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Ask Our Specialists

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

Q:If a cruise line cancels my trip and is reimbursing our money, and the airline is cancelling our flight, and reimbursing our money, are we entitled to get a cash refund from our travel insurance company for the premium paid.

A:
That depends upon the insurance policy you have purchased. And based on the email address you provided, we are unable to find you in our system.
{{currentOrigin}}/answers/vacation-insurance/travel-insurance-refund-if-cruiseline-resimburses-the-money-37043/

Q:I had a travel insurance policy when I came to the US on 29th February. I have exhausted the policy due to an unforeseen emergency. The policy has not expired. Is it possible to take another policy through you to cover any acute onset of pre existing conditions?

A:
You can purchase a new policy at /visitors-insurance/ . New deductible,new pre-existing rule, everything starts all over again as of you have never purchased any insurance.
{{currentOrigin}}/answers/visitors-insurance/i-have-exhausted-the-policymax-the-policy-has-not-expired-is-it-possible-to-take-another-policy-79950/

Q:My mom will turn 60 in JUL. She is in the US right now. We applied for her GC while she was here. She got her GC on MAR 30, 2020. I need to know what is the best way to get her a decent health insurance. Would she be eligible for Medicaid? What are the basic do's and dont's with getting her a decent health insurance

A:
You can look at our new immigrant health insurance section for available plans. No, she is not eligible for Medicaid.
{{currentOrigin}}/answers/new-immigrant-medical-insurance/mother-recently-received-greencard-medicaid-eligibility-37512/

Q:I would like to buy a EXCHANGE GUARD CHOICE for my daugther (17 years) that will study in USA Denver from august 2020 to December 2020 (Visa F1). If I buy now (insurance starts on July 24th, 2020) and just in case she will NOT come is the insurance REFUNDABLE before July?

A:
The plan is fully refundable before the effective date of the policy. Please see the refund policy listed below. If you have any additional questions please contact our office.
{{currentOrigin}}/answers/international-student-health-insurance/insurance-refundable-policy-20404/

Q:Will Atlas America plan cover prescription medication cost? We purchased from prescription medicines but they did not accept the Insurance that we had.

A:
The plan will cover the cost of prescription medications however, it has to be related to new accidents and new illnesses that occur after the effective date unrelated to pre-existing conditions. Medications are always paid for out of pocket and can be claims for reimbursements.
{{currentOrigin}}/answers/visitors-insurance-usa/prescription-medication-coverage-in-atlas-america-14679/

Q:I would like to buy a EXCHANGE GUARD CHOICE for my daughter (17years) that will study in USA Denver from august 2020 to december 2020 (Visa F1). If I buy now (insurance starts on july 24th, 2020) and just in case she will NOT come, is the insurance REFUNDABLE before july?

A:
Thank you for contacting Insubuy. The plan is fully refundable before the effective date of the policy. Please see the refund policy listed below. - Refund Policy If you have any additional questions please contact our office.
{{currentOrigin}}/answers/international-student-medical-insurance/refund-policy-for-exchangeguard-international-student-insurance-95661/

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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