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Ask Our Specialists

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

Q:My brother age 77 and I age 72 Make a yearly trip to Myrtle Beach for a week in October to play golf with a group of Army friends (about 50). We send in an initial deposit of 100 each to the group leader. Last year our trip was cancelled due to Covid. We ok'ed the group leader to keep the deposit and use it for this year Oct 21. He arranged things and gave the deposit to the new site early this year. The remaining payment (1800 or 900 each) was paid today (Aug 30, 2021) with and is non refundable by Sept 10th. I estimate our total non refundable costs to be at least 3800 - 2000 golf and condo, 1200 airline, 100 arrival hotel, 500 rental car.I don't understand the "initial" payment in our case and I need a recommendation for our coverage.

A:
In General, It is the very first time you pay anything for your trip. The initial trip deposit is when you paid the initial deposit of $100. We required additional information. We have sent you an e-mail. Please respond to that e-mail for us to give you accurate information.
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Q:Hi, are covid tests (fit to fly) covered through this insurance?

A:
COVID testing for travel purposes would be excluded under all plans on the market. Should you have additional quewstions or need further assistance please let us know. You may also call our office at +1 (866) 467-8289
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Q:Hi,I am primarily interested in travel insurance for my wife and I in the event we cannot travel because of the pandemic Do you provide this type of insurance?Thanks

A:
The only type of coverage available that could offer such coverage would be under a Cancel for Any Reason benefit in a Trip Insurance plan. Please review the options and make certain you still qualify for such benefit. Should you have additional questions or need fruther assistance you may also call our office at +1 (866) 467-8289.
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Q:I am looking at Patriot America Insurance as an American that doesn't currently reside in the states but I am coming home to visit family. Do I need to purchase the insurance from my country of residence?

A:
The Patriot America Plus plan is available to cover a U.S. citizen in the United States that resides outside of the USA. There is not a requirement for the you to have to purchase the plan will in your home country. You can purchase after your arrival in the United States (please look at the geographic restriction for the plan) .
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Q:Will the Visitors insurance covers Covid 19 Testing for travelling?

A:
Plans will not cover elective testing such as testing for travel purposes, this would be an out of pocket expense.
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Q:My daughter is a US citizen but is a resident of Spain. She will visit us for one month. Will this insurance cover her visit?

A:
Yes, as long as she uses her mailing address outside the United States on the quote and application. Please visit our Visitors to the USA section of our website.
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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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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?

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You are not eligible to enroll in Medicare for the first 5 years.

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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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Most schools require international students to purchase health insurance.

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