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Ask Our Specialists

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

Q:I am an international student at Towson university. I was looking through your insurance plans and saw that your insurance plan may fit my schools minimum requirements.

A:
Unfortunately, the requirements state that there cannot be a waiting period for pre-existing conditions and plans have at least a 6 month waiting period. There are a few other items that are not met so you will need to purchase the plan they offer to meet their requirements.
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Q:I'm in the process of applying a Schegen visa to France. If I purchase an insurance with your company but not end up making the trip, can I get a refund or modify the dates to match my new itinerary?

A:
Thank you for contacting Insubuy. If you need to modify dates on the plan you may do so by sending a request to service [at] insubuy.com. As long as it is before the effective date of coverage, a change like this can still be made. Should you want to know the specific cancellation procedure for a plan let us know. Generally speaking, most plans would offer a full refund if the cancellation were before the effective date, but of course this is not specific to all plans. Should you have additional questions please let us know.
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Q:I am an American citizen living abroad and will be back to California for a quick 2 week visit later this month. I would like to purchase travel insurance in case of emergency. Can you please point to me which product suits my need?

A:
Thank you for contacting Insubuy for your insurance needs. This plan will only cover the new accidents and new illnesses that happen after the effective date of the policy. Please review the Patriot America Plus plan that will include coverage for an acute onset of a pre-existing conditions. If you need any additional clarification please contact our office.
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Q:I want to know the difference between Safe Travels USA Comprehensive and Safe Travels USA Cost Saver plans.

A:
Thank you for contacting Insubuy. Please click here to find the differences between the plan. If you need any additional assistance.
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Q:My mother (age 89) and sister (age 55) will be visiting from India for 22 days (Sept 17 - Oct 9). What are my best options for buying insurance for them? I have previously bought Inbound Guest and Inbound USA for them through Seven Corners on previous visits. Are those still available and what are the prices?

A:
Will your mother have a birthday during her visit? If not, then we would recommend Safe Travels for Visitors to USA if you are wanting another limited benefit plan. Inbound plans are fixed plans, very basic, so if anything happens the majority of the cost will come from your pocket. The Safe Travels for Visitors to USA is that same type of plan. If you would like a fixed plan for your sister as well you can purchase the same Safe Travels plan but separately. Click here for information on the Safe Travels for Visitors to USA. You can find all available plans on our website here. If you need assistance please feel free to contact our office.
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Q:I am visiting the US from UK 10/15/19 to 12/30/19. Looking to purchase Patriot America Plus, but looking for $100,000 cover. I am aged 79 with current clear health check. Is this possible, if not, what can you recommend? I will be traveling on a green card.

A:
Thank you for contacting Insubuy for your insurance needs. The Patriot America Plus would be a fine option for you, but the policy max will be $50,000 since that is the highest for a 79 year old. You can see the available plans in this 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.

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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