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Ask Our Specialists

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

Q:My H1b just stsarted but I do not meet substantial present test. I am eligible for new immigrant insurance right?

You would not be considered a new immigrant. You can review the Short Term Domestic Insurance options available on our website. You can also consider the Safe Travels USA Comprehensive plan for coverage until your domestic insurance would begin.

Q:Hello, I am an American citizen living in the US. I am coming back to the US and need travel medical insurance that includes both Covid and Ski cover. Can you help? It seems most policies exclude ski cover, even if you buy an extreme sports package. Thank you.

We do offer Extreme Sports adventure plans that you can take a look at in our Hazardous Sports section.

Q:We have visitor insurance that i believe covers doctor visit. We recently did a Doctor (Sick) visit for routine health checkup that involved blood test. The insurance denied the coverage and we had to pay out of pocket. is this the usual case of visitor insurance, what would be the best insurance to deal with all sorts of medical visits. Thanks.

We would be happy to assist you with your policy and claims related questions. Please contact our office for assistance at 1(866)INSUBUY. Plans are designed to cover the new accidents and new illnesses that occur after the effective date of the policy. Any of the visitors insurance plans will cover according to the certificate.

Q:does the Safe Travels USA Comprehensive covers pre-existing conditions? and how do you get your benefits in case you are hospitalized?

The Safe Travels USA Comprehensive plan will cover the Acute Onset of a pre-existing condition. In the event of visiting a provider you would present your ID card and the provider would be able to verify your coverage.

Q:i want to buy travel medical insurance(safe comprehensive). but please can you explain deductible for me?

The deductible is the amount that the insured is required to pay before the insurance begins to pay it's portion of the eligible medical bills.

Q:Canadian Resident working in Montana, Mining. Want Insurance to fly from Montana to Costa Rica for 21 days. Can i buy from you?

We would not have a plan that we could offer to your if you are not a U.S Citizen or Green Card holder.

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 purchase 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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