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Ask Our Specialists

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

Q:Travel to USA - Pre-existing conditions coverage insurance Hello from New Zealand. I am looking at taking out travel and medical insurance with you, and have a couple of questions which relate to pre existing medical conditions. Could you please put me in touch with someone who may be able to confirm (or otherwise) whether they are covered under one of your policies. Many thanks for your help.

A:
Please call our office at (866)INSUBUY. Any agent in our office will be glad to help you. Or provide your contact information will be glad to contact you via phone. Or you can send us an e-mail with your questions. Hi, thanks for responding. I am looking to buy coverage whilst travelling to and from, and whilst staying in the US for approx. 3 weeks in June. The specific question I have relates to a pre existing medical condition. I am under medication for hypertension and AF having had a series of strokes 3 years ago. No reoccurrence since then. Should I have a reoccurrence whilst in the US, which policies do you have that will provide me with coverage? Insurance will pay for any new sickness, injuries or accidents that may occur after the eff. date. No pre-existing and preventive care. However, Atlas America has Acute onset of pre-existing conditions. More information on acute onset of pre-ex, /visitor-insurance-acute-onset-of-pre-existing-conditions/ You can purchase Atlas America plan which has coverage for acute onset of pre-existing coverage for age below 70. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please review this and if you have any further questions feel free to contact us. Thank you for the very quick reply - what great service. I am not planning to have an incident whilst in the US, but I did want to ensure that should I have a re-occurance, that at least I would be covered. I have now spoken to “Romane”, who called me as a follow-up. I would like to congratulate you for such excellent service, and Romaine was most helpful and knowledgeable. I will definitely purchase a policy through you, (either Atlas America or Patriot America Plus).
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Q:Travel to USA - Pregnancy coverage insurance I have visited your web-site and have few question. I might travel to the USA from mid-September 2016 to mid-February 2017. (USA Visa type B1/B2) Can you please advise, if the plans (A, B, etc.) you are providing cover for pregnancy and related expenses. and to what extent? thanks in advance,

A:
Thank you for your interest in purchasing insurance through us. There is no insurance that covers pregnancy for an international visitor. Only few plan covers complication of pregnancy up to 26wks. Please read more about that plan using link below. Atlas America brochure, instant purchase and other useful information, /atlasamerica-insurance/ Please feel free to contact us if you have any further questions.
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Q:Trip insurance for family I have a unique situation for which I would like to get a travel insurance quote. We are a family of five: ages 51, 46, 18, 17, and 14. The trip is a combination of our own land exploration of Europe and a 7 day Baltic cruise for 25 days total. Our initial deposit was in May 2014 for a trip in June 2015 for my son’s graduation. Two months after the deposit, my son suffered a spinal cord injury and now, 18 months later, is in a wheelchair. His doctor advised us to postpone this trip until he was at least one year post injury and so the trip was rescheduled for June 2016. My son is medically stable. In fact, he is away at college this year. Trip planning has been much more complicated to make sure that every hotel, train, plane, and cruise is wheelchair accessible. The total amount we have invested in this trip is $11,000 or roughly $2200 per person. Perusing quotes online has been confusing because I am not sure how coverage would work. Please provide me with a quote and explanation of benefits and exclusions. Our travel dates are 5/27/16 to 6/20/16.

A:
Thank you for contacting Insubuy for your insurance needs. We would be more than happy to provide you with a quote and a plan benefit explanation as per your request, but first we will need more information. Can you please state your country of citizenship? If everyone traveling is a U.S. citizen can you also provide the state where you currently reside? Yes, all US citizens, we live in Arizona.
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Q:Traveling to South Africa Recently, I am traveling to South Africa. They have asked me for travel insurance. And a good friend has recommended me to your company. Can I buy that on line? I will stay in Johannesburg for at least 9 days.

A:
Thank you for your interest in purchasing insurance through us. Yes. We provide insurance from many companies that will provide you coverage anywhere in the world except your home country. Our very popular plan is Atlas International. Atlas International brochure, instant purchase and other useful information, /atlas-international-insurance/ Please visit our website at, /travel-health-insurance/ 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. Thank you for your instant reply. Can you kindly give me the estimate cost of a travel insurance to S. Africa for 9 days? In order for us to give you quote. We need your citizenship or resident country, coverage date, age and resident state. Once we have these information will be glad to send you quote.
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Q:Medical insurance for parents coming to Maryland I am located in MD and looking for visitor's Insurance for Parents. Both of them are 70 years old. My mother will be here for 2 months from March to May. and Father from March to Aug end. Could you please suggest me some policies for them?

A:
Updated 08/15. You can purchase Safe Travels USA comprehensive plan. Please find more information at, /safe-travels-usa-comprehensive-insurance/ Or Safe Travels for the visitors to USA- Fixed plan. More information at, /safe-travels-elite-insurance/ Please visit our website at www.insubuy.com You will find many fixed and comprehensive plan. Some plans you have to purchase before their arrival in MD state while others you can purchase after their arrival also. We suggest to go for comprehensive plan but you can decide whether to go for fixed or comprehensive plan. Please compare these plans on our website and feel free to contact us if you have any further questions.
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Q:Maternity insurance coverage I would like to request for a quotation for maternity insurance, my wife is going to north Carolina on a visit visa in mid April and is expected to give birth in June. Kindly let me know if it is possible to cover her for maternity insurance and kindly advice all the applicable charges, many thanks in advance.

A:
Unfortunately there is no insurance for an international visitor that provides maternity benefits. You have to pay from your pocket.
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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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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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