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Ask Our Specialists

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

Q:Pregnant visiting the USA I need to make health insurance for my wife but i need health insurance include labor for pregnant and we are Egyptian and live in Egypt and we have tourist visa to USA but i need to make medical insurance please we hope to labor in this hospital we need help.

A:
Hello, Thank you for contacting Insubuy for your insurance needs. However, there is no insurance that you can purchase to cover the cost of pregnancy, labor or delivery. There is no such insurance that exist for visitors. If you are wanting to have a baby here in the United States you will be required to pay for these expenses out of pocket. Please review the link below for more information on pregnancy coverage. Pregnancy FAQ: /us-visitor-insurance-for-pregnancy-coverage/
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Q:No PPO Network Available For the Plan from 'International Major Medical (Underwriter Lloyds) for age above 80, the description says no PPO network. What does that mean in terms of what doctors, hospitals can we visit if needed? Does it mean we can visit any doctor?

A:
That means that you can visit any doctor or hospital. You can purchase it online at /international-major-medical-insurance/ We have some other plans on www.insubuy.com Which has a ppo network. You can look at those plans and compare them with international major medical plan. Please let us know if you have any other questions.
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Q:Insurance traveling to Europe, US citizen Kindly provide quotation for the following: travel medical insurance valid for 2 months older than 65 years old travelling to Europe US citizen low budget insurance Please also provide information on what is included in the plan and if pre-existing medical condition is excluded.

A:
Hello, Thank you for contacting Insubuy for your insurance needs. There are many plans that are available while traveling outside of the home country. Plans will cover for any new accidents or new illness that occur after the effective date of the policy. Please use the link listed below for more information about the plans available and to generate a quote. Travel outside US Insurance: /travel-health-insurance/
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Q:Insurance Application Question Hi - My parents are visiting US and i was trying to buy health insurance on insubuy.com. My mother doesn't have a Last name on her passport everything is included in the first name on the passport. How should I enter her name on the policy details?

A:
Hello, Thank you for contacting Insubuy for your insurance needs. When completing and application You will enter her first name in the proper field and for the last name you will use the acronym LNU (Last Name Unknown) in the surname field. Please feel free to contact our office if you need any further assistance.
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Q:Covered Countries regarding Insurance Hello Sir/Madam, My grandfather will travel to both US and Canada, and I just purchased “Safe Travels USA Cost Saver� because it occurs after I searched “international including USA�. However, I can only select destination for US when I purchase through your website. Does it automatically includes the coverage in Canada as well? Thank you.

A:
Yes, the plan automatically includes coverage for other destinations outside of the insureds home country. If you have any additional questions please feel free to contact our office.
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Q:Insurance Deductible Questions I am considering the Patriot Policy for my visiting mother and when reading the policy terms my understanding is that the deductible has to be paid FIRST in order for your company to process the claim and pay the benefit. This is unlike any other insurance policy I ever purchased and I am not sure that I understand right, is this correct? If so, what happens if I pay the deductible in installments directly to the hospital over a 4 month period for example? Is the insurance company holding disbursement until I finish paying the deductible?

A:
Hello, Thank you for contacting Insubuy for your insurance needs. The deductible in any insurance is the amount that is required to be paid before the insurance begins to pays its portion. In a domestic insurance you have a generally a higher deductible and you have what is called a co-pay that slowly assists you in paying down your deductible. In a travel medical insurance plan such as the Patriot Travel Plans there is no concept of a co-pay so you are your responsible for the entire deductible up front. If you need any further clarification please feel free to contact our office.
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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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