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

Q:Trip insurance for cruise in Australia Dear Sirs, I am planning a 28 day cruise in Australia. The cruise leaves in mid Nov 2008. I would like to know how to insure it in that I must put a down payment now of appeox 20% and the balance 3 months before leaving. Total cost of trip $10.000 x2 Down payment $2.000 x 2 Do I do 2 policies, one for the down payment and then later one for the remainder?? regards

A:
You will buy one policy for the total trip cost. You can purchase trip cancellation at /trip-cancellation-insurance/
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Q:CSA trip cancellation insurance I am considering buying trip cancellation insurance from you. On your web site, you state the following: Trip cancellation "provides reimbursement for certain unused, non-refundable expenses due to the cancellation of your trip caused by a covered reason." Would you explain what "certain unused..." means? Would you explain what a "covered reason" means? Thank you.

A:
Please look at the policy wording at /trip-cancellation-insurance/ It describes both of those. You can purchase it online at /trip-cancellation-insurance/ If you have any questions, please feel free to contact us at any time.
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Q:Non US residents eligibility for trip cancellation insurance Trip insurance mension in your immihelp.com wab page is for US RESIDENTS only or also applicable to NON US RESIDENTS?

A:
I believe you are referring to the trip cancellation insurance products listed at /trip-cancellation-insurance/ If so, some of those products are meant only for US residents while others meant for everyone. While getting the quotes, it asks whether you are US resident or not. Answer appropriately and you will see the products appropriate for you. On the other hand, if you can specify what you are looking for and for whom, we may be able to suggest you the products that you would be eligible for.
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Q:Reasons for cancelling trip in travel insurance Is there a plan available that will cover trip cancellation due to weather/illness if vacation package has already been paid for in full? My first payment was May, 07 and the trip is Sept.8-16, 07? Thank You

A:
Please look at Travelite brochure at /trip-cancellation-insurance/ Under description of benefits section, it describes the reaons for trip cancellation. Please let me know if you have any other questions.
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Q:Payment options in Study USA Healthcare I was trying to register for the Study USA plan B on line and got as far as entering payment information. I was wondering if it is possible to pay monthly installments for a 12 month subscription rather than paying for the 12 months at one time? I could afford to pay monthly but I do not have sufficient funds on hand to pay the entire premium upfront. You can call me or email a response. Many thanks,

A:
In Study USA, buying and paying is one and same thing. If you want to pay monthly, you will have to buy for one month initially and renew every month. There is a $5 renewal fee each time. However, your school may ask you to show the proof for insurance for semester, 6 months or 1 year and you can't choose this option in that case. If you want to purchase for 1 year, you have to pay for 1 year upfront. You can purchase Study USA at /study-usa-insurance/ However, if you want to pay monthly and still buy for 1 year, you can look at Student Secure at /student-secure-insurance/ It allows monthly installments. Please let me know if you have any other questions.
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Q:International student health insurance and pregnancy Hi, I am coming to US as a student (IMS). There is a requirement that my wife, who is accompanying me has to purchase Pregnancy coverage. Would like to know insurance policy that I can purchase to meet the requirement.

A:
I believe you will be a full time international student on F1 visa. If so, look at Study USA-HealthCare at /international-student-medical-insurance/ As long as your wife is not already pregnant as of the effective date of the policy, it will cover maternity. Hi, I am a full time IMS (international military student) on A2 VISA. Does the plan applies? Thanks. You can buy Study USA, only if you are on F-1, J-1, M-1 or R-1. Not A2. For A2, you can look at Student Secure at /student-secure-insurance/
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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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