There was a problem, please make the requested changes and submit again:

  • Search criteria is required. {{ error }}

Ask Our Specialists

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

Q:I would be working a rotation of 6 weeks in W Virginia and then home to Canada for 2 weeks until the end of December 2020. Does the comprehensive visitors insurance plan cover a person when said person is employed in the U.S.A.?

A:
As long as you are temporarily in the US and your permanent residence country is outside the US, you can get the coverage outside your country of residence.
{{currentOrigin}}/answers/visitors-medical-insurance/working-a-rotation-in-w-virginia-and-then-home-to-canada-for-2-weeks-comprehensive-coverage-36185/

Q:What is a pre-existing condition ?

A:
A pre-existing medical condition is defined as any injury, illness, sickness, or disease, other physical, medical, or mental or nervous condition, disorder, or ailment, with reasonable medical certainty, existed at the time of application or at any time during X number of years prior to the effective date of the insurance. This includes whether or not it was previously manifested, symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any chronic or recurring complications or consequences related thereto or arising therefrom. I have also attached the link to our FAQ page regarding pre-existing conditions for you to review. /visitor-medical-insurance-pre-existing-conditions/ Please let us know if you have additional questions.
{{currentOrigin}}/answers/international-travel-medical-insurance/what-is-a-preexisting-condition-98443/

Q:I have been having serious lip infection problem and on recommendation of doctor. I need to do test at my Quest which innetwork . My quest being in network will send you the bill should I send you claim form as it may have any deadline. I am a student. Thank you

A:
For questions regarding claims, you would need to contact your plan's claims department directly. Their direct number is 1-800-605-2282. They will be able to advise and assist. Please let us know if you have additional questions.
{{currentOrigin}}/answers/international-student-health-insurance/recommendation-doctor-test-quest-in-network-bill-claim-form-41149/

Q:Hello, I'm covered by Atlas International Insurance Premium. My certificate number is 120053279. Today I got mugged and my personal belongings - new phone has been stolen. I filed a police report. Does it fall under the category of Crisis response/ loss of personal belongings? How can I file the claim? Thank you!

A:
The below situation would not be something that would fall under the Crisis response benefit, and the plan does not include benefits for loss of personal belongings. It offers benefits for lost checked luggage if lost through an airline or travel carrier. However, we would advise that you contact the claims department to advise of your situation as the plan does offer benefits for loss of documents such as your passport, and they would also be able to advise of any other coverages that might apply to your situation. Their direct # is 1-800-605-2282. You will just provide to them your policy certificate #. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/trip-cancellation-insurance/atlas-international-insurance-premium-mugged-personal-belongings-stolen-police-crisis-claim-76991/

Q:I have purchased a cruise, in full, that was to take place in Feb 2021. However, it has been adjusted to a land based trip, in May. Is there any way to get travel insurance now, in case we are not able to travel at that time or it gets cancelled due to Covid or other reasons?

A:
When you say cancelled due to COVID, it would have to be you getting sick enough from COVID that your doctor certifies that you can't travel. Cancellations for other COVID related reasons that affects mass population, you feared of going etc. are not covered. Cancel for any reason travel insurance is not available to you at this time. You can look at travel insurance plans.
{{currentOrigin}}/answers/vacation-insurance/insurance-for-cruise-adjusted-to-a-land-based-trip-gets-cancelled-due-to-covid-or-other-reasons-79243/

Q:My parents have palnned to visit the USA for a 6 months duration. It has been a month since they t recoverd from the covid-19. Adding to this they have pre-exsisitng heatlth conditions - sugar and bp. can you suggest a plan from teh health insurance

A:
We would recommend looking for a plan in the COVID-19 Travel Medical Insurance section of our website. These plans are designed to cover the new injuries and illnesses that manifest in the body after the effective date of the policy, They will not cover the pre-existing conditions, preventative or routine care. The plans in this section include coverage for COVID-19, meaning they will cover the illness as long as it were to manifest in the body after the effective date of the policy. Should you have additional questions you may also call our office at (866) 467-8289.
{{currentOrigin}}/answers/visitors-medical-insurance/covid-19-travel-medical-insurance-with-coverage-for-pre-existing-medical-conditions-36462/

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.

Learn More

Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More