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Ask Our Specialists

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

Q:I need to buy health insurance for my 21 yr old daughter who is visiting the states. We are Canadian. What do you recommend?

A:
We would recommend one of our visitor plans currently that do not exclude coverage for Covid-19. With these recommended plans below, if someone contracts the virus after the effective date, it would be covered as any other new illness. /atlasamerica-insurance/ *The Atlas America plan does have geopraphic retrictions, so if your daughter is physically located in Canada, New York, Maryland, or Washington, she will not be able to purchase this plan. /safe-travels-usa-comprehensive-insurance/ /safe-travels-usa-cost-saver-insurance/ This difference between the 2 Safe Travels plans is that the first one, Safe Travels USA Comprehensive has Acute onset benefits. Please see the link below for information about Acute onset benefits: /visitor-insurance-acute-onset-of-pre-existing-conditions/ Because of your daughter's age, if you are not concerned about pre-existing conditions, then you could go with the second Safe Travels Cost Saver option. If you have any questions, please let us know.
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Q:Please explain the process to get Covid test

A:
Please be advised that all plans, including your plan, will not cover elective testing, meaning you can not go get tested to see if you have Covid-19 and cannot request a test from a doctor. If you become ill and a doctor based on your symptoms orders a Covid-19 test, it could be covered unless it is determined to be positive and determined by the attending physician, that you contracted the virus before the effective date of the policy. If anything is contracted before the effective date of a policy, it would be deemed pre-existing and not covered. If you have any additional questions, please let us know.
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Q:We (husband and wife) are Indian citizens, holding Green Card. We arrived from India in the USA in December 2019 and had planned to return in July 2020. Our visitors' insurance policy taken in India is currently valid upto 4 August 2020. Due to the current COVID-19 situation, our flight is cancelled and we are not sure how long we will be in the USA. How can we have medical insurance cover after August 4?

A:
Thank you for contacting Insubuy for your insurance needs. We would recommend the Diplomat America plan for yourself and your spouse as it will cover any new illness or injury that manifests in the body after the effective date, including COVID-19. Keep in mind the plans will not cover any pre-existing condition, preventative or routine care. Should you have additional questions you can call our office at (866) 467-8289.
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Q:My parents have come to USA in February. We have got them insurance but seems it doesn't cover the vision. We would like to purchase vision now. Can we get it now because they have been here for past 4 months

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, there is no vision or dental coverage available on the market for visitors to the USA. However, we do offer the Careington Vision and Dental Discount Plan which will allow for discounted rates on the provider's normal fees. For more information you may follow the link and you may purchase it by calling our office at (866) 467-8289. Should you have addtiional questions please let us know.
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Q:Hi I'm Australian in Australia, can I get travel insurance for Thailand please Regards Fred

A:
Thank you for contacting Insubuy for your insurance needs. You may quote and view the insurance plans that offer the COVID-19 coverage here. Keep in mind the plans will cover the new illnesses and injuries that manifest in the body after the effective date of the policy. They will not cover he pre-existing conditions, preventative or routine care. Should you have additional questions or need further assistance, you may contact our ofice at (866) 467-8289.
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Q:we are looking at a trip to the Virgin Islands in December and want to secure travel insurance that would cover is travel is restricted due to CV, is that available?

A:
Thank you for contacting Insubuy. You may purchase trip insurance that includes coverage for cancel for any reason such as the Travel LX plan. Under the cancel for any reason benefit, you may cancel your trip due to any reason not covered in the base policy. In order to be eligible for the cancel for any reason benefit you must purchase the plan within 20 days if your initial trip deposit date.
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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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