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Ask Our Specialists

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

Q:my spouse and I live in different provinces in Canada and are taking 2 cruises (back-to-back) out of Puerto Rico. we have adequate medical insurance, but want to purchase trip cancellation insurance in case one of us test positive for COVID before embarking.

A:
There are numerous plans available you may view and quote in the Trip Insurance section of our website. Please read over the certificate wording of the policies to be certain it would include the appropriate coverage you are looking for. You may also call us at +1 (866) 467-8289 for a recommendation. Should you have additional questions please let us know.
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Q:2 canadian citizens travelling to Puerto Rico to board a cruise ship for 14 days. currently have medical insurance. looking for trip cancellation insurance.

A:
You may view and quote insurance plans in the Trip Insurance section of our website. Should you have questions please let us know. You may also call our office at +1 (866) 467-8289.
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Q:Does Safe Travels Voyager policy pay for trip cancellation costs if traveler is denied boarding on plane due to a positive Covid test at departure?

A:
It would be determined at the time of service to see if the cancellation could fall under the Cancellation for Medical Reasons benefit. You would need to also make sure you are have a medical professional fill out their portion of your claim form for the possibility of coverage. For full list of benefits and definitions, please read over the certificate wording. Should you have additional questions you may also call our office at +1 (866) 467-8289.
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Q:I am a Malaysian in Malaysia. I plan to travel to Bahrain. I am looking for a travel insurance which covers COVID related expenditures especially medical. Can I purchase a policy from a US based company as listed in your website (as many US insurance companies cover COVID-19), being a Malaysian from Malaysia travelling to Bahrain (hence travel has nothing to do with the US). Thank you.

A:
You may view and quote insurance plans in the COVID-19 Travel Medical Insurance section of our website. Should you have additional questions you may also call our office at +1 (866) 467-8289.
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Q:Hi! I'm a foreign national travelling to the US, and am considering Atlas America Premium from Worldtrips vs Diplomat America. Diplomat has no PPO network so I can seek treatment anywhere, whereas it seems from the policy wording that Atlas America Premium does not cover expenses at non-PPO healthcare providers, is that correct or am I misunderstanding the policy? If correct, does this, in practice, limit one's ability to receive covered treatment locally in the event of injury/illness?

A:
The atlas plans cover both in and out of network to the policy max, we usually recommend a plan with a PPO network due to the fact that the doctor might not recognize a plan that is not in the network and choose to bill you directly. PPO networks are meant to give you more options to receive medical treatment and not take them away.
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Q:My parents are diabetic. My father had a heart bypass surgery 8 years back. Recently, he suffered with Covid-19. Also, He had kidney infection and required dialysis for few months. He got best treatment in home country and has recovered fully. What kind of visitor insurance I should buy while my parents will be visiting to USA? I am afraid in their age if they fall sick while in US, it may cause a huge medical expense.

A:
Thank you for contacting Insubuy for your insurance needs. We have numerous products available to meet your needs. The visitor insurance plans available on the market are designed to cover the new illnesses and injuries that are contracted after the effective date of the policy and will exclude the coverage for pre-existing conditions, preventative and routine care. However, there are some plans available that could offer an acute onset benefit which could be beneficial to you. Please read over the certificate wording of the plans you are interested in for full definitions of benefits. If they are travel on a visitor visa, you may view and quote available plans in the Visitors to the USA section of our website. Should you have additional questions 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.

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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