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Ask Our Specialists

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

Q:Can I purchase travel insurance after I have arrived at my destination? A person in our hostel tested positive and I'm concerned.

A:
Thank you for contacting Insubuy. Travel Medical Insurance plans can be purchased even if you have already arrived in your destination country. Please be advised, these types of plans are primarily design to cover you for new illnesses, injuries or accidents that occur or manifest after the effective date of the policy. For many plans, COVID-19 is treated as any other medical expense as long as someone contracts the virus after the effective date. If you have any additional questions, please let us know.
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Q:Do you offer Bed Rest insurance if you test positive ?

A:
We do offer plans that can cover quarantine coverage under Trip Delay benefits. You can find plans that include those benefits through this quote link: /covid19-travel-insurance-with-quarantine-coverage/ If you have any additional questions, please let us know.
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Q:What date range should I buy coverage for? Do I start the policy two weeks before my departure date to cover unexpected events? Do I extend it 14 days after the trip ends in case a member in my party needs to quarantine?

A:
You buy coverage for the date you depart and the date you return. For the plans that have quarantine coverage, If quarantined, the quarantine benefit will automatically extend past the expiration date but all the other benefits with expire. For the travel plans, during the time from purchase until departure you may make a trip cancellation claim. Only people who are forced to quarantine may make a quarantine benefit claim; the other people stay at their own cost or return home.
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Q:I am buying a plan for me, my wife, and my daughter. The plan will include up to 300 a day in quarantine coverage. If I fail the Covid test the day before departure will the plan cover my quarantine expense and provide my wife and my daughter up to 300 a day to stay in a separate room in the resort?

A:
Only the people that are forced to quarantine may make a claim.
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Q:My flight has been canceled by the airline and rescheduled 2 days later. Are any of the additional costs (accomodation and meals) covered by the insurance?

A:
There is a trip delay benefit that you may view in the Plan Benefits section of the Safe Travels International Cost Saver plan that could be applicable to your situation. You will want to log into the MyAccount section of the website with your certificate number and date of birth and complete the appropriate claim form for your policy. Once submitted, the claim will be reviewed and processed by the claims department for them to make the appropriate determination. Should you need assistance or have additional questions you may also call our office at +1 (866) 467-8289.
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Q:Are there any policies out there that will refund my premium payment if my flight gets cancelled for reasons beyond my control...airline cancels flights, country closes down, etc.??

A:
You may view and quote plans in the Trip Insurance section of our website. Should you have additional questions or need further assistance, you may also call our office at +1 (866) 467-8289.
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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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