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Ask Our Specialists

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

Q:Will my insurance cover the covid-19 antigen testing for travel?

A:
No plan on the market will allow the COVID-19 testing for travel purposes as it is a known expense due to travel. You will have to pay out of pocket for such 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:I am 86, green card holder Canadian. My wife (88) native U.S. citizen with insufficient number of quarters. Can my wife buy into Medicare with supplements? Can I get Medicare on account of my wife - if not, can I buy Marketplace private insurance for myself? I am prepared to pay for fee-based consulting service.

A:
Unfortunately, we would be unable to assist you regarding this as we do not offer Medicare or domestic insurance products. You will want to contact the marketplace. They will be able to point you in the correct direction with regard to the appropriate coverage. 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:What is recommended for the Philippines?

A:
Please take a look at available plan for travel to the Philippines.
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Q:Hi, I would like to buy Exchange Guard Choice plan for my J1 stay in Colorado. However, I am unable to ensure that providers that are within PPO UnitedHealthCare are in Denver/Aurora, CO, where I will be most of the time.Could you please provide me with means of verifying that providers within given PPO are in Colorado? The link within your website does not work. Thank you.

A:
Please use the PPO network link to search providers in your area.
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Q:There is zero deductible option for comprehensive insurance.If that be so, why does plan details mention that after deductible coverage beyond a certain percentage and after that 100% coverage.So what is the meaning of ZERO DEDUCTIBLE IN THE option I was going to opt for

A:
Depending on the plan selected and whether or not you are in or out of network your co-insurance can be different. So after the deducitble that you have selected an additional amount could be due.
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Q:I am traveling to Saudi Arabia for long term business and I am advised that visitors need "Covid Insurance" I already have regular medical coverage and was tolf that Travel insurance would cover the "Covid insurance " portion of that.Any advice is appreciated.

A:
You may view and quote the applicable plans in the COVID-19 Travel Medical Insurance section of our website as long as you are traveling outside your primary residence country. Should you have additional questions or need further assistance please let us know. 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.

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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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