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Ask Our Specialists

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

Q:I have arrived in New York State from Germany and want to get my mandated COVID test to clear me from quarantine. What do i need to go before doing that to comply with insurance procedures? I have Patriot America Plus insurance.

A:
Thank you for contacting Insubuy. Please be advised the plans do not offer the coverage for elective COVID-19 testing. For the plans that offer the coverage for COVID-19, it will allow coverage in the case it were to manifest in the body after the effective dates. Should you have additional questions, you may call our office at +1 (866) 467-8289.
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Q:Do you have a Costa Rica Compliant Covid entry insurance that you can sell to Canadians

A:
Although we have numerous plans that include medical coverage for COVID-19 that can be found on our website, unfortunately there is not a plan available that would offer the lodging coverage for a non-US resident. Should you have additional 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:We would like to know if the comprehensive plan from Atlas America covers preventative vaccines such as flu-shot and upcoming covid vaccines.

A:
There is not a plan on the market that will cover the cost of vaccines or immunizations. This would be an out of pocket expense.
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Q:Hi.I have a Patriot America insurance plan. I'd like to figure out whether my plan included Covid-19 testing and medical treatments. I've searched on the website for information but not quite clear about that. It would be great if you can help me verify that information.Thank you

A:
Both the Patriot America Plus and the Safe Travels for Visitors to the USA plans will include the coverage for COVID-19. With regard to testing, the plan will only allow coverage if it is deemed medically necessary. The plans do not allow for elective testing. This means that it would have to be under a physician recommendation due to signs or symptoms. You may also find more information in the article below. Should you have additional questions or need further assistance you may call our office at +1 (866) 467-8289.
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Q:I need a plan with 0 co-pay as part of Spanish residency requirements (I don't have it yet, but that kind of insurance is something I will need).

A:
Thank you for reaching out for your insurance needs. You may purchase the plans located in the Schengen Visa section of our website. Once you fill out the quote information you will be able to view all the available plans. Schengen Visa Insurance Should you have additional questions or need further assistance please let us know.
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Q:My sister who is an American citizen but who has lived in Rome for 30 years (with legal residence--she was married to an Italian) plans on visiting in May and staying one month. This is her first visit during Covid. I have a few questions: 1) will she be able to get tested at O'Hare once she lands; 2) she does not have American insurance and therefore, can she pay for the test with a credit card--how much is it; and 3) what would be the best short term coverage for her while she stays for one month. In the past, she would visit without insurance coverage but now, with Covid, in the event that she contracted the virus, we want her to be fully covered.

A:
Thank you for contacting Insubuy for your insurance needs. Your sister may purchase the Patriot America Plus plan for her visit in the United States. The plan is designed, like all visitor insurance plans, to cover the new illnesses and injuries that manifest in the body after the effective date of the policy. Although COVID-19 would be treated the same as any other eligible expense in this plan should it manifest during the coverage period, with regards to testing, the plan will allow coverage only if it is of medical necessity. This would mean it would have to be due to signs or symptoms and under a physician recommendation. Elective testing for travel purposes would be excluded from the coverage. All visitor plans on the market exclude pre-existing conditions, preventative and routine care. You may also read more about the coverage available from the links below. Should you have additional questions please let us know and we will gladly assist. We are available every day of the week from 8 AM to 9 PM Central Standard Time 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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