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Ask Our Specialists

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

Q:Hi, I'm looking to buy health insurance for a family member who lives in Venezuela but is coming to the USAto visit. Do you guys offers health insurance plans for people with pre-existing conditions? Thanks.

A:
Unfortunately, there would not be plan available that would offer coverage for pre-existing conditions. However, there are numerous plans that will allow the coverage for the Acute Onset of Pre-Existing Conditions. You may view the available plans in the Visitors to the USA section of the website. Should you have additional questions you may also call us at +1 (866) 467-8289.
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Q:Good DayMy son is attending a Colorado university as a student athlete , intercollegiate sport - swimmingI am looking at the exchange guard insurance and student select , both seem good , prefer the exchange guard , expect it doesn't seem to cover intercollegiate sport for some reason - i dont understand why because snow skiing for instance is covered ? which is much more dangerous as that is a adventure sportCould you assist me with which package to look into , with selectable deductible and co-insurance that will include intercollegiate sport Also if you could explain to me as why in student select with sports rider the cover is only up to 5000. maybe its something i dont know or not understanding- as a example - if you are involved in a serious vehicle accident while being transported for intercollegiate sport the max coverage you would get with the sport rider is 5000 ? . Surely that why you have medical insurance , for such a emergency so you are covered for serious accidents

A:
Thank you for contacting Insubuy for your insurance needs. The plans are customizable with their set riders, however, they are not customizable beyond that. They will have the coverage stated within their certificates and not exceed set coverage. With regard to plans available that could allow for such coverage as intercollegiate swimming, it would be recommended to look into the Diplomat America plan with the optional rider for Athletic Sports and Hazardous Activity Low Option for Intercollegiate or Interscholastic Athletics. Keep in mind you would still want to maintain coverage under another plan as the Diplomat plan will not meet all the necessary requirements needed for the visa type. Should you have additional questions or need further assistance you may also call our office to speak with our representatives directly. Our phone number is +1 (866) 467-8289.
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Q:I am travelling with my wife and 3 children to visit family. My wife and children are dual citizens but resident in the UK. I am UK passport holder only and resident in the UK. Would the Patriot America Plus policy provide us with medical insurance and COVID cover? Or would I need a separate policy as a UK citizen?

A:
All of you may purchase the plan, however you will do separate applications for the differing citizenships. 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:Hi, I am based in the United Kingdom. I am travelling to Costa Rica early September and will be there for a full month. After that I am staying in the USA for 2 more weeks. I would like to get a quote for the health insurance that I need to Costa Rica. If you could let me know my options with you would be very much appreciated. Thank you so much and I look forward to hearing from you,

A:
Thank you for contacting Insubuy for your insurance needs. There are numerous plans available that will meet the requirements necessary to enter Costa Rica. The available plans can be found in the Travel Insurance for Costa Rica section of our website. There you will be able to quote and purchase. 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:Travel Medical Insurance covers any expenses for Covid19 hospitalization or special Covid19 ward during the trip

A:
There are numerous travel medical plans that will include coverage for COVID-19 as long as it were to be contracted after the effective date of the policy. You may view and quote the plans in the COVID-19 Travel Medical Insurance section of our website. 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:hello, my daughter is a dual citizen of the U.S. and U.K., lives in England. she wants to visit the U.S. for a few weeks. for the purposes of the insurance you sell, should she buy as an American citizen or English, would there be any differences? Is she eligible for both? Thank you.

A:
The United States citizenship would take precedent in the terms of purchasing visitor insurance for her. A majority of the plans exclude the coverage for United States citizens. It would be recommended to purchase the Patriot America Plus plan, as it allows for United States citizens to purchase the plan as long as their primary residence country is outside the United States. Should you have additional questions or need further assistance 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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