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Ask Our Specialists

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

Q:My son is starting Level 7 vocational training with San Francisco Ballet School and we are looking for medical insurance coverage that will be compatible with this. He previously had your platinum policy for his 4 week summer intensive at SFBS in July/August and wanted to check whether this would be compatible for year round study there?

A:
Platinum plan he had earlier will not work for him now. You can purchase Ballet Dancing-insurance need to take Athletic sports and Hazardous activity rider. Select the option based on the activity.
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Q:My husband has prostate cancer and is controlled by medication. Otherwise healthy. Will he be covered by the pre-existing health conditions for any acute and unexpected incident relating to this?

A:
Issues realted to cancer would not fall under acute onset benefits as issues with cancer are expected. Acute onset benefits are sudden unexpected emergencies that come on without symptoms or warning, rapidly progressing and treatment must be within 24 hours. If you have any additional questions, please let us know.
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Q:what is the cost of purchasing just trip interruption insurance for a trip to and staying in Dominican Republic costing approx 6000 or is that included with trip cancellation and unable to be purchased separately? ie if you have arrived and need to lose pre paid resort stays and prepaid money and also rebook earlier flights back home for example.

A:
It is not possible to purchase trip interruption benefits separately. You can run quotes for our trip insurance plans through this link: /travel-insurance/ Also, be advised what you have stated below is not what a trip interruption benefit would cover. Trip Interruption benefits can provide a one way economy ticket back to home country for named reasons. For example an unexpected death of an immediate family member or destruction to your principle residence. Under each plan will be a link for Certificate Wording. That is the legal binding policy. We would recommend reviewing the plans Trip Interupption benefit for whichever plan you are interested in to be sure you know what that benefit would cover. If you have any additional questions, please let us know.
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Q:Does the insurance cover flight reschedule because of medical issues?

A:
Your policy is a travel medical insurance and not a trip insurance and therefore does not provide that type of coverage. You can contact your claims department directly to verify based on your specific situation. Their contact number would be located on the ID Card. If you have any additional questions, please let us know.
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Q:I am about to study in the US on an F1 visa programme. My university insists upon a health insurance policy that provides unlimited coverage against all ACA essential benefits and on this basis declined my waiver request for the ExchangeGuard Choice policy with a 500,000 limit.Do you think the university policy is fair and reasonable and do you offer any unlimited coverage plans?Many thanks,

A:
Many schools require those types of benefits, however, we do not offer ACA compliant plans. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/f1-visa-insurance/study-f1-visa-university-health-insurance-policy-unlimited-coverage-aca-benefits-82377/

Q:I tested positive for Covid on a cruise and had to quarantine in my room for 5 days of the 7 day cruise. Will my trip insurance pay for my "unused" 5 days of cruising?

A:
Benefits are plan specific. However, while some plans will cover a trip delay, they will not cover if something happens during scheduled trip dates, only if the dates of travel go beyond the initial trip dates due to a covered reason. You would want to contact your plans claims department to advise of your specific situation to verify coverage. Their contact information would be available to you through your policy documents. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/holiday-insurance/tested-positive-covid-cruise-quarantine-trip-insurance-81079/

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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