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Ask Our Specialists

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

Q:Question is for the allowed 'Duration' period based on State policy. If my state policy is 6 months, then what does it mean? Does it mean I will get initial insurance for 6 months and then I can extend upto 364 days at a time till maximum 5 years are reached? Or does it mean the "Bridge Insurance" can be bought for maximum of 6 months total, and no other extensions are allowed?

A:
You would need to follow the guidelines set by your state. Should you have additional questions please let us know. You may also call us at (866) 467-8289.
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Q:If I do not have a claim and want to cancel the insurance before it has ended but after it started, can I get a pro rated refund?

A:
This is dependent on the plan. Most plans are refundable after the effective date as long as there are no claims on file. Typically there would be a pro-rated refund, less some cancellation fee. Because this is plans specific, we would recommend either calling our office about the specific plan you are referring to or viewing the refund rules listed below the plan. Our phone umber is (866) 467-8289.
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Q:My question concerns purchasing a health Insurance policy for a K1 Fiance. Before the Fiance gets a Visa to enter the USA, is a health insurance policy required? And, if purchased through your company, is a deposit required or payment in full before receiving the Visa?

A:
We would recommend purchasing the Patriot America Plus plan as you would be able to maintain active coverage under the plan up until they are eligible for a domestic insurance plan. You may view more information here. Should you have additional questions you may call us at (866) 467-8289.
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Q:My son is studying 12th grade in Layton, Utah and I would like to have insurance for him. there are no additional school requirements. He also plays basketball in school team and they travel from city to city when their league starts. Could you please kindly suggest me the best for him? I look forward to hearing from you.

A:
There is a plan called Study USA Platinum that you can review that will cover the new accidents and illnesses that occur after the effective date of the policy. You can add a rider that will offer coverage for interscholastic sports that will cover him while playing basketball for the school. If you have any questions please contact our office.
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Q:Are there "any reason trip cancellation" plans for non US residents ?

A:
Unfortunately, the Cancel for Any Reason Benefit is only available to US Residents.
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Q:Hi, I am holding O1 visa here in the USA, what kind of insurance I can purchase which covers Covid-19 treatment?

A:
We have many insurance plans which provides coverage for Coronavirus as any other sickness as long as you get infected after the effective date of the policy. Insurance will not pay for any pre-existing conditions or preventive care. You can purchase safe travels USA Comprehensive insurance
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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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