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Ask Our Specialists

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

Q:why is travelers insurance max at $100,000 for comprehensive coverage policies? 100,000 is not much of a coverage in the USA considering the costs. Please advise.

A:
When in the quoting screen, as well as the application, you are able to customize things such as policy maximum and deductible. Should you need assistance with this you can also call us at (866) 467-8289.
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Q:Does the Covid insurance cover travels to Mexico?

A:
You may view and quote insurance plans that offer coverage for COVID-19 here.
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Q:How long do they have to be us resident for STM?

A:
The National General STM plan is available for US, as well as non-US residents. There is no legal status requirement for the plan. You may view the information on the plan here. Should you have additional questions please let us know.
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Q:Hi, I'm here for about 6 months in the US on a tourist visa. Will this cover most doctors offices, dental care, life insurance, covid coverage, and wisdom teeth removal? Furthermore, where can I figure out a list of doctors that will be covered by this plan? thanks!

A:
There are two different types of plans on the market; fixed plans and comprehensive plans. Fixed Coverage plans will provide fixed amounts according to a "Schedule of Benefits". They will provide up to a certain dollar amount, which means a majority of the cost will come from your pocket, rather than the plan. Comprehensive plans will pay a percentage, anywhere from 75%-100%. Similar to what you see in domestic insurance plans, as far as coinsurance goes. All plans on the market are going to cover new injuries and illnesses that manifest after the effective date of the policy. There is not a single plan on the market that will cover things such as pre-existing conditions, preventative care or routine maintenance You may view and quote insurance plans here.
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Q:Does your travel cancelation policy cover cancelation due to COVID lockdown? I live in Maryland and have rented a property in West Virginia.

A:
The Cancel for Any Reason benefit would be the only way a trip could be cancelled due to COVID-19 related reasons. Please read the following article for more information. Should you have additional questions you may call us at (866) 467-8289 Coronavirus Disease COVID-19 and Travel Insurance FAQ
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Q:Can one learn the approximate cost of the bridge insurance before the immigrant arrives in US? If coverage is completely unaffordable, would be good to know before the commitment to immigrate is made. Thanks!

A:
On the last page of the paper application you may view the monthly rates based on age. Should you have additional questions you may also call us at (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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