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Ask Our Specialists

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

Q:Please explain what is the emergency coverage in fixed plan. When it says 500 per visit and additional 200 deductible , what does it mean?

A:
Each plan is different, but typically what that means is that if you were to go to the Emergency Room due to an illness and you were not admitted into the hospital, you would have to meet an additional $200 deductible. The $500 that is listed there is the sub-limited amount that the insurance company will pay per incident for an ER visit, but again that will vary depending on the plan. Remember, Fixed plans are very limited in benefits and if anything is to happen the majority of the cost would come out of your pocket, please see Risks of Purchasing Fixed Coverage Plans. We will always recommend to purchase a Comprehensive Plan.
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Q:Please explain coverage of visitors insurance and the difference between visitors insurance and travel insurance

A:
There are two different plans that we offer on our website. Visitors Insurance, or Travel Medical Insurance, is generally only meant to offer coverage for medical expenses due to new injuries or illnesses that happen after the effective date of the policy, and have minimal, but some, travel benefits. No visitor insurance plans are going to cover for preventative, routine, known or expected care of any kind. You can look at Visitors Insurance Types for more information on the difference between Fixed plans and Comprehensive plans. Trip Insurance, sometimes referred to as Travel Insurance, is only available to US residents, and can offer coverage for the non-refundable costs of your trip if it were to be canceled due to a covered event (i.e. medical reasons, work layoff, natural disaster). These plans can also offer coverage for unexpected medical expenses for new injuries or illnesses should they arise on your trip. You can take a look at Trip Insurance VS Travel Medical Insurance to look at a side-by-side comparison. If you have any additional questions, please let us know.
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Q:I need to see a neuro chiro because I have an otolith symptoms. Where should I go?

A:
Insubuy is a broker and cannot advise on where you should go to seek medical treatment. You can check out our article on Choosing the Right Medical Provider for more information. You can search a list of providers using your PPO Network Directory. If you have any additional questions please let us know.
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Q:I want to know if I am here on a M1 visa which is the non-immigrant visa for non-academic studies (8 months) can I opt in for a visitors insurance?

A:
Yes, you can purchase visitors insurance as an M1 visa holder. If the school or organization does not have insurance requirements that you need to meet, you can run a quote in the Visitors to U.S.A. section to see what plans are available. If the school DOES have insurance requirements, please send those to info@insubuy.com and we will review them and recommend a plan. Patriot Exchange Program is a popular plan for M1/M2 visa holders. This is a student plan that is available to M visa holders. If you have any additional questions please let us know.
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Q:Careington dental plan - can I choose to buy this after the start date of my travel insurance? I just wanted to get this basically after my parents move in.

A:
Yes, you can purchase the Careington Dental/Vision discount plan at anytime during their visit. Be advised that, for this discount plan, you must visit in-network providers, and you must have your physical ID card with you at the time of service to receive benefits. That ID card cannot be accessed online, it is only sent via mail. If you have any additional questions please let us know.
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Q:Hi, Just to be pro active I would like to get a repatriation of mortal remains insurance quote for my elderly father who is the USA ,but would like to be repatriated to Africa in case of Death. Thank you, Patrick M.

A:
Most of plans in the Visitors to U.S.A. section of the website will include repatriation of mortal remains back to the home country of the insured. However, keep in mind that repatriation benefits will only be provided if the reason for for the repatriation is due to a covered expense. If you have any additional questions, it is advised to call our office at 1(866) INSUBUY (4678289).
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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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