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Ask Our Specialists

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

Q:I am in an HMO in Ca. I will be visiting Florida for 4 months. Can I purchase a short term medical coverage while I am in Florida

A:
Short Term plan is based on your residence state. Are you a U S Citizen or Non US Citizen? US Citizen Short Term Health insurance Non US Citizen Short term medical insurance
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Q:My dad is already in the USA and his travel insurance has expired because of COVID and he is looking to buy a new plan. Is this something you can support given he is already in the US? I'm looking for a comprehensive plan for 3 months of coverage. Can you please recommend few plans.

A:
You can purchase visitors insurance for your father which provides coverage for COVID-19 as any other sickness as long as he is infected after the effective date of the policy. You can filer plans or narrow by with COVID-19 coverage
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Q:My family is going to Hawaii in September from California. I want a travel insurance policy that allows us to cancel for any reason - most specifically, should the resort we plan to stay at close down due to a further outbreak of COVID-19. Do any of your policies cover this?

A:
Please find Trip cancellation insurance You can narrow by or filter plans by checking Cancel due to COVID-19 option cancel for any reason insurance you have to purchase within 10 days of initial trip deposit.
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Q:Am I covered for COVID-19 related medical treatment under "Safe Travels USA Comprehensive"?

A:
There is no specific exclusion for COVID - 19 on the Safe Travels USA Comprehensive plan . It will be covered as any other sickness. It should not be related to any pre-existing or preventive care.
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Q:Do I have any recourse of the following: I cancelled a trip in May due to medical issues. Because of the coronavirus pandemic, airlines and resorts offered vouchers. I informed the travel insurance I didn't want a voucher because I now have significant health issues (non-Covid) and don't know when/if I will travel. I was assured I would be reimbursed and they would work out the voucher issue. Today my claim was denied because I was issued vouchers, and provided this from the policy:The policy defines the following: Unused means the Insured's financial Loss of any whole, partial or prorated prepaid nonrefundable components of a Trip that are not depleted or exhausted.

A:
Please contact our office directly for assistance with your specific plan needs. You can reach our office at (866)INSUBUY.
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Q:My wife, 2 daughters, and I are considering traveling to Turks and Caicos for vacation. If we travel we are required to provide proof of Travel Medical Insurance including "COVID-19 Medical Repatriation". Do any of your policies include the COVID-19 Medical Repatriation? If yes, specifically which policy / policies include this coverage?

A:
The plans that offer such coverage can be found in the Travel Outside USA section of the website. One specific plan that has coverage for COVID-19, if it were to manifest after the effective date of the plan, would be the Safe Travels Outbound Cost Saver plan. You may view the sample documents of the plan here. Should you have additional questions please let us know. You may also call us at (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.

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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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