Please call us at toll-free +1 (866) INSUBUY or +1 (972) 985-4400.
WhatsApp: +1 (972) 795-1123
Our working hours:
8 AM to 9 PM US Central Time, 7 days a week.
Email us at: ofni
We will give you a call back at +{{form.isdCode}}-{{form.phoneNumber}}.
We can call you at your convenience, fill out the form below.
Name should not contain numbers or special characters.
Phone Number is required.Cannot contain special characters.Phone number should contain at least one number.
The Payment Card Industry Data Security Standard (PCI DSS)—which was developed by the PCI Security Standards Council (PCI SSC) created by Visa, MasterCard, American Express, Discover, and JCB—is an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.
There are many stringent requirements, including but not limited to:
PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. Click here for more information.
When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
Speak to a licensed and experienced insurance agent in the United States.
For faster service, you can easily extend or submit requests for cancellations or corrections using MyAccount.
When you are traveling, pre-existing medical conditions can be of big concern. Most travel insurance plans usually exclude any claims arising from pre-existing medical conditions. However, with careful planning and if certain conditions are met, you may be eligible for the pre-existing conditions waiver. In other words, exclusions for pre-existing conditions would be waived under certain circumstances and you would get coverage for pre-existing conditions related claims which could be for trip cancellation, trip interruption and medical claims. Such waiver would be very helpful to those travelers who have chronic but well-managed medical conditions who would be able to travel worry-free knowing that their pre-existing conditions could be covered. Pre-existing condition exclusions and waivers usually apply to you, your traveling companion and non-traveling family members as well. You may not know medical conditions of your family members and the chances are even less that you would know the medical conditions of your traveling companion's family members. Therefore, having a pre-existing condition waiver is very helpful.
Even though the exact definition of pre-existing conditions varies in different products, this is a representation of the language used in one of the policies:
Pre-Existing Condition:
An illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date for which You, a Traveling Companion, or a Family Member booked to travel with You:
Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) days period before the Effective Date.
Please note that this definition is only for the trip cancellation insurance, and is NOT applicable to travel medical insurance which has an entirely different definition.
The Affordable Care Act (ACA), also called Obamacare, requires pre-existing conditions be covered. However, the ACA does not apply to travel insurance.
The pre-existing condition exclusion usually does not apply to repatriation of mortal remains, loss of checked luggage, baggage delay, AD&D (Accidental Death and Dismemberment) or Collision Damage Waiver.
The pre-existing condition exclusion can be waived if:
As long as the above conditions are met there is usually no additional paperwork required, nor is there any additional fee for this benefit. Even if you are traveling within the advantage period, you may still have the pre-existing condition waiver.
However, it is important to note:
This is a duration anywhere between 60 to 180 days prior to the effective date of the travel insurance. Depending upon the specific insurance policy, the administrator will review, or "look back" at, your medical records to determine if the claim was due to any pre-existing conditions.
If you had symptoms and/or were treated or had a change to your prescription medications during the look-back period, those medical conditions would be considered pre-existing conditions.
If you were medically stable during the look-back period, then your medical conditions would not be considered pre-existing conditions for travel insurance exclusion purposes.
You could be considered medically stable if, during the look-back period, your medical condition did not change or become worse in any manner, you were not diagnosed with any new medical conditions, you didn't go through any treatment, you were not prescribed any new medications, there were no changes in your prescription medications, you had no pending or initiated treatments, scans, or test results.
Even though insurance policies vary and the specific scenarios differ, the examples below should help you understand how the pre-existing condition exclusion and waiver may apply:
Purchase travel insurance as close to initial trip payment as possible and get the pre-existing conditions waiver.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreSame Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreHealthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreDid 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.
Learn MoreYou are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreYou 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.
Learn MoreThe U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreSchengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreYou don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreMost schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More