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Ask Our Specialists

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

Q:Hi, for the Diplomat insurance... i understand you don't cover a rental car, but will I be covered if I am injured in a rental car? Thank you.

A:
The Diplomat America insurance will exclude medical expenses resulting from a motor vehicle accident in excess of that which is payable under any other valid and collectible insurance. Please read over the certificate wording to familiarize yourself with the benefits of the plan. Should you have additional questions or need further assistance you may also call our office at +1 (866) 467-8289.
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Q:Hi,I jusr want to know if I should pay the coverage for a certain period of time and then extend it monthly?

A:
Thank you for contacting Insubuy for your insurance needs. Since you are on a J visa it is required that you have insurance for your entire stay in the United States. Due to this rule, we recommend purchasing for the entire stay at once. There a few J visa insurance plans that will give you the option to pay all at once or pay monthly. You may view the StudentSecure and the Study USA insurance plans as both will monthly payment options in the application. If you have any additional questions, please contact our office at +1 (866) INSUBUY 467-8289.
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Q:Hi! I'm traveling from Norway to Mexico, then Colombia and might go to the US before back to Norway. Most of the time will be spent in Colombia and I would like to have an insurance where I am fully covered if something happens as I have heard it can be a dangerous country in certain areas with a high crime rate. What insurance will bet cover me on this 2-3 months long trip?

A:
If you are traveling outside of your home country and include United States within your travel it would be recommended to quote and purchase a plan from the COVID-19 Travel Medical insurance section of our website. Under coverage area be sure to select "International, including USA" to ensure you are covered for the full duration of your trip. Should you have additional questions or need further assistance please let us know. You may also call our office at +1 (866) 467-8289.
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Q:my mother has persistent cough for 2 weeks now. We bought travelers insurance for her before she came. I would like to get her checked out by a doctor. What is the procedure to get this done?

A:
The procedure is similar to using any insurance. You will go to the provider you are wishing to visit and present them with the ID card. You can verify if they will set up direct billing with the insurance company and if they are unable to, you will pay our of pocket and file a claim for reimbursement for eligible expenses. Keep in mind the plans are designed to offer coverage for new illnesses and injuries that are contracted after the effective date and will exclude the coverage for pre-existing conditions, preventative and routine care. Should you have addiitonal questions or need further assistance please let us know. You may also call our office at +1 (866) 467-8289.
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Q:Are we eligible for Atlas medical insurance if we are not American

A:
Atlas plan is available to US Citizens or Non US Citizens who need coverage outside your country of residence. Coverage area International including USA need to purchase Atlas America Insurance Coverage worldwide excluding US need to purchase Atlas International Insurance
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Q:Does your 2000 COVID-19 travel insurance cover the cost of rebooking your flight? It only mentions accommodations and lodging. Does accommodations include food?

A:
You can use the remaining daily limit to cover for changing flight. the quarantine benefit also includes food as part of the daily limit. if you have any further questions or need further assistance please contact us.
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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.

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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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