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Ask Our Specialists

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

Q:If you have made your initial deposit on a condo for September 26 to October 3rd and want to get, cancel for any reason, travel insurance on the remaining balance?

A:
That depends upon when you made the initial deposit. Most travel insurance plans that provide cancel for any reason require that you purchase the insurance in 10 to 14 days after your initial trip deposit.
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Q:What does it mean that being in the PPO network will cover "negotiated fees on services only"? Is emergency hospitalization and surgery covered? Are emergency labs covered? What in the health care coverage is not a "service"?

A:
The plans will cover the new illnesses and injuries that manifest after their effective date. They exclude coverage for pre-existing conditions, preventative and routine care. Plans will PPO networks have network negotiated rates that are between the provider (medical professional) and the network. The rates are negotiated for the services the medical professional provides. Plans with PPO networks do not restrict you from going outside of the network, but it is important to note that depending on the plan the coverage may be different, such as a different coinsurance that is used out of network. Should you have additional questions or need further assistance please let us know. You may also call our office at (866) 467-8289.
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Q:if needed, When using PPO in network provider, will I still have out of pocket expenses, or would the visitor insurance will cover those fees at 100%?

A:
Direct billing is up to the provider regardless of whether or not they are in the PPO network. Being in the PPO network means you would receive negotiated rates on services only. If the provider does not direct bill, you would pay for services up front and file a claim for reimbursement. As long as the services were for covered expenses under your policy, you would be reimbursed per your plan benefits. If you have any additional questions, please let us know.
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Q:I am on F1 visa currently in America,nd now I am traveling to Canada for two months,so I require medical insurance policy for 2 months....

A:
If you are needing insurance for travel outside of the U.S., those plans can be found through this quote link: /travel-health-insurance/ If you are wanting specifically plans that will include coverage for Covid-19 as well, you can use this quote link: /covid19-travel-medical-insurance/ If you have any additional questions, please let us know.
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Q:My husband and I want to rent a condo in Florida from 1/1/2021-2/1/2021. The realty company offers no refund within 90 days of the rental. We are concerned about the possibility of travel interruptions or restrictions due to the Covid virus. We are driving and the condo rental costs $6100. Can you advise us? Thank you.

A:
Some trip insurance plans are available to U.S. citizens or U.S.residents that include a benefit called, cancel for any reason. This benefit is available on a select couple of plans if the initial trip deposit date is made within 10 days or 20 days, depending on the plan, of the date of purchase of the policy. Cancel for any reason benefit is the only benefit available with trip cancellation insurances that can cover for cancellation due to Covid-19 related issues. The cancel for any reason benefit can reimburse up to 75% of non-refundable trip costs. You can review those plans here: /travel-insurance/ If you are past the 10 days or 20 days, there would not be a plan available that can provide benefits. If you have any additional questions, please let us know.
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Q:Hi - We had purchased Travel Insurance through InsuBuy for my mother. Policy name " Safe Travels USA Comprehensive ", this insurance uses First Health PPO Network. We found list of urgent cares on their website such as "access medical associates, branchburg ", AFC urgent care Bound brook New Jersey. Both of these urgent care's were listed as In-network urgent care for First Health PPO Network, however they refused the traveler medical insurance. Why In-Network Urgent cares are not accepting Traveler medical insurance ? What should patient do in this case ? Should we pay and then file for reimbursement

A:
Direct billing and in network are two different things. A provider can be in network and not accept the insurance. It is up to the provider if they want to direct bill the insurance company or have you pay up front and file the claim yourself. If you do pay up front, you would access the claim forms through My Account on the Insubuy website. /myaccount/ If the provider has left the network you would either have the non-negotiated rates and need to meet the deductible first or go to a different provider. You can ask providers over the phone if they are in network as you would always want to confirm as providers can come and go from a network throughout the year and you can also ask them if they direct bill as well. If you have any additional questions, please let us know.
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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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