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Ask Our Specialists

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

Q:I am a little confused...the quote section came up with Schengen countries only.I'm looking at Schengen, Ecuador and Tanzania.I couldn't find a way to get that quoted. I am an Australian citizen, living in Cambodia looking for 12 months travel insurance to those countries, I'm 72 years old.Many thanks

A:
Plans are designed to cover you anywhere outside of the home country you can purhcase one plan and it will cover you in all of the listed locations. You can also call our office and a licensed agent can assist with your plan selection.
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Q:Do I have to be a licensed insurance agent to market and sell travel medical insurance (or other insurance products) through your company? I'm not a licensed agent; however, I am in the process of starting a new tourism business and I would like to offer travel insurance to my clients. Do I need to become licensed to do this?

A:
If you live in the united states you are required to have a life and health license to sell travel medical insurance.
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Q:Hi, My name is Peter Foerster. I am an Australian. At the moment I'm in Cambodia.Am I able to buy. a 12 month travel insurance policy from you. Countries included would be Ecuador, Tanzania and Europe. A 12 month trip ending up in Australia before the policy expires.Many thanks,Peter Charles Foerster

A:
Yes If you can enter your info in this link we can quote all available plans that will cover in every one of those countries. /schengen-visa-insurance/
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Q:Do I need the insurance if I have both of my COVID-19 shots to travel to the Philippine?

A:
Unfortunately we are not able to verify if you need them for travel. you can find out more by reaching out to the consulate or checking the official government website for travel to phillippines.
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Q:Does the plan cover emergency room?

A:
Thank you for contacting Insubuy. the medical insurance plans are meant to cover medically necessary treatments for new illnesses or injuries that develop after the start date Including Emergency room. You can view this benefit in the plan benefit section.
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Q:If i require medical care whilst on vacation how is the medical cover initiated? Do i have to pay myself and then reclaim or can i present my certificate of medical cover to the medical provider to medical attention to be administered?Also how are services such as medical repatriation initiated?

A:
You would want to give the provider your ID card so that they can veerify your benefits and coverage. It will be up to the provider to direct bill or have you pay up front for services and file for reimbursement. You will find the details of your plans repatriation benefits on pages 19-22 of the Certificate Wording which you can also access through My Account on the Insubuy website. Certificate Wording: /patriot-international-lite/travel-health-insurance.pdf 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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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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