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Ask Our Specialists

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

Q:Does the insurance cover Covid-19 Test?

A:
Thank you for contacting Insubuy for your insurance needs. There are numerous plans, such as the Atlas America plan which allow the coverage for COVID-19 as long as it were to manifest in the body after the effective date of the plan. Keep in mind that it will only allow the coverage for COVID testing if it were deemed medically necessary. For example, COVID-19 testing for travel purposed would be excluded from all plans on the market as it would be considered elective testing. The insurance company will review the attending physician notes and lab results from the time of service to determine if the test warrants coverage according to the certificate wording of the insurance plan. Should you have additional questions or need further assistance you may also call our office at +1 (866) 467-8289.
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Q:I am 76, I have pre existing. Does my prescriptions be covered?

A:
The plans do not cover routine maintenance of pre-existing conditions. Therefore, your prescriptions would be out of pocket expenses. If you have additional questions, please let us know.
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Q:Claim status

A:
To view claim status you would contact the number in your ID card. Insubuy does not receive any of the claims information or are involved with the claims process, However You are still our customer so you can contact us if you are experiencing issues with your claim and we can assist you in any way we can.
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Q:is pregnancy's women covered ?

A:
We have plans that can cover for complications of pregnancy for visitors You can view the coverage that we have here.
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Q:I have a disease for decades. In recent years it is usually under control with minimum dosing but in the event such as extremely sever flu or overfatigue, my disease gets worse and requires extra treatment. In case I get an insurance with coverage of acute onset of pre-existing conditions which excludes chronic conditions, or a complication or consequence of a chronic condition, does that cover such extra treatments stated above?I am wondering as my disease itself is chronic but the event I want coverage for is incidental and unexpected.

A:
The acute onset benefit is determined at the time of service based on the attending physician notes and lab results as per the certificate wording of the policy. Unfortunately, there is no definitive answer of yes or no to hypothetical questions such as this. We would recommend familiarizing yourself with the acute onset benefit definition in the certificate wording of the policy you are viewing as well as reading general information found in the Acute Onset FAQs page. Should you have additional questions you may also call our office at +1 (866) 467-8289.
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Q:I am going with my friend to esta nul for 5 days but after we may stay in Europe till September 7 but we dont know exactly if we will come back before that. And in order to get in Estambul we need. Proof of covid insurance What do you suggest for general insurance and covid coverage and how does it work when we know know exactly when we will come back

A:
We have numerous plan available that can be found in the COVID-19 Travel Medical Insurance section of our website that will treat COVID-19 as any other new illness should it be contracted after the effective date. Should you have additional questions 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.

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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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