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Ask Our Specialists
All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:Good Day, I recently started an application for coverage for my husband and myself with the ExchangeGuard Essential option. We are looking for coverage for about 40 days. However, can you confirm that this option covers the US requirements for J1/J2 visas. Also, we have recently started the visa process, and would like to know if we should first acquire the visa before taking out medical insurance. Is the medical aid insurance refundable, should our visas be rejected?
Q:How long does it take to get a cover letter? Can it be sent by email? Is there a refund if it is not accepted by the destination country? i.e. Costa Rica?
Q:My fiance arrived to the US on a K1 visa a week ago and needs to see an eye doctor for new symptoms that have developed. However, we have not gotten married yet so I can't put her on my domestic insurance plan. I'd like to inquire about insurance plans for her while she is my fiance, until she gets her permanent residency status.
Q:Now that the CDC has issued an order requiring a Covid-19 negative PCR test in order to enter the US (effective January 26th), what coverage would I have if I tested positive and was forced to quarantine in the country I am visiting? Is there any coverage for the cost of staying there for 10-14 days or however long it takes to get a negative test?
Q:A person who has a pre-existing condition, for example heart disease and have had heart attack and surgeries related to it in past - if he/she have a heart attack while he has an effective insurance policy - Is this situation considered an acute onset of pre-existing condition? And will it be covered under policies which covers acute onset of pre-existing condition up-to a policy maximum?
Q:Hello, I'm an F-1 student in Massachusetts and will be graduating in February. The coverage of my current health insurance from my school will end 1/31, while the health insurance coverage from my upcoming employment won't start until at least 3/1. I want to make sure I'm cover in between those time. Can you let me know what type of insurance I'm qualified to purchase? Thanks!
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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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You cannot find a lower price anywhere for the same product.
Learn MoreWhy buy insurance from Insubuy?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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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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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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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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational 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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