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Ask Our Specialists

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

Q:If a group of 26 individuals living in 5 different states buy a group insurance will the individual know how much his or her share is or is it a lump sum amount? A 55 year old should not have to bear the burden of a higher premium of an 80 year old

A:
There is a price breakdown per age group. To figure out how much each person owes you can take the total combined price of a particular age group and divide by the number of people in that group. If you have any additional questions please let us know.
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Q:Does any of the F1 international student insurances cover regular check-ups?

A:
No, no plans on the market are going to cover for preventative care or routine maintenance. If you are looking for insurance that will cover preventative care it is recommended to purchase insurance through your school. If you have any additional questions.
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Q:I had a policy and needed emergency dental care while in Italy. While looking over this policy I see there is a dental reimbursement. Can I make a claim even though this policy has expired BUT the procedure occurred during the active policy?

A:
Insubuy does not process or handle claims. If you have claims questions, please call your claims department at 1(844)251-8339 for assistance. If you have any additional questions please let us know
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Q:I have 2 open policies that are valid till 02/Feb/2024. However, we are cutting short our trip and we wanted to cancel the policies effective 17-Jan-2024. The 2 policies are 2102621 and 2102623. I could not place the cancellation request online since last week. Can you please assist?

A:
If you are unable to cancel the policy please email cancel@insubuy.com. If you have any additional questions please let us know.
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Q:Is coverage provided for Visitor in USA, if visiting other countries in South America during stay?

A:
Yes, most of the plans that are found in the Visitors To USA section will also cover you outside the US. To ensure that they do, please select "international including USA" under Coverage Area. This will not affect the premium but will filter any plan that does not cover outside the USA. If you have any additional questions please let us know
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Q:I am experiencing pain in my right knee. I had an xray September 2023.which showed moderate degeneration in the medial compartment, mild patellar degeneration.Would I be insured to have either an hyaluronic acid injection or prp treatment

A:
No. Visitor plans are designed to cover any new illness or injuries that was not present in the body before the the effective date of the policy. No plans on the market will cover preventative, routine, or known treatment. You can check out this Article for more information Only Visitors Protect can offer coverage for pre-existing conditions, however, it still must be an unexpected event. Meaning any expected or routine care of a pre-existing condition would not be covered. Additionally, it must be purchased before you have left your home country. 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.

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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