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Ask Our Specialists

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

Q:Hi, I am trying to find a policy that covers all of my university's requirements. I asked and an insurance specialist said that plans are based in the US. Would you have any plan for Boston University that checks the following requirements? A United States-based company No lifetime dollar limit on coverage. Preventive care coverage without coinsurance. Primary care coverage. Emergency room coverage. Coverage for surgery (in hospital and outpatient). Coverage for hospital stays. Coverage for outpatient medical visits (e.g., specialist visit). Coverage for outpatient behavioral health visits (e.g., counseling or psychiatry visits), including those for substance abuse. Coverage for behavioral health hospitalization. Coverage for prescription drugs.

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, there will not be a plan that we can offer to you to meet these requirements. In order to be compliant you will need to purchase from your university. If you need any additional assistance please contact our office.
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Q:do you have any plans from a company underwritten in the US?

A:
All of the plans we offer are based in the United States. Let us know if you have additional questions.
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Q:I am in the military. I am planning on reserving a house in Florida over Christmas. If Something Happens and my commander does not approve my leave due to Covid 19 (currently I can travel, but from April-June), there was a DOD travel ban) would I receive the 100% full refund of my trip (cost to rent the house)

A:
If you get sick with COVID-19 or any other sickness and if you physician orders you not to travel, you can be covered for trip cancellation in travel insurance. However, if you want cancellations due to work reasons, you need to look for a specific plan such as Travel Select
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Q:We are looking for insurance for a 3 month apt rental in Fla. this winter. We want to be covered for the cost of the rental should we be unable to travel or if the trip is interrupted due to illness including Covid as well as if there is a travel ban and we cannot travel to Fla. from NJ. Can you suggest a plan for this?

A:
In travel insurance plans, if you are sick with COVID or any other sickness and physician advises you not to travel, you can be covered for trip cancellation or interruption. However, if you can't go due to travel ban, that is not covered. You can look at various travel insurance plans.
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Q:I paid for a policy which starts from next week. I want to cancel this one and take another policy which starts from tomorrow. Would I get a refund for the cancelled policy as it has not started yet?

A:
You may view the cancellation and refund guidelines for the plan you have submitted a cancellation request for here: /cancellation/student-secure-insurance/ Please let us know if you have additional questions.
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Q:what happens if the country i am departing from or entering put a travel ban in place? Does travel insurance cover that?

A:
The only way a plan would offer coverage in such case would be under a Cancel for Any Reason benefit. These types of benefits are only available for US residents traveling round trip and must be purchased within a certain number of days from the initial trip deposit, depending on the plan. You may quote trip insurance here and read more about the benefits available at the below listed article on our website. Coronavirus Disease COVID-19 and Travel Insurance FAQ
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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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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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