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Ask Our Specialists

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

Q:I am looking for a policy for my wife and I. We are traveling to Germany Feb 2nd and returning March 21st. We want a policy that would reimburse us if we got sick or if our destination travel was stopped due to Covid. What policy would you recommend? Our tickets are around 2500. We would need coverage for the ticket cost only.

A:
You will want to quote plans in the Trip Insurance section of our website. There you may enter the applicable information to receive quotes. Please review the plans benefits and certificate wording to determine if it is the appropriate coverage for you. You may also call our office at +1 (866) 467-8289. Should you have additional questions please let us know.
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Q:Does the insurance cover for the PCR COVID-19 test for traveling back to my destination?

A:
COVID-19 testing for travel purpose and elective testing would be excluded under all visitor insurance plans as it is an expected expense due to travel. You will have to pay out of pocket for the test. 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:Does my insurance work at Bangkok Pattata hospital Thailand?

A:
Direct billing is up to the provider. They will either direct bill the insurance company with the information provided on your ID card for providers, or they will have you pay them up front and file for reimbursement. Your plan covers for new illnesses and new injuries that occur or manifest, or are contracted after the effective date. As long as your treatment or service obtained is for a covered expenses, you would be reimbursed up to your plans benefit levels. Please let us know if you have any additional questions.
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Q:I am planning a trip to Aruba in February. I am hearing that people are detained there if they test positive for Covid-19. Does the insurance cover my accommodations and food costs while I am detained ?

A:
We do have plans that can provide travel delay benefits which would be used if you are required to quarantine trying to depart back to home country. Those plans can be found here: /covid19-travel-insurance-with-quarantine-coverage/ There are plans available to U.S. residents and then as you scroll down the list, you will see plans for non U.S. residents as well. Please let us know if you have any additional questions.
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Q:If you are traveling international and you test negative for covid within 72 hours of leaving, but when you arrive and they test you and you test positive what is covered?

A:
For the plans that have COVID-19 coverage, it is treated just like any other illness that is contracted after the effective date to provide the medically necessary treatment. In addition to this, the COVID-19 Travel Insurance with Quarantine Coverage can help pay for accommodations and lodging from being quarantined past your planned return home date.
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Q:I am traveling to Poland in February. I purchased the plane ticket through reward miles. What type of travel insurance would be best to purchase? I do have United Health Care insurance from my work, but am wondering what type of travel insurance coverage is best

A:
We have Travel Medical insurance plans that can cover you anywhere outside of your home country for new illnesses and new injuries that occur or manifest after the effective date. We also have plans that can provide benefits for Covid-19 if contracted after the effective date, up to the selected plan benefit levels. You can search for plans through this link for Travel Medical that also include Covid-19 coverage: /covid19-travel-medical-insurance/ We do offer trip insurance plans that can cover non-refundable trip costs for specified named reasons on a policy. However, reward miles are not something our trip insurance plans cover as there is not a monetary loss if you do not travel. 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.

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Visiting USA?

Healthcare costs are very high in the U.S.

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

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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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