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Ask Our Specialists

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

Q:I am a US citizen who has lived abroad for years, but I ended up during the pandemic through technicalities without official residency in Europe. If I visit the US, am I still eligible for the temporary travel medical insurance that you advertise is designed for US citizens visiting the US?

A:
If your primary residence is located out of the United States and you are coming to visit, you may purchase the Diplomat America plan. The plan will allow coverage for any new illness or injury that manifests after the effective date of the plan. It will not cover any type of pre-existing condition, preventive or routine care. Let us know if you have additional questions. You may also call our office at (866) 467-8289.
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Q:Hi, I live in India and want to travel to the USA. I would like to know if the United Healthcare Overseas Visitors Insurance will cover the testing and treatment of Covid-19 in the US. My age is 66 and my wife is 63.

A:
Thank you for contacting US for your insurance needs. There are a few plans that will offer the coverage for COVID-19 in case it were to manifest after the effective date of the plan. The Safe Travels USA Comprehensive would be the recommended plan for someone traveling on a visitor visa to the USA. You may read more about the plans that offer COVID-19 coverage for visitors here.
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Q:Dear Sir/Madam I want to do the wellness test as it's been 6 months since I have been in the US and I have also extended my stay and renewed my travel medical insurance for another 6 months. I need to do a basic routine examination/ health assessment to ensure I am in good health and my numbers are within the set health parameters for my age. I can order the test now and fill the claim form later if it's easier. But will you be able to reimburse me the $75 once I fill the claim form along with the Doctor's order and the lab receipt for my wellness checkup, although the tests cost more than $75. Please let me know. Thanks

A:
You can find the parameters of the wellness visit in the Safe Travels USA Comprehensive plan here. As long as you meet the requirements listed, register and take the visit within the first 21 days of the policy you will be eligible for the benefit of $75 for the visit. Any amount exceeding that would have to paid for out of pocket. Should you have additional questions or need further assistance, you may reach us at (866) 467-8289.
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Q:Does a person need to have a visa to purchase insurance?

A:
There are certain plans available for different visa types and there is only one plan we offer that does not require a valid visa type to purchase. The plan is called National General and it is located in the Short Term Domestic insurance section of our website. We recommend that you call our office and we will be able to better assist you in finding suitable coverage for your situation. Our phone number is (866) 467-8289..
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Q:My parents are coming to the USA on a visitor visa and are looking for medical coverage in case of COVID-19. What plans do you have for them?

A:
We have numerous plans available for visitors traveling to the USA. You may view the recommend plans with COVID-19 coverage here. Keep in mind the plans are meant to cover the new injuries and illnesses that manifest in the body after the effective date of the plan and do not cover any type of pre-existing condition, preventative or routine care. Should you have additional questions or want further assistance you may also call our office at (866) 467-8289. Visitors to the USA Section can be found here.
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Q:I am an F1 student traveling to the US to attend university. I have no additional requirements other than what is standard for the F1 visa type, but I wanted a plan that would offer the COVID coverage. Do you have such plan?

A:
Thank you for contacting Insubuy for your insurance needs. We have numerous plans available for F1 students, but there are only a few that will allow coverage in case COVID-19 were to manifest in the body after the effective date of the plan. One of the recommended plans would be the ExchangeGuard plan. Just like the other plans it will cover any new illness or injury that manifests after the effective and this plan will allow for the COVID-19 coverage. You can read more about student insurance with COVID-19 coverage 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.

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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