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Ask Our Specialists

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

Q:Hi, I am 67 years old and planning a trip from Ontario to Florida - 3 weeks starting Jan 7 2022. I had a angioplasty (Stent put in) 17 years ago (2006). Since then I have had no follow up issues - no issues related to my heart - or any other issues. Just want to confirm i can get medicakl insurance that will cover any emergency including acute onset of pre existing condition. Also want to make sure COVID emergency care is included - when I filled form (for a quote) in Online it mentions COVID excluded (Quote said Beacon Insurance. Thank you

A:
An Acute onset is a sudden and unexpected emergency that comes on without symptoms or warning and requires immediate care within 24 hours and it's rapidly progressing. If whatever emergency that happens would be an expected issue because of the pre-existing condition, it would not be covered. If it would not be expected, it could be covered. Until something happens and the claims department is able to obtain the medical report, there is not a way to know if there would be coverage as they cannot until then know what happened and what caused the issue. You want to think about Acute onset as a possibility of coverage. If it's states Covid-19 Excluded, which Beacon does, it provides no benefits for Covid-19. The plans that provide benefits for Covid-19 will state Included and will cover any medically necessary testing and treatment if contracted after the effective date of the policy. We would recommend a plan that provides Acute onset benefits equal to your chosen policy maximum and Covid-19 coverage as well. Please take a look at this plan option: /patriot-america-plus-insurance/ Please let us know if you have additional questions.
{{currentOrigin}}/answers/international-travel-medical-insurance/ontario-florida-angioplasty-stent-heart-insurance-emergency-acute-onset-pre-existing-condition-covid-38743/

Q:how to extend insurance? I have two insurances to extend.

A:
You can extend the insurance online using MyAccount You can also call our office at +1(866)INSUBUY and any of our licensed agent can help
{{currentOrigin}}/answers/visitors-health-insurance/how-to-extend-insurance-i-have-two-insurances-to-extend-52687/

Q:We had to do Covid test in Buffalo, while symptomatic and pay for the PCR test. The pharmacy did not accept the insurance information and hence would like to claim the amount. Is the Rapid PCR test covered in the insurance. The test came back positive.

A:
The only testing that is covered under your plan would be a positive test result due to illness and the insured went to a Dr. who recommended the test. If someone did not feel well and you went to a pharmacy to schedule a test without the insured being seen by a Dr., that test would not be covered. If the insured was seen by a Dr. who recommended the test, you can file for reimbursement through My Account on the Insubuy website using your plans claims forms. Please let us know if you have additional questions.
{{currentOrigin}}/answers/visitors-medical-insurance/covid-test-symptomatic-pcr-test-pharmacy-insurance-rapid-positive-61995/

Q:Hi, I am an Indian citizen looking to travel to Maldives. Does Safe travels international cover for Covid-19 Quarantine/Hospitalization ? How does the claim procedure work for Indians ?

A:
Safe Travels International Cost Saver is a plan that can cover non-U.S. residents and does include both quarantine benefits (Trip delay benefits), as well as medical coverage for Covid-19 if contracted after the effective date of the policy. You would file claims for reimbursement using the claims forms for your policy that you would access through your My Account on the Insubuy website. Please let us know if you have additional questions.
{{currentOrigin}}/answers/holiday-insurance/citizen-travel-maldives-safe-travels-international-covid19-quarantine-claim-procedure-48868/

Q:Hi My parents came to india on 23rd November 2021 and I would like to buy a dental plan till end of their stay in USA i.e. 19th May 2022.

A:
Hello we have Carrington discount plan available for people traveling to US /individual-family-dental-plans/
{{currentOrigin}}/answers/trip-insurance/dental-plans-available-24972/

Q:Is there a policy that has more than 7000 trip delay coverage? We're going to the Maldives and if we have to quarantine, the 7000 will not cover the entirety of the lodging costs as it's very expensive there.

A:
Unfortunately we do not have a policy that covers over 7,000 please be advised the plan covers 7,000 per person so the total benefit may be higher with more people.
{{currentOrigin}}/answers/holiday-insurance/is-there-a-policy-that-has-more-than-7000-trip-delay-44974/

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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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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