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Ask Our Specialists

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

Q:Could you please advise - I have been given OPT authorisation for when I complete my MBA at the end of this month. My currrent ExchangeGuard Essential policy is due for renewal at the end of the month too. Could you please confirm that this policy will cover me for OPT if I renew it? Thank you.

A:
Yes, an OPT may have the ExchangeGuard Essential.
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Q:we are going to buy an insurance which cover covid19 , like Safe Travel Elite. My question is that how I can use the insurance when I hapen to take covid 19. Do you give the insurance purchase proof which I can use it at the hospital and you cover the all charge automatically? Or, I have to pay the hospital first and then ask reimburse the money back from your company later?

A:
Direct billing is up to the provider. This would apply to any treatment or services provided including treatment for Covid-19 if the plan you select included benefits for Covid-19. If you have any additional questions, please let us know.
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Q:Hello, Looking to buy insurance for a visitor. Need help in choosing the best one out there for my requirements.

A:
We would be happy to assist you regarding this. You may view and quote the appropriate plans in the Visitors to the USA section of our website. Should you like a recommendation based on your requirements, it would be recommended to call our office at +1 (866) 467-8289 to speak with one of our agents. Should you have additional questions please let us know.
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Q:I have a receipt and would like to claim it

A:
Thank you for contacting Insubuy for your insurance needs. To file a claim you will want to log into the MyAccount section of the website with your certificate number and date of birth to download the appropriate claim form. Once downloaded, fill the form appropriately and follow the submission instructions listed on the form. Should you have additional questions or need further assistance, you may also call our office at +1 (866) 467-8289.
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Q:Pregnancy - If the client is traveling and will be home prior to the 31st week of pregnancy, will the policy cover any unexpected related medical care for herself or the birth of her child during the travel period?

A:
Unfortunately, there is not a product on the market that could offer such coverage. Should anything occur, you would pay out of pocket for those expenses. Should you have additional questions or need further assistance, you may also call our office at +1 (866) 467-8289.
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Q:Hello I need to change the coverage date it was mistak

A:
Once a policy has started, there is not a way to change the coverage dates on the plan. Should you have additional questions or need further assistance, you may also call our office at +1 (866) 467-8289.
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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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