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Ask Our Specialists

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

Q:Total trip costs $3600 pp - $2000 is air fare and $1600 is hotels (pp) The hotels are refundable if cancelled 1 week before travel. Can we get, cancel for any reason, travel insurance for just the $2000 pp air fare, even though we will be paying $3600 pp to the travel agency?

A:
You would need to insure the total trip cost as you are unable to selectively cover one expense with trip insurance. Let us know if you have additional questions or need further assistance. You may reach us at (866) 467-8289 as well.
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Q:My mother is 65 years old. She is planning to come to USA in July or August on a visitor visa. She lives in India currently. Will I be able to purchase insurance through insubuy for her? If she contract COVID after coming to USA, will insurance cover the treatment cost associated with it?

A:
The plans available on the market for visitors are meant to cover the new illnesses and injuries that manifest after the effective date of the policy. A majority of the plan have some sort of exclusion related to coverage for pandemics. The Safe Travels USA Comprehensive plan would have no such exclusion and is fine for someone traveling on a visitor visa. If COVID-19 were to manifest after the effective date of the policy it would be treated as any other eligible expense. You can read more about COVID-19 visitor insurance here.
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Q:Hey I am Michal from Europe, having J-1 visa, in two weeks coming to USA,MINESOTTA. For 10 weeks period, I am looking for insurance which will cover corona difficulties such a hospitality or when I get affected insurance will take care of everything... is that possible ?

A:
Hello Michal, Thank you for contacting Insubuy for your insurance needs. The plans available on the market will cover the new illnesses and injuries that manifest after the effective date of the plan. The ExchangeGuard and Student Secure plans have no exclusion related to COVID-19, meaning if it were to manifest after the effective date it would treated as any other eligible expense. Do you keep in mind that if you have any additional requirements other than what is standard for the J1 visa that we can also look at other options, but based of the request for a plan with COVID coverage these are the recommended plans. You may read more about the plans with COVID-19 coverage here. Should you wish to view other options and get quotes, you may do so in the J1/J2 Visa Exchange Visitor Insurance section.
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Q:If I take visitors insurance, will it cover for medical expenses incurred during travel and transit as well?

A:
Thank you for contacting Insubuy for your insurance needs. A majority of the plans will cover anywhere outside of your home country. When you are filling the quote screen information for coverage area you would want to select "USA and During Travel" or "International Including USA" and it will populate the plans that will cover you medically anywhere outside your home country. You may view plans and get quotes here.
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Q:Please let me know a travel medical coverage which cover up to a million payable and also can cover for coronavirus testing/treatment. Medical insurance should also account for pre existing conditions, new medical conditions, physician visits/preventive check-ups, prescription drugs,specialist visit, hospital admission, intensive care unit, surgery,emergency and urgent care

A:
Thank you for contacting Insubuy for your insurance needs. The plans available on the market for visitors are designed to cover the new illnesses and injuries that manifest after the effective date. There is no plan on the market which covers pre-existing conditions, preventative or routine care. One option that would be suitable will be the Safe Travels USA Comprehensive plan. Not only will it cover the new things that manifest after its effective date, but also has no exclusion related to COVID-19. Were it to manifest in the body after the effective date of the plan it would be treated as any other eligible expense. The plan also has the benefit for the acute onset of pre-existing conditions within the plan that could serve as beneficial to you. You may read more about it here.
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Q:my sn is on Parole visa can he take medical insurance for one year

A:
You would want to purchase a plan for him from the New Immigrant section of our website. The plans will cover for new illnesses or injuries that manifests after their effective date. Please let us know if you have additional questions
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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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