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Ask Our Specialists

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

Q:i am travelling to USA on 13th September 2018 until 22nd September 2018. i need travel insurance with medical issues. can you please advise. i had a heart attack in 2013 with 1 stent applied, no further problems since and take medication. also 12 years ago diagnosed with LCC no medication just blood test every year. Can i get travel insurance for this.

A:
Thank you for contacting Insubuy for your insurance needs. Plan are designed to cover the new accidents and new illness that happen after the effective date of the policy. Plans will not cover routine doctors' visits, preventative care, nor any medications related to pre-existing conditions. At most a plan will cover for an acute onset of a pre-existing condition. Please read the following link for more information about this benefit. If you would like to provide your age, the state you would need coverage in as well as the visa status upon your arrival we can recommend a plan and send you a quote.
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Q:I am planning a Kilimanjaro hike trip in first week of July for total 10 days including travelling time. I am 62-year-old residing in Arizona. Would you please give me few options?

A:
Thank you for contacting Insubuy for your insurance needs. There is a plan called USAwaythat will cover you for your trek at Mt. Kilimanjaro. The USAway plan covered mountaineering up to 10,000 Feet. Please use the link listed below for more information about this plan and to generate a quote for coverage. Mount Kilimanjaro Travel Insurance If you need any additional assistance please feel free to contact our office.
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Q:I'm looking at the Patriot America Plus Insurance. It looks good for my relative visit to the US. https://www.insubuy.com/patriot-america-plus-insurance/ I have one question: Can I buy the insurance after my relative entering US? Or it's required to buy before entering?

A:
Thank you for contacting Insubuy for your insurance needs. You can purchase after arrival but then they won't be covered during travel. It's up to you when you purchase.
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Q:I'm a US citizen (32 years old) living abroad and my husband (32 years old, French citizen) and 17 month-old (French/American) will be traveling to the US for 3 weeks (July 9-July29). Neither my husband or I have pre-existing conditions. However, my daughter has strong food allergies; is this covered by your medical insurance? This is very important that I have it clearly stated that emergency medical costs associated with her food allergies would be covered. Her last allergic episode was about 1 year ago. I was hoping to get a quote for our trip. Thanks very much for your help.

A:
Thank you for contacting Insubuy. The available plans are designed to cover the new accidents and new illness that happen after the effective date of the policy. There are no plans on the market that cover pre-existing conditions or anything considered Chronic or Congenital.
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Q:I can't find the link to buy insurance as an American who lives abroad and is visiting the US. I've bought it before but can't find it on the site. If it's still available, could you please send me a link? Thank you!

A:
Thank you for contacting Insubuy for your insurance needs. The plans have changed and the plan you purchased before is no longer available. You can find the available plans on our website www.insubuy.com by entering in the required information or you can purchase the Patriot America Plus which is the plan we recommend. If you need additional assistance please feel free to contact our office.
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Q:I'm considering 'Atlas America' and 'Safe Travels USA Comprehensive' with 100K coverage for a 75 year old. I like the pre-existing conditions coverage on Safe Travels but I'm concerned that GBG Insurance has a lower AM Best rating and that Safe Travels isn't mentioned under the Best Insurance options (https://www.insubuy.com/best-visitors-insurance/). Have you received negative feedback about the Safe Travels plans and would you recommend selecting Atlas America instead? Is the $25K limit for pre-existing condition medical evacuation in addition to the 100K policy coverage or does it deduct from the policy maximum? The Travel section of the coverage description includes an allowance for Emergency Medical Evacuation/Repatriation. If a condition arises where we think it makes financial sense to return home, how would we determine whether the condition qualifies for repatriation coverage?

A:
For someone that is 75 years old we recommend the Safe Travels USA Comprehensive. There have been several changes to the Safe Travels plans that make them a very good option and they are the only plan that offers the Acute Onset benefit for someone over 69. Medical evacuation is a separate benefit. As for the final question, medical evacuation is going to provide transportation to the nearest adequate medical facility. If you have additional questions please feel free to contact our office.
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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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