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Ask Our Specialists

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

Q:A quick question. I just purchased a travel insurance to visit home in california. Just for peace of mind i wanted to know if emergency surgeries such as appendectomies are covered through the insurance. Thanks

A:
Plans are designed to cover whatever is medically necessary related to a new accident or illnesses that did not exist at the effective date of the policy. If the new accident or illnesses is determined to require surgery by the attending physician it could be covered under the policy. The claims department would make that determination at the time of the claim in accordance with the medical notes and the certificate wording.
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Q:I am looking for insurance that include medical insurance and also trip cancelation and trip interruption coverage. My flight is covered by frequent flier miles. If for some reason any of my covered flight is canceled would trip interruption coverage allow me to buy a new ticket?

A:
We do have Trip cancellation plans available to U.S. residents that do include medical benefits as well. You can find those plans through this link: /travel-insurance/ However, Frequent Flier miles are not covered under any plan. Only non-refundable trip costs with receipts of funds paid can be covered under a trip cancellation plan. Also, trip interruption benefits are for after departure on a trip and usually only apply to the death of an immediate family member in home country, or destruction to your principle residence in home country. If you have any additional questions, please let us know.
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Q:My traveling companion refuses to get Covid-19 vaccinated. If after purchasing an airline ticket the destination country starts to require vaccination, will his ticket be refunded under trip cancelation insurance

A:
Not meeting requirements for travel is not a covered expense under any plan. If you have any additional questions, please let us know.
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Q:My Parents would like to visit me in the US. However, my mom has a pre-existing condition (Multiple Myeloma, a type of cancer). She has to take 2 cycle of her treatment when she will be in the US. Is there an insurance that will cover this treatment?

A:
Unfortunately, there are no visitors insurance plans that will provide coverage for expected medical treatment. The plans are designed to cover someone primarily for a new illnesses, injuries or accidents that either exist in the body or occurs after the effective date.
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Q:When is the earliest that i can take a travel insurance? How many months in advance can i purchase a travel insurance for a visitor to USA?

A:
Most plans are available within the six month window. you can plan for a trip further in the future, but you will receive less options.
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Q:Dear Sir or Madam,I am a German citizen who will do an internship in New York starting from April 2023 with an international organization. I will therefore require a G4 visa. I am confused as to whether there is a requirement to obtain medical insurance for this visa and if so, which medical insurance plans fulfill these requirements. If you could recommend such plan to me or provide me with further information, I would be very delighted.Thank you very much in advance.

A:
We first recommend to contact the consulate since insurance requirements can change on a daily basis. Once you do feel free to contact an agent with your requirements and they would be happy to show you all the plans available.
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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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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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