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Ask Our Specialists

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

Q:Is 2000 in lodging covered

A:
Thank you for contacting Insubuy. There are several plans that will include coverage for the $2,000 in accommodation expenses. You may purchase either the Safe Travels Explorer, or the Travel Select plan. You may purchase these plans online or over the phone by contacting our office at (866) INSUBUY 467-8289. If you have any additional questions, please let us know.
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Q:Is a 59 year old who received a kidney transplant ten years ago and has had no medical issues since then insurable? Would that be considered a pre-existing condition?

A:
Thank you for contacting Insubuy for your insurance needs. The plans are designed to cover the new illnesses and injuries that are contracted in the body after the effective date of the plan. Visitor plans will exclude the coverage for pre-existing conditions, preventative and routine care. You will still be insurable, however, they only way such thing could be covered would be under an acute onset benefit. Please review the certificate wording of the specific plan you are viewing to help make your determination and to fully understand the benefits of the plans. Should you have additional questions or need further assistance please let u know. You may call our office at +1 (866) 467-8289.
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Q:What's the difference between the safe travel international insurance And safe travel international cost saver . Is that affected for the age . I'm USA Canadian citizen ,( 57) my husband is Canadian citizen (65) both living in Canada ( home of residence is Canada) and going to Dubai from USA . What's the best of these two insurances better for medical illness and covid 19 coverage, treatment, repatriation and cancelation flight ?I need to take the best decision with the best one ..help me please to see what's the difference

A:
Both plans are available for your age groups. Either plan would be fine for you or your spouse and there are minor differences between the two such as higher limit in the reoccurrence benefit in the Safe Travels International. Should you have additional questions please let u know and we will gladly assist you. You may also call our office at +1 (866) 467-8289.
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Q:What insurance policies cover maternity for an F-2 dependent?

A:
We do not offer policies for an F2 visa holder alone that can provide benefits for maternity or pregnancy. We do have plans that if the F1 will be on a policy with the F2, that can provide some benefits for maternity or pregnancy, as long as the pregnancy begins after the effective date or after a specifced waiting period. Those plans can be found through this quote link from our website: /international-student-insurance/ If you have any additional questions, please let us know.
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Q:Hi, will it be possible and how easy will it be if we have to change the coverage start and end date in case we have to? Say the departure date is moved due to visa processing being delayed or due to Covid or else?

A:
Typically before the effective date of a policy you are able to make changes to the policy such as coverage dates, policy max and deductible. Should you have additional questions or need further assistance please let us know. You may also call our office at +1 (866) 467-8289.
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Q:Hello, I am from India and will be visiting the US for 6 months.I read the wording of the Patriot (img) plus policy. They say that covid is covered only if I am INFECTED after effective date.If I am infected with the delta variant during my flight, the disease comes on fast and severe. US doctors may determine that I was infected before I took the flight and therefore not pay for the medical expenses.I am happy to take a policy that will cover covid as long as they stipulate that new medical symptoms arise after effective date, but do not mandate that the infection should also have occurred after effective date.Is there any such policy?My trip is to start in about 18 days.Thank you

A:
Unfortunately, there is no such plan. All the plans that include the coverage for COVID-19 will have some sort of wording associated with what you have described. The infection must occur after the effective date. If it is proven that the infection were to begin prior to the effective date, it would not be covered as the plans only allow the coverage for new illnesses and injuries that are contracted after the effective date. Should you have additional questions please let us know. 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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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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