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Ask Our Specialists
A few questions regarding travel insurance: 1. What is deductible, do I have to pay now along with insurance premium? or when will it be deducted? 2. Does it cover Canada, I am travelling from India to Canada via Amsterdam, then from Canada to USA. Does it cover any emergencies during the travel period in whatever country they are? 3. The insurance premium od 200K is 185 and 500K is 189? how is it so? 4. We three family members travelling all 18 + ...do we have to take separate policies?
Thank you for your interest in purchasing insurance through us.
Answer for your questions below:
1. Deductible is the amount you must pay before insurance pays anything. No. In order to have insurance you need to pay only premium. Deductible you will pay only if you need to use the insurance. You choose higher/lower deductible. If you take lower deductible your premium will increase and higher deductible you will pay lower premium.
2. While getting the quote on our website, please select coverage area international including USA. So you will get the plans that provides coverage anywhere in the world except your home country.
3. Probability of using $200k or $500k is very less for whoever is taking that policy max. That's why there is minimal difference in the premium. We always suggest to take higher policy max.
4. Yes.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling 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 MoreNew 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 MoreGoing 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 MoreAre 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 MoreTraveling 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 MoreTraveling 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 MoreInternational 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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