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Ask Our Specialists

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

Q:If I am injured due to a fall or an accident will the plan cover the treatment including any hospitalisation

A:
The insurance plans available are designed to cover the new illnesses and injuries that are contracted after the effective date of the policy and will exclude the coverage for pre-existing conditions, preventative and routine care. 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:Hello, currently, I hold a J-1 visa. My university provides a PPO plan but it does not meet J-1 requirements. Can I buy a specific plan that meets the requirements? Thank you in advance.

A:
You may purchase a plan from the J1/J2 Visa Exchange Visitor Insurance 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:If I purchase insurance for my trip to the USA starting in February but have to cancel my trip is my payment refunded if I don't go

A:
This is dependent on the plan. You may view the cancellation rules of any plan listed in one the bullet point beneath it. Should you have additional questions you may also call our office at +1 (866) 467-8289.
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Q:Hello, I am a veterinary medicine student from Poland, currently in the last year of my studies. In February next year, I am traveling to the USA. For half a year I will be doing externships around Midwest in 5 different institutions, including zoos, animal clinics, and a wildlife center. I'm looking for medical as well as professional liability insurance. Do you have an offer that would suit my needs?

A:
We would be happy to assist you regarding this but will need additional information to recommend a plan. We have numerous products for varying visa status. Depending on your legal status, you may purchase insurance from the J1 Visa Insurance, F1 Student Insurance or Visitors to the USA sections on our website. However, we will be unable to provide you with professional liability coverage. Should you have additiional questions please call our office at +1 (866) 467-8289.
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Q:Looking for travel medical insurance which covers COVID-19 and acute onset of pre-existing conditions for 2 travelers going to the USA between November 26th to December 25th. The first traveler is a 75-year-old female with a US residence visa, and the second is a 36-year-old female who will be traveling on a Tourist Visa. Thanks!

A:
As long as their primary residence country is outside the United States and they are not green card holders they may purchase the Safe Travels USA Comprehensive plan. If the 75 year old is a green card holder there would not be a plan available for them that would offer the acute onset coverage. Keep in mind that the plans are designed to cover the new illnesses and injuries that are contracted after the effective date of the policy. They will exclude the coverage for pre-existing conditions, preventative and routine care. For additional information on the Safe Travels USA Comprehensive plan read over the certificate wording of the policy as well as its acute onset rules. You may also call our office at +1 (866) 467-8289.
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Q:Hi, I'm looking for something that covers the specific details below; Specifically, I need a travel health insurance plan that:- Works if I primarily live in Spain- Does not exclude flying in small/private aircraft in the coverage (some companies consider this to be an "extreme sport" or "adventure sport"), and it does not exclude acting as a pilot- Includes coverage when traveling in the United States (at least 1 million)- Does not exclude US citizens who are traveling to the United States

A:
We have a few plans that could allow medical coverage for a US Citizen visiting the United States such as Patriot America Plus or Diplomat America. With regard to coverage for flying a plane, there would not be such plan available. Keep in mind the plans are designed to cover new illnesses and injuries that are contracted after the effective date of the policy. They will exclude the coverage for pre-existing conditions, preventative and routine care. Should you have additional questions, please call our office at +1 (866) 467-8289.
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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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