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Ask Our Specialists

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

Q:Pre-existing conditions 70 year old Hello, I'm looking for medical insurance for my 70 year old relative who will land in US on March 19th and leave on June 5th. She will not be travelling to any other country. She had open heart surgery in 2014 and takes medications since. She had cataract surgery in 2015 and takes eye drops. Please let me know, what plans would cover, if any of these conditions reoccur.

A:
Thank you for your interest in purchasing insurance through us. There is no short term insurance for an international visitor which covers routine dr. visit, checkup, preventive care, medicine or blood test etc. for the existing conditions. However, some plan covers acute onset of pre-existing conditions. More information on acute onset of pre- ex at, /visitor-insurance-acute-onset-of-pre-existing-conditions/ Updated 08/15: We have some new plan that provides $25000 coverage for acute onset of pre-ex between the age 70-89 yrs. YOu can find more information about that plan at, /safe-travels-usa-comprehensive-insurance/ We have sent you one month insurance quote in a separate e-mail. Meantime, you can also visit our website at www.insubuy.com Please enter appropriate criteria. You will find many plans and you can also compare them side by side. If you have any further questions feel free to contact us at (866)INSUBUY or You can also provide your contact number and will be glad to help you to understand the plan details. Have a great day!
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Q:Insurance Order - Facing Difficulties I just tried to place an order for insurance, the website got to the place where it asks for all the info. on the credit card and after saying place order the website hangs-up, please let me know how this can be fixed ?

A:
Can you please provide some information like which insurance plan were you trying to purchase, insured name, date of birth? So we can look into system whether that application has gone through or not. You can also call our office at (866)INSUBUY will be glad to process the application over the phone. Have a great day! Thanks for the prompt response, my details were Selected programme Atlas essential America dob 03/15/1959 Co-insured:dob 01/10/1976 and son 10/10/2010 Start 06/13/2016 end 08/19/2016 If the application has not gone through I will try again tomorrow, I just want to be sure I don't pay twice (I think the payment was about 406 dollars). We have checked in the system and your application didn't go through. You can purchase it again using link below, /atlas-essential-america-insurance/ If you get any error, please feel free to contact us at (866)INSUBUY.
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Q:Fixed Coverage Inbound Guest Dear insubuy, I want to buy medical insurance for my mom. she is not american citizen. we are interested to buy these plan, My Q, is this covering surgeries also. can I read the policy before I buy it.

A:
Hello, Thank you for your interest in purchasing insurance through us. The plan you are looking at is a fixed coverage plan and is very basic, it will pay a fixed amount according to a schedule of benefits. You can review the schedule of benefits and the policy details here /visitor-secure-insurance/ The plan will cover surgeries for any new illness or injury if medically necessary. For the $25,000 policy max the plan will allow $2150 for a covered surgery and $2970 if you choose the $45,000 policy max. If you need additional assistance please feel free to contact our office.
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Q:Dr. Visits for Pre-Existing Conditions I have previously purchased travel insurance from you for my in-laws and now I am looking for a travel insurance for my dad who is planning to visit me in the USA from India. My father (72yrs) has wet macular degeneration in both his eyes and was taking injections for the same. He is currently off the regular injections except once in a while if his doctor feels the need based on monthly OCT scans. His current doctor has advised him to do regular OCT scans to check if any issues arise that may require further injections to prevent the condition from getting any worse. One eye is beyond repair and current scans are only for the other eye. I am trying to figure out how I can continue his OCT scans while he is with us in the USA. Could you please let me know what kind of insurance I need to purchase and what kind of coverage he would get specifically for a. monthly OCT scan(one eye) (how much would he need to pay out of pocket) b. in case he needs an injection in one eye (Accentrix / Lucentis) (how much would he need to pay out of pocket).

A:
Thank you for your interest in purchasing insurance through us again. As you know we provide insurance from many companies. None of the short term plan for an international visitors will cover routine maintenance or dr. visit for the existing conditions. So if you need to visit dr. for any of his existing conditions that will be excluded. However, We have many plans that covers acute onset of pre-existing conditions up to age 89 yrs.( updated 08/15) . Please find information at, /visitor-insurance-acute-onset-of-pre-existing-conditions/ If you send his travel date, which state do you need coverage will be glad to send you quote also. Meantime, you can visit our website at www.insubuy.com Please enter appropriate criteria. You will find many plans. You can narrow by plans with pre-existing coverage and compare them side by side. If you have any further questions feel free to contact us.
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Q:Meaning of AD&D please i want to purchase inbound USA .what is the meaning of AD&D BENEFICIARY AND AD&D RELATIONSHIP.

A:
Thank you for your interest in purchasing insurance through us. AD & D means accidental death and dismemberment- If something happens to insured who will be beneficiary. You can write parent name. Relationship with insured – whatever your relationship with beneficiary. Inbound USA brochure, instant purchase and other useful information, /safe-travels-elite-insurance/ Link for sample application, /safe-travels-elite-insurance/ Which explain step by step instruction how to fill application. If you have any further questions feel free to contact us.
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Q:Last Name Unknown I was planning to get the travel insurance for my parents from insubuy. I am giving only the applicants's first name and not giving the last name as passport has the first name only. But Insubuy is not allowing me to continue without passing the last name. Can you please confirm who I can proceed further ?

A:
Last name is mandatory in any of the insurance application. If they don’t have last name please enter “LNU” ( last name Unknown ) and then system will allow to continue the application. If you have any further questions feel free to contact us.
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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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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?

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

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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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Most schools require international students to purchase health insurance.

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