Ask Our Specialists

Search Questions and Get Answers

Type your question or hashtag below or Ask a Question

Travel Medical Insurance


I have bought travel medical insurance for my parents on March 18th, can it be upgraded to cover covid(like testing and emergency if needed)


The plan you purchased does not provide benefits for Covid-19, because it was purchased before 7/15/2020.  New purchases beginning as of 7/15/2020 of the same plan, now include Covid-19 benefits.  Therefore, anyone who purchases a new plan now will have that coverage.

If you would like to cancel your current plan and repurchase a new policy, as benefits cannot be added to an existing plan, you can do so by logging into My Account on the Insubuy website with your current policy number and date of birth.


However, be advised that if any claims have been filed since the beginning of your current policy, we would advise you to contact our office directly at 1-866-INSUBUY to discuss how that would impact cancellation, claims and repurchasing a new plan.

You can find other plans that include Covid-19 benefits including comprehensive plans through this link:


The plans that offer benefits for Covid-19, will cover it as any other new illness as long as it is contracted after the effective date.

If it were contracted before the effective date, it would be deemed pre-existing and not covered.

The plans will not cover elective testing for Covid-19.  

If you have additional questions, please let us know.

Last Updated: {{question.updated}}
Published: {{question.published}}
{{question.likes}} {{question.likes == 1 ? 'person found this answer useful' : 'people found this answer useful'}}
948 page views

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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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.

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More