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Ask Our Specialists

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

Q:How to get suitable medical insurance policy for visitors with pre-existing conditions

A:
Thank you for contacting Insubuy for your insurance needs. The insurance plans available on the market for visitors are designed to cover the new illnesses and injuries that manifest in the body after the effective date of the policy. They will exclude the coverage for pre-existing conditions, preventative and routine care. However, there are plans available on the market that will have a benefit for the acute onset of pre-existing conditions that could serve as beneficial for you.
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Q:Hi my mother 85 is new US citizen (MI) lived in the US for 5 years has Medicare part B. She didn't apply yet for Medicare part A. Would she be eligible for bridging insurance? If not at other options?

A:
She may purchase the Bridge Plan until she becomes eligible to enroll in Medicare Part A again. You may fill the application and submit it to info@insubuy.com. Should you have additional questions please let us know. You may also call our office at +1 (866) 467-8289, should you have additional queries.
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Q:I have medical insurance that meets all qualifications for CR except it does not specify the 14 days quarantine. I will be in CR 2 days. I am going directly to Nicaragua and will not come back until my return flight. July 14,2021 arrive and October 13,2021 depart. I am told I need 5 days worth of quarantine coverage each time I come into the country. Can I buy Covid quarantine protect only for those days?

A:
We have numerous products available in the Costa Rica Travel Insurance section of our website. However, you will need to insure the full duration of your trip. Your start date should be from departure of home country and your end date will be your return date. Should you have additional questions or need further assistance please let us know. you may call our office at +1 (866) 467-8289.
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Q:My son is an Expat posted overseas since 20 years He (50), his wife (49) and sons (14 and 10) is currently posted by his New York Company in India. He is visiting me from June 30 to July 29, All 4 are USA citizens. He needs travel insurance for this trip.

A:
As long as their primary residence country is outside the United States, they may purchase either the Patriot America Plus or Diplomat America plans for their visit. Keep in mind the plans are designed to cover the new illnesses and inquires that manifest in the body after the effective date of the plan. They will exclude the coverage for pre-existing conditions, preventative and routine care. 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 daughter is moving to France for the next year and a 3 month travel medical policy is required for her Visa. I am confused about pre-existing conditions. She does have a chronic illness for which she is on monthly medication. If she were to have a flare-up and require hospitalization in that three-month period would those charges be covered?

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, such coverage would be unavailable in a plan that would meet the requirements for her visa. However, there is an additional plan that you may purchase call the Voyager Choice, which could allow for the coverage of pre-existing conditions as long as she were to have a primary plan in place within the United States. You may review the plan's certificate wording as well for full list of benefits and details. Additionally, it would be worth mentioning that for the insurance she is required to maintain for her long term stay in France, she would need to purchase for the full duration of her trip, rather than just the 90 days, to prevent visa rejection. Should you have additional questions you may also call our office at +1 (866) 467-8289.
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Q:Does your company offer dental insurance for visitor that are already in usa

A:
The only type of dental coverage that would be available would be under the Careington Vision/Dental Discount plan. Keep in mind this plan is not insurance and will only offer you the discounted rate off the providers normal fees. Should you have additional questions regarding it 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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