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Ask Our Specialists

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

Q:My daughter and I are planning a guided three-day backpacing trip in August. Does your policy cover thje cancellation of the trip because of wildfires? If so, what are the specific conditions under which we would receive a refund?

A:
Thank you for contacting Insubuy. Based on the information provided we recommend the Safe Travels Voyager plan. This plan does include coverage under the trip cancellation benefit if a Natural Disaster at the site of your destination is renders your accommodations uninhabitable, or the if the natural disaster makes the accommodations inaccessible. To know more detailed information about the cancellation reasons you may view the plan certificate wording. If you would like coverage for a cancellation reason that is not listed, you may also choose the option for cancel for any reason as long as you purchase the insurance within 21 days of your initial trip deposit date. This allows you to cancel the the trip for any reason that is not listed in the plan certificate wording. If you have any additional questions, please let us know.
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Q:I purchased travel insurance several weeks ago for my trip and my flight was just canceled for the first segment. Now they are allowing me to rebook but it's for another day and will take twice as long to get to my final destination. does my insurance cover the cost of my initial booking (and i get a refund) if i were to rebook with a different airline?

A:
We would need additional information in order to better assist you regarding this. Please call our office and provide us with the certificate number so we may better assist you. You may reach our office at +1 (866) 467-8289.
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Q:I have an Ecuadorian passport. MSC cruises says I need to by Ecuadorian Travel Insurance in order to leave Miami. Which type of insurance do I need.

A:
You may view and quote the applicable plans in the COVID-19 Travel Medical Insurance section of our website. If you have specific requirements needed to be met, it would be recommended to send an email to info@insubuy.com for a recommendation on the appropriate coverage. Should you have additional questions you may also call our office at +1 (866) 467-8289.
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Q:My daughter is a US citizen studying in the UK. She has not returned to the US in 2years and has aged off my health insurance here in the US. She is covered in the UK by the NHS but has no coverage in the US. She wants to come visit, so we need short-term (2-3 weeks) medical to cover her while she is here. What type of health insurance do we need?

A:
Thank you for contacting Insubuy for your insurance needs. We would recommend purchasing the Patriot America Plus plan, as US citizens visiting the United States are still eligible for that plan as long as their primary residence is outside the United States. Please review the plan benefits and let us know if you have additional questions. You may also call our office at +1 (866) 467-8289.
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Q:Does the Patriot Platinum America plan cover for COVID_19?

A:
The Patriot Platinum America plan will offer the coverage for COVID-19, the same as any other new illness, as long as it were to be contracted after the effective date of the policy. This will be determined at the time of service based on the attending physician notes and lab report as per the certificate wording of the policy. 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 have been asked by one of our agents if there is an accidental death policy we can sell in small amounts to people coming here from Honduras and Guatemala?

A:
Most plans in the Visitors to the USA section will include some kind of AD&D coverage. Please review the benefits of the available plans to find the most applicable coverage. Alternatively, you may call our office at +1 (866) 467-8289 for a personalized quotation.
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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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