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Ask Our Specialists

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

Q:If I plan to have a baby, which insurance is a much better option?

A:
Study USA Platinum plan will cover pregnancy as any other sickness as long as conception must occur after the effective date of the policy. Please look at the certificate wording. Please feel free to contact us if you have any additional questions.
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Q:My father is 69, he is coming in May or June this year and in June he will turn 70. Can you please confirm once i buy the Visitor Care policy when he is 69, it is applicable and covers all same even after he turns 70?

A:
Thank you for contacting Insubuy. Even if the age group changes in the middle of the policy, the insured will retain the same policy maximum, the cost, and will retain the acute onset coverage, maximum up to 1 year from original effective date. Should you have additional questions, please let us know.
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Q:I am considering to buy an insurance for a relative visiting me in US. For the insurance "Atlas America", please help me to understand whether the below situation be covered. For example, he may be admitted to hospital due to corona virus-19, and then several days later, some pre-exisiting condition such as heart disease recurs. Will this kind of recurrence of pre-existing condition be covered? Will the treatment for corona virus-19 be covered?

A:
Thank you for contacting Insubuy for your insurance needs. The Atlas America plan does not exclude coverage for COVID-19 and can be coverage as any other payable expense provided it manifest 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. If contracting COVID-19 exacerbates the pre-existing condition it would have to be determined at the time of the claim if it would be considered payable under the acute onset benefit as the plans are not designed to cover pre-existing conditions. Please read the COVID-19 FAQs If you need any additional clarification please feel free to contact our office.
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Q:Can I please get advice on getting medical cover on my visit to the USA in June. If I get sick with Corona virus will I be covered . I have had very conflicting information on this . If you say that I will could you please provide me with a policy that will do this?

A:
Please read Coronavirus Coverage in Visitors Insurance for the USA section on our website. It should clear up your doubt and direct you to the proper plan.
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Q:Do you have insurance with coronovirus coverage for parents who are travelling from India to USA? Can you point me to the insurance?

A:
There is not an exclusion directly related to COVID-19. This is a rapidly evolving situation. Make sure to confirm the most current information before making any decisions. Please let us know if you have additional questions.
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Q:I am planning to buy a Patriot international travel medical insurance policy for a 93 day trip that I am doing soon. I am currently a US citizen living in the United States for the past 10 years, however I do hold in addition to my US passport, a passport of the country I will be visiting, Venezuela (where I used to live in the past). My question is the following: Holding a dual citizenship and a passport of the country I will be visiting restricts or makes me ineligible in any way to receive benefits of the Patriot International policy, in case there is any claim for any medical emergency? Your prompt comment and /or answer on the above will be highly appreciated.

A:
Your U.S. citizenship will take precedence over any other.
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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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