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Ask Our Specialists

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

Q:My father has been in US for over 1 year. Due to COVID-19, he is not able to return to his home country yet. Can he still get medical (in- and/or out-patient) insurance?

A:
Eligibility would depend on his age and what state he is residing in, as well as his current valid visa status. If you filed for an extension on the visitor visa, you can select one of the plans available to him based on the above. You can run quotes for available plans through this link: /visitors-insurance/ The plans for visitors will cover for new illnesses and new injuries that occur or manifest after the effective date of the policy. The plans will not cover for preventative care, routine maintenance, or general pre-existing conditions. Please let us know if you have any additional questions.
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Q:Safe Travels USA Comprehensive - What is the maximum coverage limit for my 86 year old father visiting the USA for hospital/ICU room and board? I will be coming next month.

A:
As long as the hospital/ ICU room and board is for a covered expense, in network the plan can pay up to whatever policy maximum you have selected. Out of network, after you meet whatever deductible you select, the plan will pay 80% of the charges up to the first $5,000 in covered expenses and then 100% up to the policy maximum. You can view the plan's benefits though this link: /safe-travels-usa-comprehensive/visitor-medical-insurance/ Please let us know if you have any additional questions.
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Q:If I have used my insurance can I buy more to add on to my existing policy?

A:
Once a policy is active, the policy maximum cannot be changed. Please let us know if you have any additional questions.
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Q:My wife and I may be traveling to Mexico from Canada we have emergency medical insurance but need trip interruption insurance to cover possible quarantine and flight interruption, which coverage is applicable? this will be a seven day trip and we don't want a deductible.

A:
You may view our COVID-19 Travel Insurance with Quarantine Coverage landing page.
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Q:I am trying to figure out how to get insurance that will not only cover us if we need to cancel because we test positive for Covid prior to departure but will also cover the cost of hotel during the required isolation period if anyone in our family tests positive the day before traveling back to the United States and we can't return. I don't see that discussed anywhere- only repatriation costs/medical evacuation. Thank you!

A:
You may view the applicable plans in the COVID-19 Travel Insurance with Quarantine Coverage section of our website. You may also be interested in the Cancel for Any Reason benefit that can be available in the Safe Travels Voyager plan. Please review the plans and their benefits for full information on coverage. Should you have additional questions you may also call our office at +1 (866) 467-8289.
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Q:Im ask for my customer, is travel insurance cover cataract surgery for age 68 if she planning to visit USA in Nov. 2022

A:
Visitor plans will not cover cataract surgery as they do not cover anything to do with vision or pre-existing conditions. Please let us know if you have any additional questions.
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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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