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Ask Our Specialists

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

Q:Where do I get a list of participating PPO Providers in Minnesota?

A:
All of the plans on the Insubuy website that have a PPO network associated with it will have a PPO network search that you can use to search providers. If you would like assistnacplease contact our office at (866)INSUBUY and we would be happy to assist you with your PPO netowrk search.
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Q:Hi, I'm booking a trip to St. John. If my flight is cancelled and not rescheduled, such as airlines stop flying to an area because of Covid, would the cost of my accommodations be covered? Thank you, Lori

A:
Thank you for contacting Insubuy. In order to have coverage for trip cancellation due to COVID-19 you will have to purchase a policy such as the Travel LX, that includes coverage for cancel for any reason. Cancellation due to COVID-19 is not covered under the base policy, but adding this benefit will allow you to cancel the trip due to any reason not listed in the base policy such as the airlines are no longer flying due to the pandemic. You are eligible for the cancel for any reason benefit as long as the insurance is purchased within 20 days of your initial trip deposit date.
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Q:Hello! I want to buy health insurance for my spouse (age 56), who is my dependent.

A:
You can purchase insurance for your F2 dependent here. Should you have any specific requirements for them other than what is standard for the visa you can call our office at (866) 467-8289 and any of our licensed representatives will be able to better assist you in recommending a plan.
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Q:I am 72 years old. Excellent health no medications non smoker I would like medical coverage to go from Canada to Mexico for 172 days. October 27,2020 to April 15, 2021. Want Covid-19 coverage

A:
Thank you for contacting Insubuy. You may view your personalized quotation here. Keep in mind that all the plans are designed to cover the new illnesses and injuries that manifest in the body after the effective date of the policy. They will exclude coverage for pre-existing conditions, preventative and routine care. The plans that do include the coverage for COVID-19 will treat it as any other new illness should it manifest in the body after the effective date of the policy. Should you have additional questions or need further assistance please let us know. You may call our office at (866) 467-8289.
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Q:I have Patriot America Plus medical insurance up until Aug 14, 2020. Does that cover COVID-19? If I plan to extend insurance for two more months, will that cover for COVID-19?

A:
Because this plan was purchased prior to March 27, 2020 and your resident country did not issue a travel advisory prior to your travel, you have the coverage for COVID-19 within this plan. If you plan on extending the plan you will continue to have the coverage in the plan. Keep in mind the plans are designed to cover the new illnesses and injuries that manifest in the body during the coverage period. They will not cover the pre-existing conditions, preventative or routine care. Should you have additional questions or need further assistance you may reach out to us at (866) 467-8289. You may also read more regarding the COVID-19 coverage within your plan here.
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Q:I booked a cruise Nov 2019 and bought travel ins before cvoid, Carnival has canceled my cruise and is giving me a refund my Will my travel ins agent refund me my $130 being i purchased before the covid and Carnival cancelled ?

A:
Thank you for contacting Insubuy. You would need to verify this information with your travel agent as we would only be able to advise on the plans that we offer. Please let us know if you need assistance in the future.
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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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