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Ask Our Specialists

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

Q:What is the time frame for purchasing travel insurance after purchasing my plane tickets? In other words, when is it too late to purchase travel insurance?

A:
If you are wanting to insure the non-refundable portions of your trip with a Trip Insurance plan, it is recommended to purchase as soon as you make your initial down payment for your trip. However, you can purchase this insurance at anytime before the departure date, though if anything is already happening that would prevent you from going on your trip, it would not be covered. This type of insurance is only available to US residents. If you are looking for medical insurance for Travel Outside U.S.A. you are welcome to purchase that at anytime. If you have any additional questions, please let us know
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Q:Yesterday I went to ED, I was told there that my check up it will be automatically charged to my insurance account. Is this true?

A:
How a provider handles the billing process will always be up to them. If they decide to directly bill the insurance, they can do so. If you have any additional questions please let us know.
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Q:Hi my inlaws are 71 and 72 years old. I see there is acute preexisting benefit but for people below 70-years. Is there any coverage for pre existing condition for seniors above 70 years?

A:
Yes, if you are looking for the Acute onset of Pre-existing Conditions for ages over 70, it is recommended to choose either Safe Travels USA Comprehensive or Atlas America. Safe Travels USA Comprehensive offers an acute onset benefit of $35,000 ($15,000 for cardiac or stroke) for ages 70-89. Atlas America will offer the acute onset benefit to the policy max for ages <80. It is advised to run a quote in the Visitors to U.S.A. section of the website to see what plans are available to you.
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Q:Should a person who entered USA in last 30-40 days with a Green card apply for "Visitor to USA" or "Visiting with Green Card" or "New Immigrants" program ? They plan to stay in USA for 6 months and home country for 6 months although they have Green card

A:
If someone is staying in the U.S. for 6 months and then returning to their home country for 6 months, and so on, you would want to find a plan in the Visiting with Green Card section. /green-card-holders-visiting-usa-insurance/ Please let us know if you have additional questions.
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Q:My mother who is 69 years old is going to travel to NJ on her green card. She is a cancer patient. Can she get Medicare in the state?

A:
We are not able to tell you if your mother is eligible for Medicare in her state. You can take a look at our article on Medicare Eligibility for New Immigrants who are Green Card Holders. It would be advised to check HeathCare.gov or contact a local insurance provider that deals in domestic insurance policies, as there are no plans on the market for visitors that will cover for cancer treatment. If you have any additional questions please let me know.
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Q:What type of insurance do you recommend for an Antarctic cruise? The insurance must include emergency evacuation in remote regions minimum of 200,000, evacuation and medical treatment.

A:
If you are traveling outside the US you can run a quote in the Travel Outside U.S.A. section of the website to see what plans are available to you. Patriot International Lite or Beacon International are just two of several plans that would meet the requirements you have outlined. If you have any 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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