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Ask Our Specialists

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

Q:In-laws are coming from South Korea to go on a cruise with my family. Cruise departs Orlando and goes down to Caribbean islands. Looking for travel insurance to cover them in case something goes wrong on the cruise or excursion.

A:
If you can enter your information in this link we can quote you all of our available plans, Visitors to US and the Caribbean : /visitors-insurance/
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Q:My Mother is a Green cardholder. She has been in the US for 30 years but has never worked in the States. Basic medical coverage is provided by the Military since I am a retired veteran. However, the Military will change the policy soon, so I am seeking other solutions. I was told she could buy Medicare if she did not work in the US. Is that true?

A:
Medicare is available to a Greencard holder after a few years of being in the US. you can buy a short term insurance while you wait for them to be eligible. you can use the link below to see more information about our bridge plan. Bridge plan: /bridge-plan-insurance/
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Q:If my father, who has known heart problems, visits the US and experiences a heart attack requiring hospitalization and surgery, will your insurance cover the costs? If my deductible is 100 and I have 90/10 coverage up to 60,000 with PPO option, and I receive a 20,000 bill from hospital, how much will the insurance pay?

A:
Please keep in mind that Visitors Insurance plans are primarily designed to cover someone for new illnesses, injuries or accidents that either exist in the body or occur after the policy effective date. They are not designed to cover pre-existing conditions, routine doctors visits, or preventative treatment. Many plans will include coverage for what is called acute onset of pre-existing conditions, which is a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously, without advance warning, and that generally requires to seek immediate medical treatment within 24 hours. The final determination on whether or not the situation would meet the acute onset definition will be made by the plans claims department and they will use the medical records and attending physicians statement to determine if the situation is an eligible expense or not. If your father is still in his home country, and you'd like a plan that provides coverage for pre-existing conditions, you may consider the Visitors Protect. In the example you have provided, if the $20,000 is considered an eligible medical expense the plan would pay $19,400 and your responsibility would be a total of $600. You would pay your $100 deductible, and $500 which is 10% of the first $5,000. This is how most plans will work. If you have any additional questions, please feel free to contact our office at 1+ (866) INSUBUY 467-8289.
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Q:can I buy a comprehensive Safe travel elite diamond plus or does it only allow a fixed coverage?

A:
If you want a comprehensive plan we have Safe travels USA instead. it is a comprehensive plan that pays 90% after the deductible. Safe travels USA: /safe-travels-usa-insurance/
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Q:Does travel insurance cover air ticket if I have to cancel my trip as a result of not being able to get a visa appointment at the German Consulate?

A:
We have plans with cancel for any reason that you can use in case you are denied entry /travel-insurance/
{{currentOrigin}}/answers/group-travel-health-insurance/does-travel-insurance-cover-air-ticket-if-canceled-29985/

Q:status of my claim about medicine because i was diagnisticated with covid

A:
Insubuy is a broker and does not handle or process claims. If you would like to check the status of a claim, you will need to reach out to your insurance company directly. The number to the claims department can be found on the back of your insurance ID card. If you have any additional questions please let us know.
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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.

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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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