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Ask Our Specialists

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

Q:Hello. I travel to Ukraine for a week. Americans must present an insurance letter at airport that states: treatment of covid-19 is covered in Ukraine. Do you provide this letter?

A:
We would be glad to assist. We do have insurance that will cover someone traveling anywhere outside their home country and will provide benefits for Covid-19. Please use the quote link below to run quotes for your specific situation. /ukraine-travel-insurance/ Plese let us know if you have any additional questions.
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Q:Need COVID medical and evac insurance as entry requirement to Turks & Caicos. Two travelers, ages 76 and 67. Please steer me toward the right plan... you have many choices and we have limited time to research. Thanks

A:
We would be glad to advise. Please see the information for our Safe Travels Outbound Cost Saver plan. There will be a quote and purchase button for you to look at pricing and options. This plan will not exclude coverage for Covid-19 meaning that it will cover it as any other new illness on the plan, and includes the medical evacuation benefits. If you have any questions, please let us know.
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Q:I am currently in the US. I bought a visitor's insurance through insubuy after I arrived here in the US. My question is - I had an abdominal pain couple of weeks ago with high fever. I was admitted to emergency room . After the tests, I was diagnosed with acute cholecystitis and I had to undergo surgery for gallbladder removal. Although, I had a comprehensive plan through insubuy, but the hospital stay and surgery would reach almost maximum coverage that I had after the payment to hospital is made though insurance. I plan to stay another 3-4 months in the US but since I would have less coverage now, what are my options for getting more coverage or adding the coverage amount to existing coverage?

A:
We would be glad to advise. You cannot increase a plan's policy maximum once the policy is active. Your only options would be to purchase a new policy or only have available the remainder of your current policy maximum. Keep in mind that if you do purchase a new plan, anything that happened during the first plan will be considered pre-existing and not covered. Therefore, if any additional treatment due to the above incident were needed, you would be paying out of pocket for those services. If you have any additional questions, please let us know.
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Q:I am looking for travel insurance which even covers, add on coverage - even Overseas -Repatriation to India (if sick) -Theft, Burglary, Snatching, stealing when visiting abroad. (Good amount) - Cancellation of Trip/Cruise

A:
We would be glad to advise. For travel that will include coming to the U.S., use this quote link for our Visitor plans: /visitors-insurance/ If the travel does not include coming to the U.S., then use our link for our travel outside the U.S. plans: /travel-health-insurance/ The above plans offer medical coverage for new illnesses and new injuries that occur, are contracted, or manifest after the effective date. *Only some plans will include coverage for Covid-19* We also provide Trip Insurance plans that can cover flight delays, trip cancellation, and other non-refundable trip costs, those plans can be found here: /travel-insurance/ These types of benefits cannot be added-on to the above Travel Medical policies, and therefore you would have to purchase the different types of plans individually. Each plan will offer certain benefits. Some will offer theft benefits, loss of passport, loss of luggage, etc. After running the quotes through the links above, you will see a view more button under each plan. After selecting that, you can select that plan's Benefits Link to see what that specific plan will offer. If you have any additional questions, please let us know.
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Q:I am buying this insurance to cover COVID19. How many days of Hospital stay does insurance cover? How many days of ICU stay is covered?

A:
Thank you for contacting Insubuy for your insurance needs. The insurance available is meant to cover the new illnesses and injuries that manifest after the effective date of the policy. Keep in mind there is no plan on the market that will cover the pre-existing conditions, preventative or routine care. The plans that offer COVID-19 coverage can be viewed and quoted here. You will be able to view and compare the differences in plans to see how they work and how the cover. Should you have additional or specific questions about a plan we will be able to better assist you. You may also call our office at (866) 467-8289.
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Q:Does it cover trip cancellation due to travel restrictions on account of covid ?

A:
Thank you for contacting Insubuy for your insurance needs. The only type of benefit that would allow such coverage would be under a plan with a CFAR benefit (Cancel for Any Reason). There are specific requirements to met in order to be eligible for the benefit, such as the purchase of the plan be within 10-20 days of the initial trip deposit (this is dependent on the plan). To find more information on COVID-19 related cancellation insurance please read here.
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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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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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