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Ask Our Specialists

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

Q:Do your policies cover countries who are listed as amber or red with regard to covid

A:
Thank you for contacting Insubuy. Yes, the plans that include coverage for COVID-19, also include this coverage even in this situation. If you have any additional questions, please let us know.
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Q:Good day Sir/Maam, I would like to ask if which insurance is best to purchase if we cancel our flight because of the pandemic? (For example: at our country of destination, we have to quarantine for more days, in the Philippines right now is 10 days and then for example they changed it to 14 just in the hotel, ruining our travel plans, or sickness/flu etc). We bought our ticket at cheapoair then they wouldnt let us refund our money back, so that's why I researched about travel insurance. Looking forward to hear from you. Thank you!

A:
Thank you for contacting Insuuby for your insurance needs. For cancellation due to the pandemic, the only way something such as that could be covered would be under a Cancel for Any Reason benefit in a Trip Insurance plan. With regard to quarantine, you will want to look into the COVDI-19 Quarantine Coverage section of our website. Keep in mind that cancel for any reason coverage would only be available to US residents and must be purchased within a certain number of day from the intial trip deposit date. 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:My brother, an American citizen and resident in Belgium, and his children, dual citizens of the US and of the Netherlands, wish to travel to NYC to attend the wedding of our daughter. We are US citizens and reside in NYS and the wedding will be in NYS. Can "cancel for any reason travel insurance" be purchased to mitigate loss of expenditures for the trip (airfare, hotel, car rental) in the event that 1) the wedding needs to be deferred because of NYS-imposed or US-imposed covid restrictions on travel, or size of parties, which in turn make it necessary to defer the wedding???? Who is offering the insurance in Europe or the U.S. to residents of the EU (Netherlands, Belgium)The wedding date is 11/7/21 and the travel dates for my brother and his adult children (dual citizens of the US and the Netherlands.

A:
The Cancel For Any Reason benefit is not available in the state of New York unfortunately. We will not be able to offer trip cancellation insurance to any U.S. citizens that reside outside of the United States. In this case there would be nothing that we can offer for their travels.
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Q:Hello there, I'm looking for a policy for my sister who are coming to US to study. She is 14 YO. The main thing we want is to make sure she has coverage for some vaccines (e.g. covid, varicella, MMR, etc.). Could you help share some quotes and options?

A:
If your sister will be in the U.S. on an F1 visa, you can use our F1 plan quote link to find plans that would be available to her based on her specific information, for example her country of citizenship and what state she will be in, or is in currently if she has already arrived. /international-student-insurance/ Few plans will provide vaccination coverage. We do have one plan, The Student Secure and at the Elite plan option can provide a $150 benefit, that can be used towards certain vaccines. I have listed that plan link below. This may be a good option if it comes up in the available plan list once you run a quote through the above link. /student-secure-elite-insurance/ Please let us know if you have any additional questions.
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Q:We moved in May from NE to ND on an H2A visa - is there anyway we could get medical coverage?

A:
Thank you for contacting Insubuy for your insurance needs. There are many factors to deciding elegibility for this type of coverage. Please call our office at +1 (866) 467-8289 to determine if coverage would be available to you from us.
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Q:My wife arrived July 27 after receiving a Green Card. I want to enroll her in my insurance program but am being told we will have to wait for the next open enrollment period and that her status as a married recent green card holder does not constitute a QLE. In my opinion and for all practical purposes our situation is the same as getting married.

A:
If your wife is unable to obtain a domestic insurance plan, either through your employer or through the marketplace, she may be eligible to purchase the National General Short Term Medical Plan. She would be able to continue coverage under the plan until she can purchase a domestic insurance. Should you have additional questions you may 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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