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Ask Our Specialists

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

Q:I am looking for trip insurance to cover reasons like: Illness or injury, death of the traveler or in the immediate family or similar catastrophic occurrences.

A:
The benefits will vary from plan to plan, however, most will cover trip cancellation due to an unexpected injury or illness of a traveler. The benefits are based on the travelers themselves. As far as a death of an immediate family member, if they have been sick and something happens, that would not be covered under any plan with the exception of a cancel for any reason benefit. Anything that is already a possibility of happening at the time of purchase would not be covered. If you are a U.S. resident, there are some plans that will offer a Cancel for Any Reason benefit, that can reimburse up to 75% of trip costs, as long as the trip insurance is purchased within depending on the plan 10, or 21 days of the initial trip deposit. That could be something to look into if you have not yet made an initial trip deposit. Once the trip has started the cancellation benefit option ends, and then the other travel benefits become valid. If you have additional questions about the plans benefits that you are viewing through the link provided, please let us know.
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Q:I need need vision and dental coverage for visitors.

A:
We do have the Careington Dental and Vision discount plan. I have attached the plan link below for you to review the plan and information about the benefits it offers. Careington Discount Plan There is a $20.00 one-time non-refundable set up fee, and the plan is $11.95 a month. Therefore, the first month would be $39.95, and then $11.95 each month after. If you have additional questions, please let us know.
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Q:I want to enquire about your insurance. My husband has cancer already and we want to come to America for his treatment. Will we be able to take out your insurance for his treatments?

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, there are no plans available that will provide coverage for expected medical treatment or pre-existing conditions. Visitors Insurance plans are primarily designed to cover new illnesses, injuries or accidents which occur after the effective date of the policy. Please let us know if you have any additional questions.
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Q:I want to buy trip cancellation insurance that only covers refund up until the date of departure. Does that insurance exist?

A:
Thank you for your reply. There are numerous plans on the market that offer an array of different cancellation benefits. You can find our Trip Insurance plans at the following link: Travel Insurance
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Q:I am looking for health insurance for my 27 yo Daughter in law who is in the US awaiting her green card. She has no pre-existing conditions and is in good health. What would you recommend for her?

A:
We have many plans that she will be eligible to purchase. But before we suggest any plan would like to know how long she has been in US, any current or prior insurance, what's the expiration date of prior insurance, how long do you need coverage and which state do you need coverage for her. Once we get these information will be glad to suggest some plan. In the meantime, Please visit our New Immigrant Insurance section or Short Term Medical Insurance 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 further questions.
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Q:Can you tell me what comprehensuve insurance means? What is covered? Will you send proof of insurance? When should I take this insurance?After coming here or before journey?

A:
Comprehensive plans will pay a percentage, anywhere from 75%-100%. Similar to what you see in domestic insurance plans, as far as coinsurance goes. The policies cover any new illness or injury that occurs after the effective date of the policy. You will receive a confirmation email right after purchase. You can take the plan before or after the trip, however, if taken after the trip, if something happens during the flight it will not be covered We may be able to better clarify your inquiries if you call our office at 866-INSUBUY/866-467-8289
{{currentOrigin}}/answers/visitors-medical-insurance/comprehensive-travelers-insurance-coverage-29672/

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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