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Ask Our Specialists

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

Q:Who is responsible ER bill charges for 69 year old ER visit in case of life threatening situation like low BP, dizziness and couldn't talk at 3am, who got well later in ER and was not admitted.Charges were made patient responsibility as the patient was not admitted to hospital. In the scenario explained, it was not the flu or some insect bite. It is a life threatening situation for an 79 year old visitor who came out of their country.

A:
You will want to contact the claims department directly regarding the status of your specific situation. Insubuy is a broker and does not have the claims information due to HIPAA laws. Additionally, you may call our office for support if need be. Our phone number is +1 (866) 467-8289.
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Q:Before I purchase the insurance. I need to see the certificate that proves that I will be covered for Covid 19. Because that is the requirement for my trip. I was reviewing the insurance and I don't see the specific coverage for covidPlease can you help me with that information. Thanks

A:
We would be happy to advise on such coverage. Typically this information can be viewed on the sample documents listed below the plans. If you are having difficulty locating this information feel free to give us a call at +1 (866) 467-8289 and we will be able to help you locate where it will state this information. Please let us know if you have additional questions.
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Q:My inquiry is about the Safe Travels International Cost Saver COVID policy for Costa Rica. Is this valid even though I am already in the country? For example, my current covid policy is extended to it's maximum and I would have to return back to Canada (I am a Canadian citizen) in order to restart a new trip and to be eligible for more coverage. Please confirm, thank you.

A:
Thank you for contacting Insubuy for your insurance needs. The Safe Travels International Cost Saver plan can be purchased if you are already located in Costa Rica. This plan can start as early as the next day. If you have any additional questions, please let us know.
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Q:I am looking for inexpensive covid health insurance to comply with Costa Rica requirements for June 9th to June 28th. I am looking for the cheapest option out there. Coverage for me (58), wife (54), son (15).

A:
The available plans that meet the necessary requirements can be found in the Travel Insurance for Costa Rica section of our website. If the application requires you to enter in a trip cost amount you can put the value of $0 to lower the premium of the plan. It is not required to enter the amount to meet the requirements for Costa Rica entry, but is an option if you are looking for trip cancellation benefits. Should you need further assistance or would like to acquire a quote over the phone you may reach out to us at +1 (866) 467-8289.
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Q:Can I use the insurance for return to home country for care

A:
Thank you for contacting Insubuy for your insurance needs. The plans are designed to cover the new illnesses and injuries that manifest in the body after the effective date of the policy and will exclude the coverage for pre-existing conditions, preventative and routine care. Majority of the plans will come standard with benefits such as medical evacuation and repatriation coverage, but these are not elective benefits. Meaning, you will be unable to electively decide to use the benefit to travel back to your home country to receive medical treatment there. It will be determined on if it medically necessary to use such benefits and typically it will be used for transport to the nearest medical facility where you may receive comparable care. Should you have additional questions you may also call our office at +1 (866) 467-8289.
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Q:I will be attending school in France for a year and there is an insurance requirement. How can I get a quote for this type if coverage?

A:
You may view and quote the available plans in the Schengen Visa sections of the website. Should you need assistance regarding this you may also call our office at +1 (866) 467-8289.
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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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