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Ask Our Specialists

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

Q:If a tourist to the US overstays his legally permitted period of time in the US and is out of status, is it possible to still buy visitor's insurance?

A:
The plans available for visitors to the USA require a legals status while presently located in the US. However, there is one plan called National General available that does not require a legal status as an eligibility requirements. You find more information regarding the National General plan here.
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Q:Dear Sir, My name is Ma'in Alghzawi, I am from Jordan PhD student studying at The University of Arizona. I have my own Medical Insurance but I need to get Medical Insurance for my wife. My wife is pregnant and she needs a coverage, would you please provide me with information about the Medical Insurance packages offered for Spouse, specifically for pregnant woman? Thanks for your time and consideration. Best Regards, Ma'in

A:
Hello Ma'in, Unfortunately, there is no plan available that will allow coverage related to maternity care for a dependent of a scholar that is already pregnant. We do however have numerous plans available for those traveling on the J visa. You may find them here. Should you have additional questions or need further assistance please let us know. You may also reach us at (866) 467-8289.
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Q:If we are planning a beach vacation in August and the government closes the beaches, will travel insurance over that?

A:
Thank you for contacting Insubuy for your insurance needs. It sound like you are interested in trip insurance with a cancel for any reason benefit. Keep in mind that this type of insurance would have to be purchased within a certain number of days from the initial trip deposit. You can read more about COVID-19 related travel insurance here. You may also reach us at (866) 467-8289.
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Q:Hello, I have my parents flying to the U.S. from India in the next few days. I have some questions about the insurance. 1. Is there any insurance that you can recommend which covers both pre-existing condition as well as COVID-19? If none available that covers both pre-existing and COVID-19, can I take two separate insurances, one that covers pre-existing and the other that covers COVID-19 so that both can be claimed respectively? Please recommend the choices. 2. If I take the insurance before their departure and if in case they got infected by COVID-19 during the flight, will it be covered? Thanks Manny

A:
Hello Manny, Thank you for contacting us for your insurance needs. Please see the below for the answers to your questions. 1. All plans on the market will offer coverage for the new illnesses and injuries that manifest in the body after the effective date of the policy, but there is no plan for visitors that will offer coverage for pre-existing conditions, preventative or routine care. There are some plans that offer coverage for the Acute Onset of a Pre-Existing condition that may serve as beneficial to you. You can find more information regarding the benefit here. As far as coverage for COVID-19, there are very few plans for visitors on the market that offer such coverage. One that would be recommended that also includes the Acute Onset benefit would be the Safe Travel USA Comprehensive plan. You may also read more about visitor insurance with COVID-19 coverage here. 2. As stated above, the plans will allow for coverage for the new things that manifest in the body after the effective date of the policy. Due to the known incubation period of COVID-19, if they were to find out they had COVID during the flight to the United States it would be more than likely that they contracted it before the start date of the policy. In any case, it is determined by the medical professional, based on the attending physician notes and lab results as per the certificate wording of the policy. Should you have additional questions or need further assistance please contact us at (866) INSUBUY / (866) 467-8289
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Q:I have paid the first installment for a condo in Pensacola. Can I purchase insurance to cover the cost of my rental if we don't go because of covid 19? Also, what if the governor closes the borders of Florida again and we can't go. Would the insurance pay or would the owner refund my money?

A:
Thank you for contacting Insubuy for your insurance needs. Although we would be unable to advise of the refund procedure for your booking in the case the border were closed, it sounds as though Cancel for Any Reason insurance would be the most beneficial to your current situation. We have a few plans with such benefit in out Trip Insurance section, but they must be purchased within a certain number of days from the initial deposit date to be eligible. For more information regarding COVID-19 travel insurance please read here.
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Q:Am I covered for COVID

A:
For more information in regards to your specific plan I would recommend that you call our office for additoinal assistance.
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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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