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Ask Our Specialists

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

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.
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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.
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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.
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Q:does this policy cover trip interruption if you are not allowed to leave the country you are traveling home from due to testing positive?

A:
May we know what policy you are reffering to? you can review what a plan covers under the plan benefits. Quarantine is actually under Trip delay and not trip interruption.
{{currentOrigin}}/answers/other-insurance/this-policy-cover-trip-interruption-if-you-test-positive-21170/

Q:I have comprehensive insurance coverage . Will it cover a Covid 19 test ?

A:
The plans could only allow for testing coverage if it were deemed medically necessary. Such as under a physician recommendation, due to sign or symptoms for diagnostic purposes. COVID-19 testing for travel purposes or that is elective in nature, would be excluded from coverage from all plans on the market. Should you have additional questions or need further assistance please let us know. You may also call our office at +1 (866) 467-8289.
{{currentOrigin}}/answers/visitors-health-insurance/covid-testing-in-patriot-america-plus-73073/

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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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?

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You are not eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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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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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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Most schools require international students to purchase health insurance.

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