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Ask Our Specialists

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

Q:Can coverage be added for delayed flight, cancellations and lost baggage?

A:
There are separate insurance plans for Trip Cancellation that you can purchase. Please see the link listed below for plans that will cover trip cancellation. If you have any questions please feel free to contact our office.
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Q:My parents will be visiting me from India and will be staying in US from June 7th to Sep. 6th. They will also be visiting Dubai from Sep. 7th till Sep. 13th. They are both under the age of 65 yrs and have no pre-existing condition. I was looking into the option of purchasing Visitor secure insurance (attach is the quote from your website). I need the following clarification: 1) is travel insurance included in the plan? if so what are the schedule of benefits for travel related incidents? 2) Will coverage be applicable from the date of start of travel until arrival back in India? 3) is coverage included for Dubai too? if so are the limits same?

A:
Answer for your questions below: 1. Yes. Insurance will pay for any medical problem during travel, evacuation, repatriation and flight accident will be covered. Plan will not cover loss of checked luggage, trip interruption etc. Please look at the Travel Medical Insurance section. 2. Coverage starts by 12:01AM US eastern time zone not local time zone. So as long as their insurance is effective they will get coverage. 3. Visitor Secure insurance will provide coverage worldwide except their home country. You can compare visitor Secure plan with other plans at our website.
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Q:I don't know if you remember me or no but couple of months ago I had contacted you and asked you for the visitors medical insurance quotation for my brother and his wife who are planning to visit me from India in the month of June for about a month in Houston, Texas and you were kind enough to send me the documents for Atlas America network doctors and hospitals which I requested and did received. Now my question is, yes my brother (63 years old) and his wife (53 years old) will be most probably arriving here in Houston on June 9 for a month but I won't know for 100% sure till June 1 so is it OK for me to contact you to buy the visitors insurance for them on or before June 1 for June 8 till July 8 duration. Please do let me know so I can contact you personally at that time and get the process started. I can do online or I can do with you on phone. Just let me know what information you need about them who will be visiting me in USA.

A:
Yes, you can wait until June 1 to purchase the plan. It can be purchased up to the day before the effective date since the plan is an instant purchase. You will need their names as they appear on the passport, their passport numbers and their date of birth. The remaining info will be your address and your payment information. You can purchase the plan online on our website or over the phone, either way it will be the same process same cost. If you have additional questions please feel free to contact our office.
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Q:I'm looking for a medical insurance plan for an international student that meets all the criteria below: ACA-compliant plan Deductible of a. $500 or less for individual plans, or b. Any amount for non-individual plans (i.e., parents' insurance plans that cover the student, or student's employer insurance plan, or student's spouse's employer insurance plan) Local coverage Prescription benefit Coverage for entire academic year US Based plan For your information I'm South Korean aged 25. I hope you could recommend me some options.

A:
You will not find ACA compliant plan in outside market. You have to purchase insurance from your school.
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Q:I am traveling to Italy, Poland and Germany during my stay in the schengen zone, but it only allows me to select one destination. Is that okay?

A:
The plan will cover you anywhere outside of your home country. You would just select the primary destination in the application.
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Q:I and my family are all US citizens living/working abroad. We are planning to visit the US in July and are interested in travel medical insurance. Would we be covered by the Atlas American and Patriot America insurance? These are the two plans I like, but their eligibility requirements are a bit confusing as to whether they would cover us.

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, U.S. Citizens are not eligible to purchase the Atlas America or Patriot America Insurance plans while visiting the U.S. In order to recommend the appropriate plan we will need to know more information. Can you please provide the state in which you will primarily visit., and the travel dates? You may also obtain a plan recommendation by contacting our office at (866) INSUBUY. 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.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy 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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