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Ask Our Specialists

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

Q:Are the premiums quoted per day or for the whole trip? It's strange to see a 50 premium for a 11 day trip to Europe. Please confirm.

A:
The premium is calculated as a daily rate, which is based on your age, policy maximum, and deductible selected. The total premium is your daily rate multiplied by the number of days you are traveling. Since you are traveling for only 11 days, the premium you are seeing while generating a quote is the total time period. If you have any additional questions or need further clarification on how premiums are calculated in Schengen Visa Insurance, please let us know.
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Q:Hi, I'm planning to bring my parents to California, United States for 4 months. My father is 70 years old and looking to buy some travel insurance. I have a few questions on pre-existing and acute onset preexisting condition and wanted to know whether these fall under those types.1. My father had an incident (slipped and hit on the back of the head) couple of years (Apr 2020) before. He was hospitalized and suffered a minor internal hemorrhage at that time. But he was treated and now recovered completely. 2. He also has experiencing discomfort during bowel movement and taking medicine like stool softener. Also consulted with doctor and performed endoscopy. Results looked good. Doctor said the digestion and bowel movement slows due to his age. Occasionally he may also suffer hemorrhoids due to this bowel movement issue.

A:
We have a plan that can provide some coverage for pre-existing conditions. /visitors-protect-insurance/ It must be purchased before departure from home country and can provide coverage in the U.S., Canada, and Mexico. Acute onset benefits are more limited as they cover a specific type of incident. Nothing to do with hemorrhoids and the digestion and bowel problems would fall under an acute onset most likely. Any coverage would depend on what is stated in the attending physicians report at the time of an incident to see if it were to meet the acute onset definition. Please see our FAQ page regarding acute onset benefits: /visitor-insurance-acute-onset-of-pre-existing-conditions/ If you are wanting a plan with only the acute onset benefits rather than the more general pre-existing condition coverage, we would recommend this plan: /atlasamerica-insurance/ If you have any additional questions, please let us know.
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Q:Hi could you please tell me what insurance would be best for my conditionsI have had a mild heart attack over 3 years ago, had 2 cardiac stents put in at the time - I would like to have cover should this happen again ( my cardiologist has told me I am fine to travel, have passed recent stress tests etc ) I also have asthma so would like to be covered if I have a a sudden attack ( I have not had any issue with asthma for over 20 years)thanks

A:
You can purchase Visitors Protect insurance which provides coverage for Pre-existing conditions as long as you are fit to travel and purchase this insurance before your departure date from your home country. This plan is not extendable so you purchase for whole trip duration.
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Q:How does getting a covid vaccine get covered by my insurance?

A:
Plans do not cover preventative or routine cost such as vaccination, immunizations etc... This woudl only be an out of pocket expense if you were to decide to obtain one.
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Q:How is the pre-existing condition established by the plan?Does the visitor need to bring medical history/chart

A:
As most of the plans do not cover the cost of pre-existing conditions you are not required to disclose anything to the insurance company at the time of purchase. If a claim is filed the attending physician will submit the full medical record along with their notes and if necessary medical records from the home country could be requested at that time.
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Q:WHen filing a claim with the insurance provider can they issue a check in the name of the immediate family whom I am visiting. If not, how can i cash the check when I do not have a locak bank account?

A:
When you fill out a claim form it will ask you on the form if you would like any reimbursement payment to be made to someone else. If you have any additional questions, please let us know.
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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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