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Ask Our Specialists

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

Q:Hi! Me and my spouse will be travelling together but returning at different times. Is it possible to extend insurance for only the one staying back?

A:
If you and your spouse are traveling with different travel dates we would recommended that you do separate applications for coverage. There is not a monetary benefit to being on the same policy. This would allow you to have differnt dates of travel.
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Q:El seguro en cuestion, tiene cobertura de Repatriacion, Gastos funerarios-otros relacionados con ella muerte del asegurado.asegurado

A:
Gracias por contactar a INSUBUY. Para poder responder su pregunta, necesitamos saber cual plan se esta refiriendo. Nos puede llamar a 866-467-8289 y con gusto le podemos ayudar para poder recomendarle un plan con los requisitos que usted necesita.
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Q:my insurance policy has recently expired and was looking to extend this by one month. I was wondering what is the cost to extent with the same policy? Kind regards.

A:
Once the insurance has expired, it is not possible to extend. However, you can repurchase using MyAccount.
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Q:Hi, I am planning to purchase Patriot Platinum America insurance for my green card holder 76 year old mother. She has had her green card a little over 5 years but since she only spends 6 months in California each year I'm trying to avoid purchasing Medicare. Is this recommended? Thanks

A:
Thank you for contacting Insubuy. If your mother is permanently residing in the US and considers it to be her home country, the plans such as Patriot Platinum America are meant to be temporary coverage untilshe becomes eligible for domestic products such as Medicare. If she is eligible to purchase a domestic plan you would need to purchase it for her as these plans would not cover her. Keep in mind that if she is not permanently residing in the US and her home country is outside of the US, she may purchase the Patriot Platinum America plan as long as she is visiting. If she considers the US to be her home country she will need to purchase a domestic plan Should you have additional question please let us know. You may also call our office at (866) 467-8289.
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Q:I am assisting a student who is a new graduate student at Texas A&M University. He is an international student studying on a visa. This is his fifth year in the county. He is required to have health insurance. Texas A&M requires minimum coverage above what is required by federal law. Thus, the policy that we can look at online with Patriot is insufficient. I am wondering if your company has a different policy that will meet the school's requirements?

A:
Thank you for the interest in purchasing a plan through us, but we will be unable to meet these requirements as the plans we offer are not PPACA complaint. We would recommend that he proposed insured purchase through his university.
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Q:Hi, I wanted to take medical insurance to my parents who came to visit us in USA from India. Its been a month and their insurance expired. I am looking for an insurance that covers the Covid test and treatment aswell. Please let me know if you have any such plans.

A:
Please look at COVID19 Travel Medical Insurance plans. They will cover COVID-19 just like any other new sickness that occurs after the effective date of the policy. None of the plans will provide any coverage if they are already sick or infected or if you already would like to get the test done if you are concerned about potential exposure that already occurred.
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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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