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Ask Our Specialists

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

Q:I would like to buy travel dental insurance please.

A:
Dental insurance is not available with visitor plans. We do offer a discount plan called Careington. If you have any questions, please let us know.
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Q:I have already filed my reimbursement for several weeks. Yet, I did not receive any notification either a confirmation letter or an approved/ decline email. Can someone contact me and explain this situation to me?

A:
Thank you for contacting Insubuy. Claims are processed in the order they are received. Our recommendation would to be to reach out to claims department directly as Insubuy does not deal with the processing of day to day claims. Should you have additional questions please let us know. Alternatively, you may speak with any of our licensed representatives by calling (866) 467-8289
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Q:Hello - my father is in the USA and he has an insurance through Insubuy. He seems to be having some problem with urine passing and hence would like to get a urine culture test done. I wanted to understand how I can get the test done. Would appreciate any help in this regard. Thanks.

A:
Thank you for contacting Insubuy. The plans are designed to cover new injuries and illnesses that manifest after the effective date of the policy. Our recommendation, based on the information provided, would to find a provider within the United Healthcare PPO Network and take him for a visit. Should you have additional questions or need further assistance, please let us know. You may also speak to any of our licensed representatives over the phone at (866) INSUBUY or (866) 467-8289.
{{currentOrigin}}/answers/visitor-insurance/in-network-providers-for-medical-illness-52701/

Q:Hello Team My parents had to extend their stay and I have extended their insurane. Thier medication was limited till next few days. So last week I had visited a doctor and had got their medication. Request to know as I got a single Wal-mart pharmacy bill how do file the claim Thanks Jeevan

A:
Insurance will not cover for medicine related to Pre-existing conditions. You can use RX Discount Card
{{currentOrigin}}/answers/visitors-insurance-usa/-prescriptionrefill-for-pre-existingconditions-22114/

Q:If I've purchase policy with $500 deductible for 2 months, am I going to pay the deductible all over again if I'll decide to extend the policy?

A:
No. Deductible is annual. Therefore, you will not have to pay the deductible again if you extend the policy up to 1 year. If you renew beyond 1 year, you will have to pay it again.
{{currentOrigin}}/answers/visitors-insurance-usa/patriot-america-plus-extension-deductible-38744/

Q:We had purchased a plan for my parents on 12/27/2019. The plan got expired on 04/30/2020. My parents couldn't go back due to coronavirus restrictions so we reactivated the same plan. Since we purchased it 2 days after the expiry we wanted to check if my parents will be covered for COVID?

A:
The specific insurance plan you purchased does not cover Coronavirus. There are other plans available that would cover Coronavirus as long as it is a new medical conditions that occurs after the effective date of the policy. Please look at /covid19-travel-insurance/
{{currentOrigin}}/answers/visitors-health-insurance/coronavirus-coverage-repurchase-expired-insurance-62996/

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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