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Ask Our Specialists

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

Q:I am 74 but I do not really have a preexisting condition. I take synthroid and two metoprolol (25 mg) daily. What will be considered pre-existing conditions? I will want this coverage every year for 6 months.

A:
Plans are designed to cover anything new that happens after the effective date of the policy. Anything that manifested itself in the body prior to the effective date of the policy will be considered a pre-existing condition. Please use the link listed below for more information about the plans and to review the available plan and to generate a quote for coverage. Medical Insurance for Travel Outside of the USA If you would like assistance from a licensed agent please contact our office.
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Q:My name is Amna i am from UAE, I have plan to come to California, USA for child delivery. So i am interested in any health insurance which one is covered full maternity. Kindly let me know if you need any more details from my side.

A:
Short Term medical 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 condition, immunizations or maternity / delivery cost .This will be an expense that you would pay for out of pocket. At most some plans may cover for the complications of pregnancy up to the first 26 weeks of pregnancy. If you would please provide the visa status you will arrive on as well as the state that you will need coverage in, we can determine what plans you eligible for and if the complications of pregnancy benefit would be available to you.
{{currentOrigin}}/answers/visitors-insurance-usa/medical-insurance-visitor-to-the-us-maternity-covered-in-full-45664/

Q:Do you cover immunization 100%? Also, after the copay and deductible is paid by us, you guys take care the other expenses with the hospital, right?

A:
Please keep in mind the plans are designed to cover new illnesses, injuries or accidents which occur after the effective dates of the policy. The plans will not cover pre-existing conditions, routine doctors' visits, or immunizations.
{{currentOrigin}}/answers/travel-health-insurance/insurance-immunization-coverage-copay-and-deductible-59171/

Q:We are a couple F37 and M49, US citizens. We have decided to travel the world and not settle in one place. We are looking for a health insurance that will be covered globally. Can you please let me know if you have any product that will be suitable for us.

A:
There are two options that we can consider for your specific situation while you are living abroad. 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. You can also look at International options, Travel Outside USA Insurance, that will cover only the new accidents and new illness that occur after the effective date of the policy. If you have any questions about either of the available plans please feel free to contact our office.
{{currentOrigin}}/answers/international-private-medical-insurance/health-insurance-global-coverage-90373/

Q:I am in perfect condition to travel at 13 weeks pregnant. I am traveling to NZ from Mexico for two weeks, passing through the states. I need an insurance that covers pregnancy and any complications that might arise. Do you have a plan that offers this? Can you send me the info please, so that I can make the purchase as soon as possible?

A:
The short term policies for visitors traveling outside their home country will cover new injuries and illnesses that should occur after the effective date of the policy only. The plans for visitors will not cover pre-existing conditions, routine maintenance or preventative care. Click the links below to view the plans that will provide limited pregnancy coverage. Atlas International and the Atlas Premium International plan will provide coverage for pregnancy complications only for up to 26 weeks. Safe Travels International Cost Saver plan will provide emergency medical treatment of pregnancy up to $2500. Should you have any questions or need further assistance of any kind please call our office. We would be happy to assist you, as we are your customer service representatives before, during, and after purchase.
{{currentOrigin}}/answers/visitors-insurance-usa/medical-insurance-traveling-to-us-pregnancy-complications-coverage-16579/

Q:I wish to know about travel insurance policy for a US citizen (age 77) . She is planning to travel Hungary for 6 months.

A:
Please see the Travel Outside the USA section of our website. Enter in the appropriate information and the available plans will populate in accordance with the information entered. These plan will cover any new accidents and new illness that happen after the effective date of the policy.
{{currentOrigin}}/answers/international-travel-medical-insurance/travel-insurance-for-us-citizen-traveling-to-hungary-78853/

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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