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Ask Our Specialists

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

Q:I am a retire US citizen and Iike to live in Dominicana I got Medicare in US can I use my Medicare insurance in your country?

A:
We are located in the United States. Our Expatriate plans can provide coverage for someone residing outside of the U.S. at least 6 months or more a year. As for as Medicare, you would need to contact them about what coverage they provide outside of the U.S. You can find our Expatriate plans through this link: /expatriate-health-insurance/ Once you run a quote based on your specific information, it will show you any available plans. If you have any additional questions, please let us know.
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Q:Why was I denied treatment in Canada when I got sick yet I travelled to Canada with my travel insurance got sick during my stay but was denied medication?

A:
Insubuy does not process or handle claims. You would need to contact your plan's claims department directly for assistance. Their contact information can be located on the back of your ID Card. If you have any additional questions, please let us know.
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Q:What If I buy the insurance for 6 months, and later I have to reduce it to 5 months? Do I get refund? Am I charged any fees

A:
The refund rules for most Travel Medical Insurance Plans and Visitors Insurance's are similar. If you cancel the policy before it expires, you receive a pro-rated refund minus a $25 or $50 cancellation fee (depending on the plan), as long as no claims have been filed since the effective date. Under each plan, you may click on the 'refundable' link to view the refund rules for that plan. If you have any additional questions or need further help, please contact our office at +1 (866) INSUBUY 467-8289.
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Q:what is a good medical travel insurance for my mother who is 86 years old and is a Canadian and wants to come visit me in the US for 5 months Last time she visited me the insurance was terrible Allianz insurance we paid top dollar but went house it could not so not happy So can you help me with this

A:
A popular plan option for this age group is the Safe Travels USA Comprehensive plan. You may obtain a quote and purchase the plan on our website, or by calling our office at +1 (866) INSUBUY 467-8289. If you have any additional questions, please let us know.
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Q:My mother is 52 and in India, and last month she got issues related to menopause and she got extensive bleeding. But when she referred hospital, it stopped by medication and doctor mentioned and everything looks good and this might be related to menopause. She is planning to travel to USA for 5 months. What if get bleeding issues again? will that be considered as pre existing condition? Which insurance you will advise me to take?

A:
Visitors insurance will generally pay for new medical conditions, injuries or a accident that did not exist before the effective date of the policy. The presence of pre-existing conditions would be determined based on medical reports at the time of incident. The Visitors Protect Insurance plan is the only plan that will cover pre-existing conditions but must be purchased before arriving in the USA. We also recommend having a Physician letter stating the insured is fit to fly prior to arriving in the USA.
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Q:Why can I not get a quote for coverage for a family member who is 71 years old to travel to Mexico. Is there an age limit for all of your travel plans?

A:
You may purchase Travel Medical Insurance for an insured age 71 to travel to Mexico. The highest policy maximum available for someone in their 70's is $100,000. If you are still having trouble obtaining a quote, we recommend contacting our office at +1 (866) INSUBUY 467-8289 and speaking with a licensed agent.
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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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