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Ask Our Specialists

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

Q:If my parents have a cold or something uncomfortable, they need to visit doctor. Is this covered by your insurance?

A:
Insurance will pay for whatever treatment medically necessary as long as it's not pre-existing or preventive care. So as long as cold or flu is new sickness that will be covered. Please read article below: What Is Visitors Insurance If you have any further questions feel free to contact us.
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Q:A few questions regarding travel insurance: 1. What is deductible, do I have to pay now along with insurance premium? or when will it be deducted? 2. Does it cover Canada, I am travelling from India to Canada via Amsterdam, then from Canada to USA. Does it cover any emergencies during the travel period in whatever country they are? 3. The insurance premium od 200K is 185 and 500K is 189? how is it so? 4. We three family members travelling all 18 + ...do we have to take separate policies?

A:
Thank you for your interest in purchasing insurance through us. Answer for your questions below: 1. Deductible is the amount you must pay before insurance pays anything. No. In order to have insurance you need to pay only premium. Deductible you will pay only if you need to use the insurance. You choose higher/lower deductible. If you take lower deductible your premium will increase and higher deductible you will pay lower premium. 2. While getting the quote on our website, please select coverage area international including USA. So you will get the plans that provides coverage anywhere in the world except your home country. 3. Probability of using $200k or $500k is very less for whoever is taking that policy max. That's why there is minimal difference in the premium. We always suggest to take higher policy max. 4. Yes.
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Q:I am planning to purchase medical insurance for my parents who will stay in US for four month. I have a question about one of benefits in your plan. My father had stent implantation surgery five years ago. If he feel uncomfortable, I take him to visit cardiologist. Does this belong to on-set of pre-existing conditions or general physical check up?

A:
Simply visiting a cardiologist for discomfort is considered to be a general physical check up with a specialist related to a pre-existing condition, and this is not typically covered. An acute onset of a pre-existing condition is something that is life threatening . Please use the link below to see a detailed explanation on an acute onset of a pre-existing condition. Acute Onset FAQ
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Q:My girlfriend is going to Spain and she needs a letter that she is covered for 30,000 euro which is for 41k in dollars. Do you guys provide and can the letter be emailed were planning to go to the consulate tomorrow.

A:
Thank you for contacting Insubuy for your insurance needs. All plans purchased form the Schengen Visa section of the Insubuy website will provide a visa letter that will be available for download and printing within 30 minutes of purchase. Please use the link listed below for more information about plans that would be available for Schengen visa insurance . If you need assistance in making your purchase or selecting a plan, feel free to contact our office. - Schengen Visa Insurance
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Q:I am a J1 V?sa holder and arrived in Virginia last week. I need a health insurance according to new regulations.My wife also a J1 visa holder. She is planning a pregnancy during our stay in Virginia. Does ?nsurance for J1 visa holders cover expenses of maternity?

A:
Thank you for your interest in purchasing insurance through us. We have many plans for J1 visa holders. Does your sponsor have any requirements that need to be met? If so, then please provide the requirements in a PDF attachment and we can recommend plans based on the requirements. You can also review the plans listed on our website /j1-visa-health-insurance/ after entering the appropriate information. Some plans do offer maternity coverage. If you need additional assistance please feel free to contact our office.
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Q:What plans do you suggest for European tourists (<40 y/o) visiting US?

A:
You can purchase any of the comprehensive plans like Atlas America or Patriot America Plus etc. There is no particular plan for European tourists. Please feel free to contact us if you have any further questions.
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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.

Did you know?

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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