Ask Our Specialists

Thank you for contacting Insubuy. The Patriot America plan you have purchased provides coverage for new illnesses, injuries or accidents that manifest after the effective date of the policy. The plan does not cover pre-existing conditions, routine doctors visits, or preventative treatments. The final determination as to whether the medical situation is a covered medical expense or not is determined by the claims department, and they will make their decision based on the medical records, and attending physicians statement. If you visit an in-network medical provider for a covered medical condition, the plan will pay 100% up to the policy maximum for any eligible medical expenses such as doctors visits, and diagnostic services. If the treatment is provided at an out of network facility, the plan will pay 80% up to $5,000, then the plan will pay 100% up to the policy maximum for any eligible medical expenses. Since there is no network of pharmacies, prescriptions will be treated as out of network. The medical provider you visit can choose to bill you directly or bill the insurance directly. The best practice is to present the insurance information to the provider, and then they will call to verify benefits. You may also call the provider in advance and ask if they particpate in direct billing. If you end up paying from your pocket, you may file a claim for the reimbursement. If you have any additional questions, please feel free to contact our office at +1 (866) INSUBUY 467-8289.

Thank you for contacting Insubuy for your insurance needs. You may view and quote the insurance plans in the Visitors to the USA section of our website. The plans are designed to cover the new illnesses and injuries that manifest in the body after the effective date of the policy and will exclude the coverage for pre-existing conditions, preventative and routine care. However there is an acute onset benefit available in some plans that could be beneficial to you. Should you have additional question you may also call our office at +1 (866) 467-8289.

Thank you for contacting Insubuy for your insurance needs. If you are referring to the plans found in the COVID-19 Quarantine Coverage section of our website, it would be decided by facility you are staying at depending on their business practice. They can bill directly to the insurance company or ask you to pay from your pocket for reimbursement. Should you have additional questions or need further assistance you may also call our office at +1 (866) 467-8289.

Thank you for contacting Insubuy for your insurance needs. If you are able to get a domestic policy you would want to purchase such coverage. If you are unable to acquire a domestic plan you may purchase a short term medical plan such as National General for yourself and your wife. Should you need further assistance you may also call our office at +1 (866) 467-8289 and we may have other options available. Let us know how we may further assist you.

The maximums and deductibles are per individual. Should you have additional questions or need further assistance you may also call our office at +1 (866) 467-8289.

Thank you for contacting Insubuy for your insurance needs. The visitor plans available are designed to cover the new illnesses and injuries that manifest in the body after the effective date of the policy. They will exclude pre-existing conditions, preventative and routine care. You may view these plans in the Visitors to the USA section of our website. Keep in mind that if an issue is currently going on as this time, prior to the purchase of the insurance, it would be excluded from coverage as it would be a pre-existing condition. Should you have additional questions you may also call our office at +1 (866) 467-8289.