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Ask Our Specialists

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

Q:For Kiran Gupta, she got a tdap vaccine on 04/13/2022 from IU Health Urgent Care which is an First Health In network provider. The urgent care charged 70 for the vaccine. Please let me know how can I file claim for the same.

A:
Plans for visitors do not cover for preventative care and vaccines fall under preventative care. For any type of preventative care, you would need to pay out of pocket. If you have any additional questions, please let us know.
{{currentOrigin}}/answers/international-travel-insurance/tdap-vaccine-vaccine-claim-46925/

Q:Hi I am coming to the US on a K1 visa and will apply for an AOS soon after entry into the US. I am not able to be added to my husband's insurance. While we are not planning to conceive for the first 2 years I am worried about what would happen IF I got pregnant. Am also worried about how much it would cost to go to the doctor if I got a cold or something. How are doctors visits covered?

A:
There is not an insurance that will cover the cost of delivery or maternity related expenses that could be offered outside of a domestic plan. It would be best to wait until you can enroll into a plan that would cover the cost of doctors visits, delivery and any related costs. Otherwise, you would just have to pay for these costs out of pocket as there is not a short term plan that would cover these expenses. In order to determine what these costs would be, you would have to research the doctors in your area and call around inquire as a self paying patient as these prices will differ from state to state.
{{currentOrigin}}/answers/new-immigrant-medical-insurance/k1-visa-if-i-got-pregnant-am-also-worried-about-how-much-it-would-cost-to-go-to-the-doctor-25235/

Q:If my travel insurance date ends on May 7, but I get Covid on May 6 and have to quarantine for 10 days, will I be reimbursed for quarantine costs if included in the original insurance plan?

A:
You will want to view and quote the applicable plans in the COVID-19 Travel Medical Insurance with Quarantine Coverage section of our website. Please read over the certificate wording for full information on eligibility and benefits. You may also call our office at +1 (866) 467-8289 for additional assistance.
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Q:If I purchase this insurance today (April 11th, 2022) for travel insurance to Portugal starting August 5th of this year but I end up canceling on May 5th of this year (before starting my trip) would I receive a full refund? My trip is scheduled to be 6 months but I want to be sure that I can get a full refund if I do not leave.

A:
Most of the Travel medical insurance are refundable before the effective date of the policy. But before you purchase any plan read the refund policy which you can find next to each plan.
{{currentOrigin}}/answers/international-travel-insurance/travel-insurance-to-portugal-refund-clarification-47562/

Q:question about coverage for heart condition- pre exsiting condition

A:
Insurance provides coverage for any new sickness or injuries which manifest after the effective date of the policy. It should not be related to any Pre-existing conditions or routine check up for pre-existing or preventive care However many plan provides coverage for Acute onset of pre-existing conditions.
{{currentOrigin}}/answers/international-travel-medical-insurance/question-about-coverage-for-heart-condition-pre-exsiting-condition-34926/

Q:MY TRIP WAS CANCELLED BECAUSE OF PASSPORT ISSUES. CAN I GET A REFUND ON THE INSURANCE I PURCHASED?

A:
You can submit your cancellation request through MyAccount.
{{currentOrigin}}/answers/holiday-insurance/my-trip-was-cancelled-because-of-passport-issues-can-i-get-a-refund-on-the-insurance-i-purchased-12139/

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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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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