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Ask Our Specialists

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

Q:Is there travelers or visitors insurance that can be written on a Canadian Citizen coming to Florida up to age 95?

A:
Thank you for contacting Insubuy for your insurance needs. We have a few plans available that can be quoted in the Visitors to the USA section of our website. The policies available would only be within the range of $10,000 to $25,000. 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:Can we purchase insurance specifically for covid? We are going to Costa Rica on September 3 through September 11. We are not sure if is required by the airlines or by the host nation.

A:
If you want to meet Costa Rica's requirement you can Purchase from our Trip plans which meet their requirements.
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Q:What is trip exchange coverage?What is trip saver coverage?

A:
Thank you for contacting Insubuy for your insurance needs. We have numerous products available to meet a variety of needs. You may find plans that can include trip cancellation, delay and baggage coverage in the Trip Insurance section of our website. There you can quote the available plans and view the benefits below each quote. If you are inquiring regarding a specific plan you may contact our office at +1 (866) 467-8289 and any of our licensed representatives will be able to assist you regarding your questions.
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Q:I read the comparison between Exchange Guard Essential & Patriot Exchange Program. It's very informative and helpful. However, I still have one question. Patriot Exchange Program includes "Student Health Care", but Exchange Guard Essential does not. What's the difference? Does it means I will be treated like student insurance in university clinic if my insurance program includes "Student Health Care". On the other hand, if my program does not include "Student Health Care" but the plan are accepted by the university clinic, can I go to see doctor in that clinic and be charged as other in-network clinic?

A:
Thank you for contacting Insubuy. Both plans will include coverage for a student health center. The difference here is that the Patriot Exchange Program has a $5 copay, and will waive the deductible while the ExchangeGuard plan will treat the student health center as any other medical facility. So you will have to meet the deductible, and then the plans coinsurance will apply. If you have any additional questions, please contact us.
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Q:Will my entire trip cost be reimbursed if the required covid 19 test, no more than 72 hours prior to departure, test comes back positive and I'm prevented from traveling?

A:
Thank you for contacting Insubuy. You may purchase trip cancellation insurance to insure your non-refundable trip cost in the event someone is sick prior to your trip departure as cancellation due to an illness is covered cancellation reason in most trip cancellation plans. Please keep in mind that in order to file a claim, the insured would need to provide documentation from a medical provider.
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Q:Do your policies cover countries who are listed as amber or red with regard to covid

A:
Thank you for contacting Insubuy. Yes, the plans that include coverage for COVID-19, also include this coverage even in this situation. If you have any additional questions, please let us know.
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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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