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Ask Our Specialists

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

Q:colonoscopy covered in this insurance

A:
The plans do not provide coverage for preventative care procedures. You can contact the claims department for further clarification. Their contact number can be found through My Account on the Insubuy website, or on the back of your ID card. Please let us know if you have additional questions.
{{currentOrigin}}/answers/vacation-insurance/colonoscopy-covered-insurance-85017/

Q:CPT 45378 ICD Ken codes Z12.11, Z83.71covered in my policy

A:
We do not process claims and therefore cannot identify CPT codes or advise of coverage based on codes. You would need to contact the claims department for you policy. You can locate the claims department contact information on the claim forms located in your My Account on the Insubuy website. You would login using your policy certificate number and the date of birth of the primary insured. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/vacation-insurance/covered-policy-90947/

Q:I have a client 26 years old travelling from Kiev, Ukraine to Punta Cana, Dominican republic.I am trying to find out the cost of trip cancellation insurance for her. Her ticket is 1220.I am not getting the price online.

A:
We no longer offer trip insurance plans for non- U.S. residents. If you have additional questions, please let us know.
{{currentOrigin}}/answers/vacation-insurance/travelling-kiev-ukraine-punta-cana-dominican-republici-trip-cancellation-insurance-36397/

Q:My son has a nut allergy and walks around with an EPI pen in case he comes in contact with a nut. Is there a travel insurance that will cover him if by any chance he ends up going to the hospital for evaluation.

A:
The plans cover for new illnesses and new injuries that occur or manifest after the effective date. They do not cover for preventative care, routine maintenance, or pre-existing conditions. Some plans include an acute onset benefit for pre-existing conditions, however, that benefit is for unexpected things that happen in reagrds to a pre-existing condition. It's a known expected issue that if your son comes into contact with nuts, he will have an allergic reaction. Therefore, there is not any coverage that would cover for the scenario described. If you have any addtional questions, please let us know.
{{currentOrigin}}/answers/visitors-health-insurance/nut-allergy-epi-pen-travel-insurance-hospital-evaluation-37197/

Q:Im planning to purchase a health insurance for my travel on sept 2 for around 60 days. Just in case there will be changes on my flight dates due to cancellation o rescheduling of flights, can i also have my dates adjusted to another due to those unforseen circumstamces?please advise so i can decide if i purchase my insurance now amd have not ro worry any.ore about the coverage dates being adjusted.thanks.

A:
Most plans will allow for coverage date changes before the policy's effective date. Once the policy is active the start date cannot be changed. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/visitors-insurance-usa/health-insurance-travel-cancellation-94438/

Q:Re: trip cost-- I know the cost of our tour, but not the airfare, including whether a given flight we might select can be canceled. Should I estimate the airfare cost up front or add it later when I know the exact amount?

A:
When you purchase a trip insurance, you would enter in your current total non-refundable trip costs. As things are added, you would also add those costs to your plan as you go. If you have any addtional questions, please let us know.
{{currentOrigin}}/answers/vacation-insurance/trip-cost-tour-airfare-flight-canceled-estimate-airfare-28247/

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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