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Ask Our Specialists

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

Q:My wife and I are traveling to the US for visit for 3 weeks and we are planning on purchasing the Patriot America Plus plan. I am an American living in Hong Kong but my wife is Filipino. I can't figure out how to set the nationality when I enter in my spouce's details.

A:
If the countries of citizenships are different you will need to purchase separate plans.
{{currentOrigin}}/answers/visitors-health-insurance/separate-plans-for-differing-citizenship-patriot-america-plus-46567/

Q:I am a non us resident and looking for cancel for any reason insurance. Do you offer such coverage?

A:
Unfortunately, the CFAR benefit is not available to non U.S residents.
{{currentOrigin}}/answers/international-travel-health-insurance/cancel-for-any-reason-eligibility-for-non-us-resident-38918/

Q:Is there anyway I could pay for the insurance through invoice, or other payment methods instead of credit card?

A:
Unfortunately, there is not an option for invoice. You will have to use a card for payment.
{{currentOrigin}}/answers/visitors-insurance/payment-methods-for-visitor-medical-insurance-plans-60680/

Q:Can you please advise whether your policies will cover us (2 aged 68 and 69) for emergency care should we catch the Coronas Virus while traveling to or during our time in the USA (April 1 to June 15)? Travelling from Australia. No pre-existing conditions.

A:
Thank you for your interest in purchasing insurance through us. There is no specific exclusion for Coronavirus. It will be covered as any other sickness. It should not be related to any pre-existing or preventive care. This is a rapidly evolving situation. Make sure to confirm the most current information before making any decisions. Please read Coronavirus FAQ for Travel medical insurance. You can get quote online in the Visitors to the USA section. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any additional questions.
{{currentOrigin}}/answers/visitors-insurance-usa/exclusions-for-covid-19-in-travel-insurance-plans-58889/

Q:How is the premium of the plan decided?

A:
The premium is a daily rate based on the age of the individual.
{{currentOrigin}}/answers/visitors-medical-insurance/premium-rates-in-travel-insurance-62905/

Q:I come to Switzerland often and have taken out insurance every time with your company. I am here now and before I left the States I took out a policy. At that time you put up a notice about not covering the nCorvid19 for Italy and South Korea. I've extended my policy until April 30th since I'm kind of stuck here. Please reassure me that I'm covered for this if something happens.

A:
The plan will cover any new accidents and new illness that happen after the effective date of the policy. This is a rapidly evolving situation. Make sure to confirm the most current information before making any decisions. You can read about COVID-19 coverage here.
{{currentOrigin}}/answers/international-travel-health-insurance/covid-coverage-outside-the-us-55224/

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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