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Ask Our Specialists

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

Q:One of my friend suggested to buy visitors insurance from Insubuy for my parents who will be visiting US. I am a resident of Colorado. They will be visiting on a visitor visa.

A:
Thank you for providing the additional details. Based on the information provided below a few of the more popular plan options for their age group would be the Atlas America, Patriot America Plus, and Safe Travels USA Comprehensive plan. We have sent you a quote for these plans. Once you have confirmed the exact coverage dates, and dates of birth please let us know as the quote may change. You may purchase one of these plans online or over the phone by contacting our office at (866) INSUBUY.
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Q:Need to know which pack covers both USA and Canada as my holiday covers both places.

A:
Thank you for your interest in purchasing insurance through us. We provide insurance from many companies. When you get quote from our website here. Please select your coverage are International including US. So whatever the plans comes will provide you coverage in US and Canada. When you apply for any of the insurance, please select your primary destination as US which provides coverage in US, Canada and anywhere in the world except your home country. If you provide travelers age, date of travel and which state do you need coverage in US will be glad to send you quote by e-mail. Please let us know if you need any further clarification.
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Q:I am planning to buy travel insurance today for my parents. They will come to US on May 15th. If there is any change in their travel plan or they have to cancel trip, what options do i have? Can i cancel the policy before May 15th? I need to know more about refund policy.

A:
Thank you for your interest in purchasing insurance through us. We provide insurance from many companies. Most of the plans gives full refund before the effective date of the policy. After the effective date there will be cancellation fees and rest pro-rated or fully unused month refund you will get as long as there is no claim has been filed since the original effective date. If you provide your parents age, their travel date and which state do you need coverage for them will be glad to send you quote by e-mail. Next to each product in plan details you will find the refund rules. Meantime, please visit our website. Enter appropriate criteria. You will find many plans and you can also compare them side by side. We called you and left a message also. Please call our office at your convenience.
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Q:I am looking to buy the Diplomat America Insurance plan for an upcoming trip to America. I would like to have me, my wife, and our 1-year-old daughter all on the same plan. My daughter and I are American citizens, but my wife is a Chinese citizen. Will this be a problem, or can I simply add her to the plan as a spouse?

A:
As long as your home country is China for all of you, everyone can be in the same application. Diplomat America
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Q:I cannot purchase health insurance from my school, as I am an International Student. Do any of your insurance plans cover the Massachusetts Minimum Creditable Coverage requirements?

A:
In that case you can purchase Student Secure Select plan which has more benefits than smart plan.
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Q:I need to go to the Dermatologist for my skin treatment and I don't have school insurance.

A:
The plans available are primarily designed to provide coverage for a new illness, injury or accident which occurs after the effective date of the policy. Some plans will have a waiting period of either 6 or 12 months before the plan will provide coverage for a pre-existing condition. We can recommend a plan for you to purchase in the future, but it will not cover the current dermatology treatment.
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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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