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Ask Our Specialists

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

Q:If I need to cancel a flight do I call the airline or my travel insurance

A:
Thank you for contacting Insubuy. If you need to cancel a flight you will need to contact the airline. If you need to a claim under the policy for a loss such as trip cancellation, then you will need to file a claim for review and reimbursement of the non-refundable trip cost. You may review and buy Trip Cancellation Insurance plans on our website. If you have any additional questions, please let us know.
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Q:We'll be traveling as a family (parents and kids ages 16 and 18 and seniors both ages 78) and if one of the kids or seniors gets COVID and is not allowed to fly. Will a parent be allowed to stay with the infected person and be covered under the travel insurance even though they don't test positive? We don't want to leave the 16 or 18 year old or senior alone in a foreign country.Thank you.

A:
Thank you for contacting Insubuy. In order to file a claim under the trip delay benefit in the policies the insured person must have supporting documentation from either the governing authority or medical provider stating they must quarantine. If you choose to stay with out such documentation, then you are unable to file a claim for this benefit. If you have any additional questions, please let us know.
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Q:What is the co-payment for a doctor visit?

A:
There isn't a copay concept in visitors insurance. With this plan you have your deducible which is $1,000, then the plan pays 100% for any covered medical expenses up to the policy maximum which is $100,000. If you have any additional questions, please contact our office at +1 (866) INSUBUY 467-8289.
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Q:Which of the following plans :PATRIOT AMERICA LITE, PATRIOT AMERICA PLUS ATLAS AMERICA cover trip' cancellation or delay fees due to "TEST POSITIVE PRIOR TO DEPARTURE"?

A:
None of the options you have mentioned would include such coverage. If you are looking for such coverage, you may view and quote the applicable plans in the Trip Insurance section of the website. Should you have additional questions or need further assistance, you may also call our office at +1 (866) 467-8289.
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Q:Should I get Dental coverage too? What is the best coverage for someone visiting the USA for six months? Basic coverage, not too expensive.

A:
We do not offer dental insurance as dental insurance is not usually available to visitors. We do have a dental discount plan that you can review here: /individual-family-dental-plans/ If you have any additional questions, please let us know.
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Q:If travel planned cancelled by visa rejection. Will flight cancellations amount will be refunded?

A:
Visa rejection or denial is not a covered reason for trip cancellation under any of the plans. If you have additional questions, please let us know.
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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.

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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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