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Ask Our Specialists

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

Q:what is your cheapest insurance for 18 months? What is your refund policy? Thank you

A:
The price of the policy will depend on the policy type purchased and the age of the proposed insured. Please contact our office to speak with a licensed agent to assist with plan selection.
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Q:Hi, My Parents reached USA on 18th of April. I am looking to buy medical insurance for them. Is there any insurance that we can buy if insureds are already in US

A:
Insurance plans can be purchased even if the proposed insured is already in the United States. You can review the available plans in the Visitors to the USA section of the website. Plans are designed to cover the new accidents and illnesses that did not exist on the effective date of the policy. If you would like assistance from a licensed agent please contact our office.
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Q:American living and working in Italy. What kind of insurance is needed when visiting the US? and taking a side trip to mexico while in the US for a month.

A:
A popular plan that US citizens visiting the US are eligible for would be the Patriot America Plus plan. This plan will cover you anywhere outside your home country. You can learn more about this plan and make a purchase using the link below. /patriot-america-plus-insurance/
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Q:I am looking to buy travel insurance for my mother 88 years old. She is in excellent health but i dont see how you can give a policy without questionnaire.. and would $100,000 be sufficient Thanks

A:
Visitors Insurance plans do not ask for medical information prior to your purchase. They are primarily designed to provide coverage for new illnesses, injuries or accidents that either exist in the body or occur after the effective date. They are not designed to cover pre-existing conditions, routine doctors visits, or preventative treatments. There are some plan options that will include coverage for acute onset of pre-existing conditions, and one plan called Visitors Protect, that includes some coverage for pre-existing conditions. The decision on whether or not the medical situation is a covered expense or not is made by the Claims Department using the attending physicians statement and medical records which are generated at the time of the incident. In regards to the policy maximum option, it is always better to consider choosing a higher maximum over a lower option due to the high cost of medical expenses in the US. If you have any additional questions or need further assistance, please let us know.
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Q:I have CAD , had coronary stents and also an open heart surgery for coronary before and i am stable for 7 years now. if i have heart attack while visiting usa, will this be covered by the travel medical insurance policy or not ? specifically Atlsa plans

A:
Generally, travelers health insurance will not cover pre-existing conditions with the exception of Acute Onset of pre-existing conditions coverage available on some plans. I have provided a link to a more in-depth explanation of what "acute onset" coverage is. Be advised, it is always recommended to review the certificate wording of an individual policy before purchasing. /visitor-insurance-acute-onset-of-pre-existing-conditions/ If you have any additional questions please reach out to our offices at 1(866)INSUBUY. (4878289)
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Q:I am 87 years, Male Swiss National living in Malaysia that does not have Travel Insurance for people above 80 years. I intend to buy a Travel Insurance for my coming trip12 May until 21 May,2023 to Switzerland.

A:
If your Home Country (where your priciple residence is) is Malaysia, then you would be eligible to purchase insurance that would cover you while you visit Switzerland. Please use the link below to see a quote using the information you provided. It is advised to verify that all information that was entered is correct. Covid19 Travel Medical Insurance
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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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