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Ask Our Specialists

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

Q:Cancel the insurance

You would need to submit your cancel request through MyAccount on our website, Please let us know if you have any additional questions.

Q:I have a medical bill generated on 09/09/2022 and I have visited the hospital on 09/04/2022. Whereas my insurance with Insubuy started from 9/08/2022. Can I claim my medical bill through Insubuy. Also I have made the payment on 03/06/2023.

The plans will only cover for new illnesses and new injuries contracted after the effective date of the policy. Please let us know if you have any additional questions.

Q:I'm going on a 6 month roadtrip in the United States. I only want coverage for items in my vehicle, in the event that something is stolen. Do you have a plan that only covers this?

We do not provide that type of coverage. If you have addiitional questions, please let us know.

Q:Hello,I am looking to buy insurance for my parents who are 79 years old right now, but will be 80 years at the end of the quote period (6 months)Some of the Insurance quotes mention they cover pre-existing conditions for 80 years old. Does that mean pre-existing conditions will apply only for part of their stay or will it apply for the full stay because they purchased it when they were 80 years old.Thank you

If they are going to be traveling on a B2 visitor visa and have not yet departed their home country, you could look at this plan: /visitors-protect-insurance/ It does include some pre-existing condition coverage as long as they are fit to travel and not coming to the U.S. for medical treatment. If an unexpected issue were to come up with a pre-existing condition, they would have certain benefit levels based on their age. That plan has a 90 day purchase minimum and therefore is not refundable during that first 90 days. Only if you have purchased for a longer duration would the cancellation and refund guidelines then apply. Because this plan is not extendable, you would need to purchase for the full duration of their stay. All other plans if they have any pre-existing condition coverage would be acute onset benefits of pre-existing conditions. Here is some information regarding that benefit: /visitor-insurance-acute-onset-of-pre-existing-conditions/ Any plan you purchase, you would want to purchase for the full duration of their stay if purchasing while they are 79 and the policy will start when they are 79, as once they do change age groups if you try and extend at that time, you could loose benefit levels and the premium could increase. If you have any additional questions, please let us know.

Q:What time does the cover start when you buy from india

Most plans run on EST and some CST, but none of them would be based on the time in Home Country. So for India for example, if they are leaving at 6 am India time on the 26th, it would still be the 25th here in the U.S. so you would want to start coverage from the 25th if you want them covered during their travel and have selected a plan that will do so. If you have any additional questions, please let us know.

Q:I want a plan of medical insurance inside USA. I went through the process of some choice on the website however it turned out to be international insurance outside of usa.

If you are an F1 International student, you can find plans through this quote link: /international-student-insurance/ If your school has specific requirements the insurance must meet, you can review the plans available benefits link to see if it will me them. If you have any additional questions, please let us know.

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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