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Ask Our Specialists

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

Q:Father has pre existing heart conditions. Not that anything is expected. He is healthy, but want to know which plan would cover in case of event. like cardiological checks, if needed.

A:
There is not a plan that will cover cardio check ups. The plans for visitors cover for new illnesses and new injuries that manifest or occur after the effective date. They do not cover for preventative care, routine maintenance, or pre-existing conditions. Some plans do provide acute onset benefits of pre-existing conditions but that is not general pre-existing condition coverage. Please see this link for information about acute onset benefits: /visitor-insurance-acute-onset-of-pre-existing-conditions/ If you have any additional questions, please let us know.
{{currentOrigin}}/answers/visitors-health-insurance/pre-existing-heart-conditions-expected-healthy-plan-cardiological-68873/

Q:Please get me visa to get USA

A:
Insubuy is an insurance brokerage and does not handle anything related to the visa process. Should you have questions related to the insurance products available on our website please let us know. You may also call our office at +1 (866) 467-8289.
{{currentOrigin}}/answers/new-immigrant-medical-insurance/visa-application-for-travel-to-united-states-26852/

Q:My wife and I are retired US citizens traveling for just under 90 days in Europe this summer. We are looking for travel insurance including medical evacuation and basic trip cancellation, trip interruption, etc. coverage. We've had difficulty finding coverage for this length of time.

A:
You may enter your travel information into the quote screen of the Trip Insurance section of our website. There you will be able to view the applicable plans and their pricing. Should you need asssitance, you may also call our office at +1 (866) 467-8289.
{{currentOrigin}}/answers/travel-insurance/trip-insurance-for-long-term-stay-abroad-54950/

Q:My question is simple, when an airline "simply" decides to cancel a flight; not due to weather or strikes or anything like that, maybe they do not have a replacement plane for one with a problem, or there are not enough people etc. (has all happened to be by Spirit Air) and Spirit does not refund me my ticket; also happened to me can I buy Insurance to cover such happenings? I have to fly Spirit to a city and I want to be prepared.

A:
There are numerous Trip Insurance products that can offer coverage for trip delay, loss of checked luggage and cancellation coverage. This is just dependent on the product. Unfortunately, there isn't a product that will refund the cost of your ticket if they cancel the flight the day of. Typically that would go through the airline, as they are responsible for returning your money if services were not rendered for what you paid for. The only other option that could be beneficial to you is a product with the Cancel for Any Reason benefit, however such benefit can only be acquired if purchased within a certain number of days of the initial trip payment and typically has to be used 3 days prior to the trip if you intend on canceling. Please review the products and their certificate wordings for full information on eligibility and benefits. Should you have additional questions or need further assistance, you may also call our office at +1 (866) 467-8289.
{{currentOrigin}}/answers/vacation-insurance/trip-cancellation-coverage-if-airline-cancels-flight-47703/

Q:I will be in France, and will be trveling to some lesser known towns, how difficult will it be to find a PPO

A:
Travel Medical Insurance plans do not have PPO networks. You may go to any provider you would like and they may set up direct billing with the information provided on the ID card or ask you pay out of pocket and file a claim for reimbursement for any eligible expense. This is up to the provider's discretion as they get to decide how they do their billing practices. Keep in mind the plans are designed to offer coverage for new illnesses and injuries contracted after the effective date. The plans 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.
{{currentOrigin}}/answers/vacation-insurance/travel-health-insurance-with-direct-billing-for-travel-outside-usa-98027/

Q:Dental Discount Plan: Is there any condition that someone need to buy dental discount plan for minimum 2 months or 3 months to avail the discount?

A:
You may purchase the discount plan for whichever duration you are wanting. There is no specific duration that must be purchased for the discounts to take effect as per its schedule. Should you have additional questions or need further assistance, you may also call our office at +1 (866) 467-8289.
{{currentOrigin}}/answers/other-insurance/careington-discount-plan-subscription-duration-34081/

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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