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Ask Our Specialists

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

Q:I am trying to purchase a visitor insurance for my mother who will be traveling to USA in December. Dates of travel: Dec 21 - Apr 1 Age: 55 What comprehensive insurance plans would you recommend? I am looking for something that has coverage for pre-existing conditions as well.

A:
There will be several plans available to your mother during her visit in the United States. There are comprehensive plans called Atlas America and Patriot America Plus that are options that are available to her. Plans are designed to cover the new accidents and new illness that occur after the effective date of the policy. Plans do not cover pre-existing conditions or maintenance visits as it relates to pre-existing conditions, preventative care or medications as it relates to pre-existing conditions. Some plan will offer coverage for an Acute Onset of a Pre-existing Condition. Please see the link for a detailed description of and acute onset of a pre-existing condition. The determination of an acute onset of a pre-existing condition will be determined at the time of the claim according to the certificate wording and the attending physician notes. If you need any additional information please feel free to contact our office.
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Q:We are a family living in Spain--I am from the USA, my husband is from Spain. We have five children, ages 6-15 who are also U.S. citizens. We are looking for accident insurance for the whole family, that would cover us in the USA and also worldwide.

A:
There are Expatriate Health Insurance plans that would be available and will cover more like a domestic insurance that you are used to in the United States. This plans are underwritten as they typically offer coverage for pre-existing conditions, preventative care among other benefits. You can review these options using the link. Expatriate plans can cover your worldwide including the United States as long as you are not in the US more than 6 months in a given year. If you have any questions about the available plan please feel free to contact our office.
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Q:The short term you can offer is ACA compliant?

A:
Short term plans are not ACA compliant and you will still be responsible for any penalties assessed.
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Q:Good morning, I am looking for a travel insurance for a week-long trip to NYC. I am a 30 y-o Italian citizen, currently living and working in Sweden. Funnily enough, I don't seem to find European insurance companies that suit my case (long story short: Italian insurance companies can't offer cover anymore because I moved my residency, and Swedish companies can't either because I have just moved and I am waiting for the documents to make it official... therefore, until I receive Swedish tax number and ID I am not yet considered a resident). If I read correctly you offer cover also to non-US residents? How does it work? I have no pre existing conditions or medical problems - I am just looking for a general healthcare/coverage for medical emergencies and travel insurance for this trip, which would take place from Dec 2 to Dec 10, 2017. I look forward to hearing from you, thank you and have a nice da.

A:
Thank you for contacting Insubuy for your insurance needs. We are a broker and offer all of the major plans available on the market for anyone visiting the U.S. or traveling international. The plans are designed to cover you anywhere outside of your home country. The home country is defined as the country where you primarily reside. Please use the link provided to view Visitors to the USA section plan options for your trip to New York. Out of the options available, one of the more popular options is the Patriot America Plus. You may purchase this plan online or over the phone by contacting our office at (866) INSUBUY. Please let us know if you have any additional questions.
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Q:Do you offer "for any reason" travel insurance? I've never bought travel insurance before, and I bought a lot of questions about it.

A:
Thank you for contacting Insubuy for your insurance needs. We have plans available which will provide the cancel for any reason benefit. We have included links to two plans available on our website. The first is the Roundtrip Elite, and the second is the Travel LX plan. Either plan will provide the cancel for any reason benefit. We would be more than happy to answer additional questions you have in regards to how the plans work, or plan benefits. You may contact our office at (866) INSUBUY. - Trip Insurance - Travel LX Other helpful articles - Cancel for any reason travel insurance - What is travel insurance
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Q:I am flying to US by next month. I used your insurance liaison international policy. I am Egyptian women of 62 years old. I am recently diagnosed with sleep apnea with a prescription of Cpap. I am asking if I wanted to get the cpap from USA, would that be covered by this insurance. What are the required papers

A:
Thank you for contacting Insubuy. Unfortunately, the Cpap prescription would not covered. Short term health insurance plans for visitors are designed to cover new illnesses, injuries or accidents which occur after the effective date of the policy. They will not cover pre-existing conditions, routine doctors visit's or prescriptions due to a pre-existing condition. 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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