
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Q:Hi,I am a visiting scholar at NC State with J-1 visa. I think you meet their insurance requirements. I have 2 children with me with J-2 visas. Does your insurance cover the immunizations of children and acne medications for kids? Thank you!

A:
Unfortunately, there would not be a plan that would include such coverage. You will have to pay out of pocket for such expenses. However, we have numerous plans that could meet the necessary requirements by your university. You may view them in the North Carolina State University Insurance section of our website. Should you have additional questions please let us know. You may also call our office at +1 (866) 467-8289.
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Q:how do I use the insurance if I get sick or have an accident while traveling overseas?

A:
Thank you for contacting Insubuy. You may visit any medical provider you'd like to obtain medical treatment. At the time of an incident you will need to present the insurance ID card. The medical provider can use the information on the card to contact the benefits department, verify eligibility, and coordinate billing if they'd like. If the medical provider ask you to pay up front, then you may pay and file a claim for the reimbursement. You may also view the International Provider Network Directory to search for international providers that have billed the insurance directly in the past. If you have any additional questions, please let us know.
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Q:I am 73 yrs old and my wife 69 yrs old. We are immigrants from India. we need an insurance coverage for 3 monthsWe are hale and hearty.What is the best plan you can offer to us.?

A:
Due to the different age groups of yourself and your spouse, you would want to do separate quotes for a full list of options for each of you. You may view and quote plans in the New Immigrant Insurance section of our website. Should you need assistance of have additional questions you may also call our office at +1 (866) 467-8289.
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Q:Hello,My mother (71 years old) wants to travel to the US from Greece on 12/10 but she had an ischemic stroke back in June 2021 and she's now fully recovered from it. We're worried she might have another incident similar to this one while she's in the US. Is that considered an acute onset of pre-existing condition? Would this be covered by an insurance plan? If so, what paperwork would it possibly be needed to be submitted from Greece before we actually buy an insurance plan?Thank you,

A:
This situation would be determined by the claims department based on the attending physician notes and lab report from the time of service. It would be important to familiarize yourself with the certificate wording of the policy you are wanting. Make certain of the plans benefits and confirm she would qualify for the acute onset benefit at her age. Unfortunately, there is no definitive answer of yes or no with regard to existing conditions and the reoccurrence thereof, as such things will not be determined until the time of service. 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 any policy have a waiver for pre-existing EXCLUSION?

A:
There would not be a plan available for Visitors to the USA that would allow coverage for pre-existing conditions, preventative or routine care. However, there are plans available that have an acute onset benefit for certain age groups that could be benefitical to you. Please read over the certificate wording of the policy you select to familiarize yourself with its benefits. Should you have additonal questions or need further assistance 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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