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Ask Our Specialists

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

Q:Am I covered if I my insurance starts the same March 27?

A:
Based on the email address you provided, we are unable to find you in our system. Please call our office at +1 (866) INSUBUY so that we can verify you as our customer and provide you an appropriate answer.
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Q:I have an IMG insurance effective on March 27, 2020, i am eligible for medical care in case of COVID?

A:
People who traveled and purchased prior to 03/27/2020, and whose resident country didn't issue a warning about their destination country prior to their travel and purchase, will continue to be covered for COVID-19. People who have traveled and not purchased as of 03/27/2020 would not be covered for COVID-19 after the CDC level 3 warning. They must have traveled and become an insured person prior to the warning being issued. You can read more information about Coronavirus travel insurance.
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Q:I have a trip planned in June. I will be going to Spain for two weeks. At this time, I am not sure whether I would be able to go on my vacation or not. However, in case I am able to, I would like to whether you have any travel medical insurance plans that provide coronavirus coverage while I am on my trip?

A:
We have several insurance plans that would provide COVID-19 coverage as long as it is a new medical condition that occurs after the effective date of the policy. You can purchase any of them.
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Q:I am scheduled on a trip to a country in Europe in June 2020 and had purchased travel insurance. If the airline is not able to fly to that country, or proposes to change travel dates, can I get a refund for my trip if I am not interested in the proposed new dates?

A:
It is difficult to answer this question as we are unsure of the plan that you have purchased. If you have purchase a plan from Insubuy, it may be better to contact our office so that we answer your question specific to your plan purcchased. You can reach our office at (866)INSUBUY (467-8289).
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Q:My parents are visiting United States currently and they planned to stay for 3 months. My mother has pre-existing condition and she needs the daily medication and she brought enough supply with her for 3 months. However, due to COVID-19 situation, they are stuck in the US and are unable to go back to India. She is running out of her medicines. I already have purchased the visitors insurance for them when came here. Can I get the additional medication for her? Would the visitors insurance cover it? If not, can I buy another visitors insurance that would cover them?

A:
Unfortunately, routine maintenance of pre-existing conditions is not covered in any of the visitors insurance plans. They are meant to generally cover any new medical conditions, injuries or accidents that may occur after the effective date of the policy. Some of the plans cover acute onset of pre-existing conditions which is an unexpected emergency occurring all of sudden without any prior warnings or symptoms and you need to take the treatment within the next 24 hours. You would have to take an appointment with a physician in the US and he/she would need to prescribe the medicine that your mother needs. You would need to pay both for the physician visit and the prescription medicine out of your pocket. Visitors insurance plans were not designed to cover them. Some of the visitors insurance plans come with the prescription discount card. You could use that to get some discount and that is the most it can help with. We completely understand that it is totally unexpected global crisis and your parents are stuck in the US against their will because there are no flights to go back. However, visitors insurance would not provide additional coverage that it does not have to begin with.
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Q:I am an Au pair here in the USA, and I am looking for a insurance for my travel month that will be from 06/25/20 to 07/23/20. I will be travelling to hawaii for two weeks between this dates. Which plans of insurance would you have?

A:
Please use the link listed below to find the available plan for coverage: Au Pair Insurance Alternatively, you can call our office for assistance at +1 (866) INSUBUY.
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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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