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Ask Our Specialists

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

Q:My son and grandson are US citizens who have been living in China for 4 years. They are returning to California for a brief visit (less than 2 weeks) and will return to China. What kind of medical insurance plan can I purchase for them to cover them during their visit?

A:
There are some plans that will offer coverage to US citizens coming as Visitors to USA. The recommended option for that circumstance would be Patriot American Plus or Patriot America Lite. If you have any additional questions please let us know
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Q:If I extend the travel medical insurance will it be subject to another deductible or can the amount already used as deductible in the original policy be continued?

A:
If you extend your policy, you are not subject to another or additional deductible. However, if your policy expires and you purchase another one, even if it is the next day, you would have to meet the deductible of that new plan. If you have any additional questions please let me know.
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Q:I need to know where providers send claim forms

A:
The provider should be sending claims to the respective insurance company that you are insured by. If you are looking for the address of that company it will be located on your insurance ID card. If you have any additional questions please let us know.
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Q:Hi there, I am a U.S. citizen based in the UK. I plan on spending two months or so in the US and wanted to find out what health insurance coverage I can get. Kindest Charlotte

A:
You may purchase a few plans from the Visitors Insurance section. The Patriot America Plus and the Diplomat America plan are popular for a US citizen visiting the United States. These plans will primarily cover someone for new illnesses, injuries or accidents that either exist in the body or occur after the start date. You may purchase one of these plans online or over the phone by contacting our office at +1 (866) INSUBUY 467-8289.
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Q:My parents are traveling to USA and they do have pre-existing physical conditions. They are aged 78/76 . I would like to buy medical insurance covering the most . However on the pre-existing conditions the insurance says if the person is declared fit to travel then the insurance shall cover upto some. I would like to know how to determine if my parents are declared fit. ALso would like to know which insurance is the best for my parents, if someone can share their experience that would be great.

A:
The Visitors Protect plan is the only plan that provides some pre-exsiting coverage for unexpected issues. The Fit to Travel document would be obtained from their doctors in their home country before travel. The plan must be purchased before departure from home country and would need to be purchased for the full duration of their stay as it is not extendable. The plan has a minimum purchase duration of 90 days and that first 90 days would not be refundable. Only any time purchased beyond that 90 days if no claims have been filed since the start of the policy would be eligible for a pro-rated refund minus a $50 cancellation fee. /visitors-protect-insurance/ Please let us know if you have any additional questions.
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Q:I am planning to take Visitors Protect for my mother. She is 68yrs old. She has pre existing condition and need INR blood test twice a week. Will the blood test cost covers under this insurance.

A:
No, the blood tests would not be covered under the Visitors Protect plan. That plan does include some pre-existing condition benefits as long as the person is fit to travel and not coming to the U.S. for medical treatment. Because it is already known she will need those tests, they would not be covered. The benefits are for unexpected issues. Please let us know if you have any additional questions.
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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.

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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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