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Ask Our Specialists

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

Q:Is gene therapy covered in the insurance

A:
The plans cover for what is necessary to diagnose a new illness or injury that did not exist in the persons body before the effective date. most plans have exclusions for congenital illnesses since they exist since birth.
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Q:Hello, how can I make a travel insurance for domestic travel within USA. I am US citizen and I want to get insured for my travel within the USA. Please

A:
You are welcome to run a quote in the Trip Insurance section of the website if you would like to insure the non-refundable costs of your trip. If you would like assistance choosing a plan, please call our office at 1(866) 467-8289.
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Q:I want to enroll in an insurance policy that covers from 112024 to 612024. However, my university asks for the insurance requirements below. I wonder if you have an insurance plan that is compatible with them Plan must be compliant with the Affordable Care Act (ACA), Unlimited medical coverage for both preventive and emergency care Include pregnancy benefits, waiting period for coverage Preexisting conditions MUST be covered, Deductible of 500 or less (J1 requirement), Repatriation coverage of at least 25,000 USD (J1 requirement)Medical evacuation coverage of at least 50,000 USD (J1 requirement), A.M. Best rating of A or better OR Standard & Poors rating of A or better Information MUST be provided in English and in US dollars.

A:
Unfortunately, there will be no plan on the market for visitors that will meet those requirements. No plans will be ACA compliant outside of the policy your university offers, therefore you will need to purchase insurance through your school. If you have any additional questions please let us know.
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Q:Hello, we recently experienced emergency when a family member covered under visitor medical insurance bought from Insubuy had to be admitted to the hospital. What should be our next steps?

A:
We advise you to file a claim in your MyAccount to expedite your claim process. you can access your account in the link below. MyAccount: /myaccount/
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Q:i am a US citizen but work in india and i travel to visit my family in US . Can i buy travel medical insurance?

A:
This would be dependent upon what is considered to be your country of residence. Please contact our office at (866) INSUBUY for assistance from a licensed agent.
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Q:do you cover pregnancy for canadians traveling to US

A:
There is not a plan that would cover the cost of maternity or pregnancy related cost for a visitor in the United States. You can consider the Safe Travels USA Comprehensive plan that would provide coverage for pregnancy complications for the first 26 weeks.
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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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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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