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Ask Our Specialists

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

Q:I am considering to buy a comprehensive travel medical insurance to use during my travels to France. To use this insurance do I have to pay the medical fees first and then submit a claim to be reimbursed? How does the payment to the doctors work?

A:
The plans can be used both ways you can give the doctor the id Card wich has all the information they need to bill the insurance or you can pay out of pocket and fille for reimbursment
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Q:Which insurance policy will cover my already paid expenses if I test positive for COVID prior to leaving for my trip & am no longer able to go?

A:
For US Residents, you will need a letter from a Physician stating that you: 1. Can not fly. 2. Cancel your trip. Safe Travels Voyager is a plan to consider. If eligible, you may purchase a Cancel For Any Reason Travel Insurance but the benefit must be used 48 hours prior to your departure time.
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Q:If I buy the J1 medical insurance from insubuy do I need to send the PCP information to the insurance company? If so, where can I find the PCP info for insubuy and where do I have to input that PCP info.?

A:
If you mean a PCR Covid test, we do not require any test to purchase insurance.
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Q:Hi, How do we file a claim of our return home is delayed due to quarantine?

A:
You download and complete the appropriate claim form for the Safe Travels Outbound plan. You will want to complete the Trip Delay claim form and follow the instructions listed on the form for submission. Should you have questions or need further assistance please let us know. You may call our office at +1 (866) 467-8289.
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Q:I am looking for a policy for my wife and I. We are traveling to Germany Feb 2nd and returning March 21st. We want a policy that would reimburse us if we got sick or if our destination travel was stopped due to Covid. What policy would you recommend? Our tickets are around 2500. We would need coverage for the ticket cost only.

A:
You will want to quote plans in the Trip Insurance section of our website. There you may enter the applicable information to receive quotes. Please review the plans benefits and certificate wording to determine if it is the appropriate coverage for you. You may also call our office at +1 (866) 467-8289. Should you have additional questions please let us know.
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Q:Does the insurance cover for the PCR COVID-19 test for traveling back to my destination?

A:
COVID-19 testing for travel purpose and elective testing would be excluded under all visitor insurance plans as it is an expected expense due to travel. You will have to pay out of pocket for the test. 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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