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Ask Our Specialists

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

Q:My husband is coming to Ukraine as a british citizen from the UK..Could you ,please, advise the insurance companyfor buying covid medical insurance for staying in Ukraine from August 25 to September 7.Thank you.

A:
Thank you for contacting Insubuy for your insurance needs. As a broker we offer numerous plans from different insurance companies. For plans that will allow for the COVID-19 coverage you will want to view and quote the options in the COVID-19 Travel Medical section of our website. Should you need additional assistance you may also call our office at +1 (866) 467-8289.
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Q:Hello,I am looking at purchasing Atlas Premiuminsurance. Does it cover medical expenses and hospitalization for Covid?

A:
Yes, Coronavirus sickness will be covered just like any other new sickness that occurs while on the trip.
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Q:Is there a deductible for the Safe Travels Voyager insurance? Also, do all benefits continue to apply with this plan if you test positive for covid before you leave and have to stay in the country to quarantine? Lastly,I have not booked my trip yet but will be soon-how long do I have to book this plan after paying for the trip?

A:
There is not a deductible on the Safe Travels Voyager plan for any eligible medical benefits. All the benefits will be applicable for the duration in which the plan is valid (upon testing positive in returning from your trip your policy will be extended for the duration you are required to quarantine) before your trip departure, there would be no payable benefit other than the eligible trip cancellation reasons covered under the plan, as your trip has yet to begin. As the plan offers coverage for trip cancellation you would want to purchase as close to the date of purchase of your trip so that your benefits will cover you immediately in the event of a trip cancellation.
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Q:I'm coming to washington on a J1 visa. None of the health insurance plans seem to cover organised college sports. I'm hoping to take part, but can only find cover upto 5000, is this sufficient?

A:
Most plans will have limits on the coverage for organized sports. If you are looking for plans that will cover higher amounts for colligate sports you can take a look at the Collegiate Care series plan that will offer such coverage up to the listed policy amounts.
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Q:We have been trying to get to the BVI for a charter since May of 2020. Our original deposit was in January of 2020. Then Covid hit. We've rescheduled 3 times now and the charter company has been gracious in carrying the money forward. The latest reschedule was July 28 for Nov 27. Can we still get the cancel-for-any-reason-travel-insurance?

A:
The Cancel For Any Reason benefit is available to those that purchase coverage within no more than 20 or 21 days of the initial trip deposit depending upon the plan. There are companies that will allow your latest trip deposit as a trip deposit date for eligibility. Please call our office at (866) INSUBUY for assistance from a licensed agent in selecting a plan.
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Q:Is there a plan which covers RT PCR Covid test

A:
Plans that include coverage for COVID-19 will do so as long as it manifests after the effective date. Then it will cover any medically necessary treatment up to the plan's benefit levels. No plan will not cover elective testing or testing for travel purposes.
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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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New immigrant to USA?

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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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.

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