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Ask Our Specialists

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

Q:In the adventure sport policy is recreational downhill skiing included in the coverage?

A:
Thank you for contacting Insubuy. We would be happy to assist you in acquiring the correct coverage for downhill skiing. You may call our office at +1 (866) 467-8289 or refer to the certificate wording of the policy you are inquiring about to verify the coverage for such sport. Should you have additional questions please let us know.
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Q:Does your ExchangeGuard Essential plan cover COVID testing? Any restrictions between PCR or antigen testing? Is there a cap on the number of tests covered? Your website only mentions covering COVID care.

A:
Thank you for contacting Insubuy for your insurance needs. The plans that include the coverage for COVID-19, such as the ExchangeGuard Essential Plan, will allow the coverage as long as the illness were to be contracted after to the effective date of the policy. With regards to testing, it will only allow the coverage if it is deemed medically necessary. The plans that include COVID-19 coverage will not allow elective testing. Should you have additional questions please let us know. you may also call our office at +1 (866) 467-8289.
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Q:lost my 1095 form how can i get another one

A:
Thank you for contacting Insubuy for your insurance needs. These plans do not offer the 1095 Tax Form as they are not ACA complaint. If you are needing information on how to proceed with your taxes we would recommend consulting a tax professional.
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Q:What is the average cost to buy expat ACA compliant health care in Italy? My plan is to spend roughly 6-9 months per year in Italy starting at age 57. The amount of time I spend in Italy each year is flexible if changing it makes the insurance cost substantially different.

A:
You may view and quote plans from our Expatriate Health Insurance section of the website. Keep in mind these are annual plans. Should you have questions or need further assistance please let us know. You may also call our office at +1 (866) 467-8289.
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Q:I am a travel agent and have a client who is looking to travel around the end of March to Cancun, Mexico for 5-7 nights but he has a pre-existing medical condition (cancer) and we want to insure that if something should happen on the trip, they will have coverage to return to the U.S. for medical treatment, if necessary. Can you advise if you have a plan that covers pre-existing medical conditions please? Thank you

A:
Thank you for contacting Insubuy for your insurance needs. The Voyager Choice plan will allow for coverage for pre-existing conditions as long as the insured has a primary plan in place within the United States. You may also refer to the certificate wording of the plan for any limitations to the benefit if you have concerns. Should you have additional questions you may also call our office at +1 (866) 467-8289.
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Q:I am travelling to UAE from UK, I am a UK citizen, I will initially have a 60 day tourist visa, but if I find work, I am hoping to stay for longer. Is this insurance what I need to cover any medical expenses, including covid-19?

A:
Thank you for contacting Insubuy for your insurance needs. The plans are designed to cover you outside of your primary residence country. While you are visiting the UAE, you may purchase a plan from the COVID-19 Travel Medical Insurance section of our website. Should you have additional questions or need further assistance please let us know.
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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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