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Ask Our Specialists

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

Q:Does it cover mountain biking

A:
You may find more information on the Mountain Biking Travel Insurance section of our website. 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:HelloMy mom has shown signs of Covid positive Like to know he she can be prescribed for Covid medicine paxlovidPlease share the next stepsInsurance :

A:
If your are needing medical attention, it would be recommended to go to the provider you are needing. You may search the PPO Network through the MyAccount section of the website. Once you find the provider, you can verify with them directly if they direct bill or ask you to pay from your pocket and file a claim for reimbursement for any eligible expense. Should you need to verify eligibility and benefits, you may also contact the number listed on your ID card. Should you have additional qeustions or need further assistance, you may also call our office at +1 (866) 467-8289.
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Q:I have been a researcher at Brigham Womens Hospital in Massachussets for 2 weeks and I need to get a Repatriation and Extradition insurance ( total amount 50.000) which includes me, my wife and my son ! But I didn't see this option to select !

A:
Please see our Medical Evacuation and Repatriation plan: /medical-evacuation-and-repatriation-insurance/ If you have any additional questions, please let us know.
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Q:Hi. I'm trying to schedule a wellness visit since it's provided by the insurance. From the webpage I read, it asked me to register in order to receive paperwork prior to the health exam. However, I don't have a doctor or appointment information to fill out yet in the registration process. Do I need to make an appointment with a doctor before registering? What kind of doctor I should search for?

A:
You need to make an appointment first and be sure to make it specifically for ICD10 diagnostic codes: V70.0 or Z00.00 or Z00.129. Otherwise the insurance company will not provide you with the $125 benefit. You are responsible for everything above $125.
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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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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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Visiting USA?

Healthcare costs are very high in the U.S.

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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?

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You are not eligible to enroll in Medicare for the first 5 years.

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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.

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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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Most schools require international students to purchase health insurance.

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