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Ask Our Specialists

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

Q:Can my pre existing conditions of heart will be covered

A:
Thank you for contacting Insubuy for your insurance needs. The insurance plans are designed to cover the new illnesses and injuries that manifest in the body after the effective date of the policy. They exclude the coverage for pre-existing conditions, preventative and routine care. However, there are plans available on the market that would include coverage for the Acute Onset of Pre-Existing Conditions that could be beneficial to you. Please read over the benefits and let us know if you have additional questions. You may also call our office at +1 (866) 467-8289.
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Q:for BVI

A:
If you are looking for medical coverage for the British Virgin Islands we have numerous plans available. There are plans that offer medical and quarantine for COVID-19 that can be found in the COVID-19 Quarantine Coverage section of our website and plans that will offer medical coverage in the COVID-19 Travel Medical section of our website. Should you have questions or need further assistance regarding this you may also call our office at +1 (866) 467-8289.
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Q:Hi, I'm going to Costa Rica from the US and was confused why the Travel Select insurance was cheaper than the Safe Travels Explorer insurance when the Travel Select seemed to have greater benefits? Just making sure I"m not missing anything before I purchase, that Travel Select is good for Costa Rica. I'm mainly concerned about getting medical coverage.

A:
The insurance plans are priced to be competitive with each other. As a broker, we offer the majority of the major plans on the market and these two plans happen to be from different insurance companies. Either plan would be acceptable for the requirements necessary to enter Costa Rica. Should you have additional questions you may call our office at +1 (866) 467-8289.
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Q:Looking for medical coverage for my parents who are 75 years of age and are Permanent Residents here in the USA. They do travel back and forth to India, but mostly stay here. Are they eligible for health insurance? Please advise.

A:
You will need to verify if they can purchase a domestic insurance plan prior to us being able to offer any assistance. If they are eligible to purchase a domestic plan they would need to purchase that. For further information you may also call our office at +1 (866) 467-8289.
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Q:We are a group travel company looking for Covid 19 coverage to offer our groups. The policy must include quarantine protection. Please give me a call so we can discuss possible options.

A:
Thank you for contacting Insubuy for your insurance needs. We would be happy to assist you in acquiring the proper coverage for your group. You may either call our office at +1 (866) 467-8289 or respond to the email we sent you requesting your phone number. Should you have additional questions please let us know.
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Q:I had to go to urgent care with a back pain. the urgent care stated they will bill the insurance company. do i sill need to file a claim?

A:
Yes, you will want to file a claim after every use of the insurance to keep track of the claims on the policy. You may view and complete the claim forms for the Patriot America Plus plan here. Should you have additional questions please let us know. You may also 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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