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Ask Our Specialists
All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:My son and I are US citizens, but I live and work in Korea. I pay state and federal taxes and I think I might be considered a US resident, but I have been living and working in Korea and I plan to stay in Korea for a while. I am visiting the US for my 3 week vacation. I hear that many insurance companies do not cover US citizens visiting their home country even though they work and live in another country. I was wondering if I can be covered with insubuy with my current situation.
Q:I understand that for acute onset of pre-existing illness, the insured person must seek treatment within 24 hours. I found detailed explanations in insubuy website for acute onset or pre-existing illness and sudden recurrence of previous illness. But I could not find much about coverage for acute illness. How soon a insured person seek medical treatment for acute illness? For example the insured person falls, and after 2-3 days he/she develops pain in hand. Goes to a physician and it is found that he/she has a fracture and gets plastered or surgery. Will this claim be covered? Another example- a person is having fever for 3 -4 days, now develops cough and condition gets worse on 5th day and goes to see a physician in office. Will this visit be covered? Does a person have to seek treatment within 24 hours for all acute condition for insurance coverage? My concern is sometimes ( and in many cases often), symptoms gradually gets worse and he/she seek treatment when condition gets concerning.
Q:I have a travel insurance with CSA. We had to cancel our trip. CSA will reimburse us for the difference Quantas pays and what the ticket had cost. They will not reimburse us for the cancellation fee the travel agent charges. Is there anything I can do?
Q:I am an International Student (F1) at the University of Nebraska-Lincoln, and to waive their health insurance, one of the requirements is for the company to be US. Employer Based. Does this company fall into this category? Am I eligible to buy any insurance offered by Insubuy and waive the one from UNL?
Q:I have a question about Safe Travels USA Cost Saver Travel Insurance. it states that Deductible waived within PPO network pays 100% to policy max. So does it mean if I will use the hospital or doctor in PPO network I do not need to pay a deductible. the only time I will pay the deductible is if I am using out of network hospital or doctor. is that correct?
Q:I'm looking for health insurance coverage for my stay in the US from Jul 29 - Sept 13. I'm 22 years old and will be on a B1 visa. The insurance plan must satisfy the following requirements: - Medical benefits of at least $100,000 per accident or illness. - Repatriation of remains in the amount of $25,000. - Expenses associated with the medical evacuation to his or her home country in the amount of $50,000. - A deductible not to exceed $500 per accident or illness.
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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.
Learn MoreWhy buy insurance from Insubuy?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling 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 MoreNew 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 MoreGoing 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 MoreAre 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 MoreTraveling 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 MoreTraveling 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 MoreInternational 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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