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Ask Our Specialists

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

Q:I have a non refundable airfare for 25th of July, unfortunately due to family reasons I had to purchase yet another fare for a few days earlier. I would like to know if getting an insurance with you would made it possible for me to get at least a partial refund of my ticket. I am a resident in the UAE of Polish nationality traveling from Milan to Warsaw. That's only a one way ticket.

A:
Thank you for contacting Insubuy. Trip cancellation plans are designed to cover the non-refundable trip cost for unforeseen events listed in the policy such as sickness, injury or death of the insured, adverse weather, natural disasters, etc. Unfortunately, the plans will not provide coverage in the event you know you will have to cancel a portion of your trip. If you have any additional questions please let us know.
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Q:Do you sell cruise travel insurance for Indian citizens. Europe cruises

A:
Thank you for contacting Insubuy for your insurance needs. Yes, there are trip cancellation insurance plans available which will provide coverage for an Indian citizen traveling outside of their home country. You may purchase a plan online or over the phone by contacting our office at (866) INSUBUY. If you have any additional questions please let us know.
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Q:I have a question on 'travel medical insurance' for US citizens living in India/abroad. The question is that does a US citizen living outside US and having Medicare Part A and Part B coverage, need or necessary to buy medical insurance during a visit to the US for a few months? I tried to post this question on your forum after registering today. But I couldn't figure out how to post. I would appreciate your guidance on this issue too.

A:
If you have Medicare Part A/B while in the US then you don't need additional coverage unless you want some of the travel benefits that are offered by a visitors plan. If you have additional questions please feel free to contact our office.
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Q:I came over with a fiance' visa, and just married my husband. I have to send in paperwork in order for a status change but that is going to take time and in the meantime neither myself nor my daughter have insurance and she is an infant. And we have both been denied from Medicaid. My husband doesn't have employer insurance, it's just himself. I arrived in January with my daughter.

A:
Unfortunately, based on the information you provided we don't have a plan that you and your daughter would be eligible for. You can contact the New Jersey state department of insurance to see if they have any plans they can recommend.
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Q:I am Shailesh an Indian national. I am undertaking Kailash-ManSarovar Yatra from 18th July to 7th August 2017. I am planning to take insurance fro the same. Please provide me the needed information for the same with a quotation. My DOB is 16-10-1959

A:
Thank you for your interest in purchasing insurance through us. Please find more information on Kailash-ManSarovar Yatra insurance We have sent you quote in a separate e-mail also. Please feel free to contact us if you have any further questions.
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Q:My Father : Age 73 Mother Age 76 gonna be travelling to USA on October 2 2017 till 24 December 2017. they will be visiting my brother in Kansas state who is doing PHD. and is in research field. If i want to insure them with 1,00,000 USD and even want to make sure that their pre existing condition which is hypertension ( Blood Pressure ) is covered up to 100%. They have been on medication and are currently fit and fine. But u never know if the advanced stage of problem hits or suddenly they fall ill due to their pre existing condition. can i get some such policy.

A:
Insurance for an international visitors covers for any new sickness, injuries or accidents that may occur after the eff. date of the policy. Insurance will not pay for any pre-existing or preventive care. However, some plan provides coverage for an Acute Onset of Pre-existing Conditions only at their age. None of the plans will pay for routine maintenance for the pre-existing conditions. Only one plan for age 70+ which provides coverage up to $25,000 for an acute onset of pre-ex and anything related to Cardiac conditions benefits will be only $15,000. However, overall policy max. will be $50,000. You can purchase two plans one for $100k for new sickness and other plan for $50K which has some benefits of an acute onset. Safe Travels USA Comprehensive Atlas America Please review the plan details, certificate wording and feel free to contact us if you have any further questions.
{{currentOrigin}}/answers/visitors-insurance-usa/health-insurance-visitors-to-the-us-pre-existing-conditions-coverage-81994/

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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