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Ask Our Specialists

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

Q:Do I need the insurance if I have both of my COVID-19 shots to travel to the Philippine?

A:
Unfortunately we are not able to verify if you need them for travel. you can find out more by reaching out to the consulate or checking the official government website for travel to phillippines.
{{currentOrigin}}/answers/travel-health-insurance/do-i-need-the-insurance-if-i-have-both-of-my-covid19-shots-to-travel-to-the-philippine-26851/

Q:Does the plan cover emergency room?

A:
Thank you for contacting Insubuy. the medical insurance plans are meant to cover medically necessary treatments for new illnesses or injuries that develop after the start date Including Emergency room. You can view this benefit in the plan benefit section.
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Q:If i require medical care whilst on vacation how is the medical cover initiated? Do i have to pay myself and then reclaim or can i present my certificate of medical cover to the medical provider to medical attention to be administered?Also how are services such as medical repatriation initiated?

A:
You would want to give the provider your ID card so that they can veerify your benefits and coverage. It will be up to the provider to direct bill or have you pay up front for services and file for reimbursement. You will find the details of your plans repatriation benefits on pages 19-22 of the Certificate Wording which you can also access through My Account on the Insubuy website. Certificate Wording: /patriot-international-lite/travel-health-insurance.pdf If you have any additional questions, please let us know.
{{currentOrigin}}/answers/travel-health-insurance/require-medical-care-vacation-initiated-certificate-provider-repatriation-88161/

Q:If I purchase insurance from Insubuy, what company(ies) are the actual underwriters of the policy. My wife and I are going to Ireland next week, and we are interested in information about a travel policy that will pay for a potential quarantine prior to return in case one of us tests Covid positive before our return flight.

A:
The insurance company or underwriter would depend on the plan selected. This information can be found under each plans Benefits Link. You can find our plans that include quarantine benefits through this link: /covid19-travel-insurance-with-quarantine-coverage/ If you have any additional questions, please let us know.
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Q:Claim to be submitted for a doctor's visit who was in network but didn't take the insurance

A:
You would need to access your plans claim forms through My Account on the Insubuy website and sumbit them along with your receipts and any medical documents. You would login to My Account with your policy certificate number and the date of birth of the primary insured. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/visitors-insurance-usa/claim-submitted-doctors-visit-in-network-insurance-35048/

Q:i(korean) am planning to visit Texas(fort bliss) to join the Army program coming from 24 May 2022 to 9 July 2023.(i have to stay Texas roughly 13months)so, i am trying to get patriot America plus insurance but the PAPI is arrowing only for 12months. * i have no choice to select other insurances (i must select PAPI)is there any ways to get the PAPI

A:
All short term plans can only be purchased for 12 months at a time. the plan you are looking at now can be extended for another year max after purchase
{{currentOrigin}}/answers/visitors-medical-insurance/buying-a-plan-for-more-than-a-year-39362/

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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