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Ask Our Specialists

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

Q:I'm planning a group trip to Costa Rica- we plan to rent an AirBnb and I'm wondering how reimbursement works if each person is responsible for only part of the total AirBnB cost?

A:
You would need to have some sort of paper trail for the contributions made towards the trip for each individual. Keep in mind that there is not a plan that will reimburse a portion of the trip. The plans available can allow for cancellation benefits for the total non-refundable trip cost. Please read over the certificate wording of the policies you are interested for full information on benefits. Should you have questions or need assistance, you may also call our office at +1 (866) 467-8289.
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Q:Hi my father needs his catheter changes every 2 weeks. which is the insurance best which covers this?he is 71 yo with no other pre existing medical conditions like heart, BP or diabetes

A:
Unfortunately, this is an expense you will have to pay out of pocket. The plans exclude the coverage for pre-existing conditions. Should you have additional questions or need further assistance please let us know know. You may also call our office at +1 (866) 467-8289.
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Q:Do plans cover quarantine and medical treatment for covid

A:
You may view and quote the applicable plans in the COVID-19 Travel Insurance with Quarantine Coverage section of our website. 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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Q:My son who is on a F1 visa is currently covered by his college group insurance policy (CDPHP). He graduates in May 2022 and there is a likelihood that he might get an admission to a Masters program. However there could be a gap between his graduating and him attending a Masters program. We would like to cover him for the interim as he might spend time in the US. Also he has a pre-existing condition that was discovered in 2019 but is under control now with medication. If we opt for a new insurance will the pre-existing condition clause be waived or will he to wait for the 6 months in some cases and even after that will the coverage be limited to a specific amount?

A:
This is dependent on the plan that you are selecting. Most of the plans will exclude the coverage for pre-existing conditions, but some could offer some sort of coverage after a waiting period. You may view and quote plans in the International Student Insurance section of our website. Once there, please enter the applicable details and review the certificate wording of the policies for full information on benefits. You may also call our office at +1 (866) 467-8289 for assistance and further recommendations.
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Q:Hello,I would like to purchase the international cost saver insurance plan and would like to confirm something.I had read that you are not covered if the destination is under an avoid all travel advisory but I cannot seem to find that page anymore. I wanted to confirm that I will be covered if there is an avoid non-essential travel advisory (not avoid all travel advisory).Thank you,Brandon

A:
There is not such restriction in the plan. Should you have additional questions or need further assistance please let us know. You may also call our office at +1 (866) 467-8589.
{{currentOrigin}}/answers/holiday-insurance/non-essential-travel-advisory-insurance-for-international-travel-44868/

Q:Does your policy cover travel to countries listed as "do not travel" by government officials?

A:
We would be happy to assist you regarding this. We do have options available. Please call our office at +1 (866) 467-8289 for assistance.
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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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Why purchase insurance from Insubuy®?

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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.

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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.

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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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