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Ask Our Specialists

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

Q:1.Monthly fee for SHORT TERM MEDICAL WITH NATIONAL GENERAL WA STATE.(3 month short term coverage.) 2. PreEXISTING conditions DEFINITION. I have medical procedures which I want to have worked on by medical Doctors

A:
The Short term plan National General that we offer, is not available in the state of Washington. Please let us know if you have additional questions.
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Q:Hello,We are travelling to Costa Rica for an extended period of time. Does your insurance link to the Costa Rican Health Pass?From what I read it seems to, but the insurance worked out to be so much cheaper than some competitors...seemed to good to be true haha

A:
You may find eligible plans in the Costa Rica Travel Medical Insurance section of our website. Keep in mind the plans will not be available if Costa Rica is your primary residence country. The plans listed there will meet the necessary requirements needed to travel to Costa Rica and after purchase you will be able to upload the insured documents into the health pass. 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/international-travel-medical-insurance/costa-rica-travel-medical-insurance-for-extended-period-of-time-93387/

Q:I have insurance to cover my current visit to the USA. I plan to fly home to the UK on 19 September; insurance expires 12:01 on 20 September. If i were to test positive for COVID 19 at my pre-departure test (probably on 17 or 18 September, and was therefore unable to board a flight, and had to remain in the USA for a further 10-14 days, would my existing cover suffice, or should I extend to cover that eventuality?

A:
You can still extend your policy even if you are sick so it can continue to cover you during the extra days you have to stay.
{{currentOrigin}}/answers/visitors-medical-insurance/extending-with-covid-83502/

Q:I took a plan that covers prescription drugs then why I don't Rx Bin number in the insurance card? I had paid out of my pocket for the prescribed drugs by the doctor.

A:
There is no network for the pharmacy. That's why you don't see any RX Bin number. You have to pay then file claim form which you can find at MyAccount. You will get reimburse for the eligible medicine expense.
{{currentOrigin}}/answers/visitors-medical-insurance/i-took-a-plan-that-covers-prescription-drugs-then-why-i-dont-rx-bin-number-in-the-insurance-card-56302/

Q:I am looking to get travel insurance that covers COVID for my trip to Israel coming up September 27th - October 13th. Can you offer any guidance as to weather Travel insurance or travel medical insurance covers this?

A:
Yes. Please visit our Israel Travel Insurance webpage.
{{currentOrigin}}/answers/international-travel-medical-insurance/covers-covid-for-my-trip-to-israel-any-travel-insurance-or-travel-medical-insurance-covers-this-36506/

Q:My brother age 77 and I age 72 Make a yearly trip to Myrtle Beach for a week in October to play golf with a group of Army friends (about 50). We send in an initial deposit of 100 each to the group leader. Last year our trip was cancelled due to Covid. We ok'ed the group leader to keep the deposit and use it for this year Oct 21. He arranged things and gave the deposit to the new site early this year. The remaining payment (1800 or 900 each) was paid today (Aug 30, 2021) with and is non refundable by Sept 10th. I estimate our total non refundable costs to be at least 3800 - 2000 golf and condo, 1200 airline, 100 arrival hotel, 500 rental car.I don't understand the "initial" payment in our case and I need a recommendation for our coverage.

A:
In General, It is the very first time you pay anything for your trip. The initial trip deposit is when you paid the initial deposit of $100. We required additional information. We have sent you an e-mail. Please respond to that e-mail for us to give you accurate information.
{{currentOrigin}}/answers/holiday-insurance/dont-understand-the-initial-payment-in-our-case-and-i-need-a-recommendation-for-our-coverage-94934/

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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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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