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Ask Our Specialists

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

Q:I had to go to urgent care with a back pain. the urgent care stated they will bill the insurance company. do i sill need to file a claim?

A:
Yes, you will want to file a claim after every use of the insurance to keep track of the claims on the policy. You may view and complete the claim forms for the Patriot America Plus plan here. Should you have additional questions please let us know. You may also call our office at +1 (866) 467-8289.
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Q:Let say if the patient has blood pressure issues and he is taking medications prior to the travel as well as after coming in to US. Doctors did not prohibit him from traveling. What if the patient experiences a very high spike in blood pressure and his vitals start getting abnormal and he needs ER visit? Will it be covered? Also, please note that when a patient is taking blood pressure medications, this does not mean, that he can have very frequent spikes in blood pressure but he is "potentially" at risk of having very high blood pressure spikes. So there is no guarantee that when the patient can have blood pressure spike. He might have it right after few days of buying insurance or he cannot have it at all. .So what is your policy on that about covering ER visits for such a patient?

A:
All the plans on the market are designed to cover the new illnesses and injuries that are contracted after the effective date of the policies. They will exclude the coverage for pre-existing conditions, preventative and routine care. With regard to your situation described, it would be determined at the time of service if such coverage would be available. The only way something such as this could be covered would be under an acute onset benefit. The claims department would review the attending physician notes and lab report from the time of service to determine if the situation would fall under the applicable coverage in the certificate wording of the plan. Should you have additional questions you may also call our office at +1 (866) 467-8289.
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Q:We will arrive july 31 for 7 days. Do we need insurance?

A:
If you are needing medical coverage for the destination you are traveling to you may view and quote available plan in the COVID-19 Travel Medical Insurance section of our website. For additional questions you may also call our office at +1 (866) 467-8289.
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Q:I need to extend for a week or so, but potentially, I may want / need to extend again for a little longer. Can I extend more than once?Thanks for the info.

A:
The Patriot America Plus plan can be extended for a duration up to 2 years. There is not a limit to the number of times you extend, just the duration. You may view the extension rules here. 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:I anticipate going to the U.S. for a back operation not available in Canada. My complete stay will be 3-4 weeks. How much will it cost and what else should I know? I will have a companion with me.

A:
This is something you would want to verify with the medical professional directly as the visitor insurance plans on the market will not offer such coverage for expected illnesses/injuries. They are designed to allow the coverage for the new illnesses/injuries and exclude coverage for pre-existing conditions, preventative and routine care. Should you have additional questions you may call our office at +! (866) 467-8289.
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Q:Does the insurance cover Covid-19 Test?

A:
Thank you for contacting Insubuy for your insurance needs. There are numerous plans, such as the Atlas America plan which allow the coverage for COVID-19 as long as it were to manifest in the body after the effective date of the plan. Keep in mind that it will only allow the coverage for COVID testing if it were deemed medically necessary. For example, COVID-19 testing for travel purposed would be excluded from all plans on the market as it would be considered elective testing. The insurance company will review the attending physician notes and lab results from the time of service to determine if the test warrants coverage according to the certificate wording of the insurance plan. Should you have additional questions or need further assistance you may also call our office at +1 (866) 467-8289.
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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.

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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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