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Ask Our Specialists

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

Q:I understand that Covid "is covered." I have two questions. First, if one of our family members cannot travel (and we're in the same house), can we cancel under this insurance? Or is it just the one individual? Second, if a country is closed due to Covid restrictions, would that be covered? I'm asking for a potential Brazil trip.

A:
Your trip cancellation plan can provide cancellation coverage for a covered unexpected illness like contracting Covid 19 and can cover that person for not traveling as well as any travel companions. A country closing borders etc. due to Covid 19 would not be covered. If you have any additional questions, please let us know.
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Q:I am a Cambodian citizen travelling to British Columbia, Canada for 30 days. \i will be travelling on a visitor visa. What kind of insurance do I need?

A:
You would need to verify visa insurance requirements with your destination country. For plans that can provide travel medical insurance based on your specified travel, you can find those plans through this quote link: /travel-health-insurance/ Some plans will also include benefits for Covid 19 and will state the information within the plan quotes. If you have any additional questions, please let us know.
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Q:I've bought a visitor's Insurance VS198237 some days ago and I've arrived from Italy yesterday (26/01/2023). I will be in NYC until April, 23. I would like to understand how iit works in case of- accident: where I have to go? Hospital, telefone, what do I have to bring with me to proof I'm insured- medical service: which medical services are provided? how do I understand if the doctor I desire is assured?- pharmacy: what exactly happens in this case? I've got some drugstore and pharmacy near my house, I would like to know how to use the ID

A:
Your plan does not have a network and therefore you can go to any provider. You would present your insurance ID card to the provider office so they can verify your benefits. The provider will either direct bill the insurance company, or have you pay up front for services and file a claim for reimbursement. You would be reimbursed up to your plan's benefit levels as long as the treatment or services were for covered medical expenses under the plan. If you have any additional questions, please let me know.
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Q:I am with the University of Memphis international student office. My quest is does the Patriot American plan cover major medical up to 500,000.00 and does it provide medical evacuation and repatriation?Brenda Cowans bwcowans@memphis.eduamerica

A:
What plans would meet your requirements would depend on your visa status, for example an F1 or J1 visa holder and your sponsor. The Patriot plan can offer up to a $500,000 lifetime maximum based on age group and it offers up to $1,000,000 of medical evacuation and repatriation benefits. We would recommend emailing your requirements or school's waiver form to info@insubuy.com so that we can review them and forward you appropriate plans. If you have any additional questions, please let us know.
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Q:I am purchasing Patriot America Lite for 27-30 January. The policy came up as insured for 5 days. Then I entered 27-31 and got same price. Is there a five day minimum?

A:
The Patriot America Lite plan as well as most plans have a 5 day minimum purchase. We would recommend entering in a full 5 days when selecting your dates. If you have any additional questions, please let us know.
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Q:We are renting a beach house for a week this summer and worried about covid shutting it down.

A:
If you are referring to Trip Insurance plans, those plans are available to U.S. residents traveling and can provide coverage for trip cancellation due to specified named reasons. Medical issues are usually named reasons so for example you have the insurance and then someone contracts Covid 19 after the effective date and now cannot travel, that could be covered. However, the plans will not cover borders being shut down due to Covid. That is a known current risk. Previously many airlines and hotels etc. would have possible credits for later if something like that were to happen, but that is up to the vendor directly. Some plans can provide a benefit for Cancel for any reason which you could obtain on a policy if it's available in your state and you purchase the insurance within 21 days of your initial trip deposit date. This benefit would provide coverage up to 75% of non-refundable trip costs for any reason for cancellation. 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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