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Ask Our Specialists

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

Q:We purchased travel insurance for a cruise we were going on in May, 2023. My husband is diabetic and was having a problem with his magnesium and started receiving magnesium infusions in November, 2023. They were ordered when needed. By January his doctor put in an order for weekly infusions. After a couple months it was determined that he needed twice weekly infusions. At this time we decided the infusions would not be ending any time soon and we decided we would have to cancel our cruise. I filed notified the cruise line. They returned some of my money and had to file a claim with the insurance company. They have denied the claim, saying it was a preexisting condition.

A:
Please contact our office for assistance.
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Q:I would like to purchase medical insurance for 44 years old female and 7 years old girl with following minimum requirement- Covid-19 or pandemic coverage- Medical maximum benefits of at least 400,000.00 per person per year- The total deductable must not exceed 1000- Repatriation of remains in the amount of 50,000 should a death occur in the U.S.- Medical evacuation in the amount of 250,000 (per individual)

A:
You can take a look at the COVID-19 Travel Medical insurance coverage options that will provide coverage for COVID-19. These plans will cover any new accidents or illnesses that did not exist on the effective date of the policy.
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Q:Hello My son is traveling to USA from India for short trip of 2 months under H4 visa. He is 19 years old, please guide which insurance policy for better for teen.

A:
Please contact our office for assistance in selecting a plan for coverage for an H4 visa holder.
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Q:hello, im looking for health insurance who are visitin usa from india for six month (june 8 to dec 4th 2023). My parents age 68 and 58. They donot have any pre existing conditions.

A:
You can run a quote through Visitors to USA to see what plans are available to you. If you have questions about a particular plan, please call our office at 1(866)INSUBUY (4678289).
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Q:Do any of your policies cover hemodialysis outside USA?

A:
Plans are designed to cover any new illness or injuries that were to occur after the effective date of the policy. Most plans on the market will not cover pre-existing conditions, preventative care, or routine maintenance. If you are looking for pre-existing condition coverage, Visitors Protect will offer coverage for pre-existing conditions However, it still will not cover for expected treatment. Additionally, it does have an exclusion for hemodialysis except in the case of acute renal failure. If you have any additional questions please let us know.
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Q:do you have a policy that will cover sports related injuries? my daughter will be playing soccer while studying in Italy.

A:
Diplomat International offers optional coverage for both interscholastic and non-interscholastic sports. If you have any additional questions please let us know.
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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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