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Ask Our Specialists

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

Q:My 22 year old daughter will be an au pair in Spain for 5 months. She needs to have 0 deductible. Can you recommend a policy?

A:
Thank you for contacting Insubuy for your insurance needs. You may view and quote the applicable plans in the Travel Health Insurance section of our website. When purchasing the plan make sure to select a deductible of $0. 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:Hi,I live in the state of New Jersey, where my employer currently pays for my health insurance. But my employment will terminate next month, and I will be without insurance until I get a new job. I read on your website that since NJ does not offer domestic health insurance, I will not be eligible for any short-term health insurance. Could you please confirm this? If yes, what are my options? Since I have my parents' travel insurance through InsuBuy multiple times, I would really appreciate your trusted expert opinion on this matter.Thank you!

A:
The plans that are available to you would depend on what type of visa you have and how long you've been in the US. If you can contact one of our agents so we can find you the plan to meet your requirements. You may contact us at 866-467-8289
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Q:I'm trying to apply for travel medical insurance, but seem unable to. I have previously purchased through Insubuy. I am 66 years old, currently in Australia, leaving 18 Aug 2022, returning 19 Dec 2022. Any ideas why I can't proceed with new cover for this trip?

A:
The Atlas Essential International plan is unable to be purchased if you are physically located in Australia at the time of purchase. You may view and quote the other applicable options in the Travel Health Insurance section of our website. Should you have additional questions or need further assistance, you may call our office at +1 (866) 467-8289.
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Q:do you have plans that pay providers directly?

A:
The providers can either set up direct billing or ask you to pay out of pocket and file a claim for reimbursement for any eligible expense. They have this option because they are still a business and get to decide how they do their billing. Keep in mind the products are designed to offer the coverage for new illnesses and injuries contracted after the effective date. They will exclude the coverage for pre-existing conditions, preventative and routine care. 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 am travelling to Canada from Europe and i am vaccinated with 3 doses. Currently Canada does not have a mandatory arrival quarantine for vaccinated travelers, but they do random arrival tests to vaccinated travellers (and travellers are NOT required to isolate until they receive the test result). If the test comes back positive i would have to isolate for 10 days.Is there any insurance plan provided by your broker company that would cover the costs of this isolation period?I want to enforce that it is not a mandatory arrival quarantine for everybody, i know those are not covered by insurance, it is a specific isolation regarding only the person after a positive test.

A:
Thank you for contacting Insubuy. We have trip delay plans for such an occation. you may find our available plans in the link below. If you have any questions or need further assistance please let us know. Covid-19 Quarantine: /covid19-travel-insurance-with-quarantine-coverage/
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Q:Will visitor insurance cover a doctor's appointment to get a prescription for a medication I had been prescribed in my home country?

A:
No. The insurance products available are designed to offer the coverage for new illnesses and injuries that are contacted after their effective dates. They will exclude the coverage for pre-existing conditions, preventative and routine care. Should you have additional questions 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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