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Ask Our Specialists

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

Q:Is there trip or travel cancellation insurance that reimburses for travel to Maui (Hawaii requires a negative covid test 72 hours prior to arrival) when a person cannot get a test because there are test kit shortages?

A:
You would need to purchase Cancel For Any Reason (CFAR) travel insurance
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Q:I am traveling to Costa Rica. They require lodging expenses to be covered if a quarantine is necessary of up to 2000. Do any of your policies cover that expense?

A:
The Safe Travels Voyager plan will meet the requirements necessary to travel to Costa Rica. Should you have additiional questions or need further assistance please let us know and we will gladly assist. you may also call our office at (866) 467-8289.
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Q: We live in Bothell, Washington. We are interested in insurance for two: my husband and me. We are 36 and 34, no chronic diseases, no disabilities either. What options would you suggest? We have an SSN. At the moment we are waiting for an interview on the green card.

A:
Thank you for providing this information. You may purchase the International Major Medical plan. This plan will cover you until you are eligible for a domestic insurance. Please use the link provided below to view the plan details and purchase. You may also purchase over the phone by contacting our office at +1 (866) INSUBUY.
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Q:Hi,I am inquiring about the insurance for someone else. I would like to know if this covers pre-existing conditions?Please let me know.

A:
All the visitor plans on the market are designed to cover the new illnesses and injuries that manifest in the body after the effective date of the plan. They exclude coverage for pre-existing conditions, preventative and routine care. However, there are some plans that offer the acute onset of pre-existing conditions benefit that could serve as beneficial to you. Please read over the articles listed below for further information. If you have additional questions please call our office at (866) 467-8289 and any of our licensed representatives will gladly assist you. You can also purchase COVID-19 travel medical insurance
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Q:Could you tell me what is your insurance rating?

A:
The A.M. Best Rating can be found listed at the very bottom of the Plan Benefits page of the plan you are looking at. For example, ExchangeGuard Essential's A.M. Best Rating is listed as A "Excellent". You may find this at the bottom of the benefits page here. If you have additional questions please call our office at (866) 467-8289 and we will gladly assist you.
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Q:Hi there, I'm planning to Thailand from UK in January 2021. I need a negative COVID 19 test result before flying to Thailand and quarantine in Thailand for 14 days. If during quarantine I have a COVID 19, does insurance cover?

A:
Thank you for contacting Insubuy for your insurance needs. The plans available on the market are designed to cover the new injuries and illnesses that manifest in the body after the effective date and will exclude the coverage for pre-existing conditions, preventative and routine care. Should COVID-19 manifest in the body after the effective date of a plan that includes its coverage as any other eligible expense, it would be treated as any other new illness. You may view and quote the plans that include COVID-19 coverage here. Should you have additional questions 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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