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Ask Our Specialists

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

Q:Hi there, I have got this requirement from the Thai authorities and would like to know if you can both cover and what the price for 150days will be?Requirement: Health Insurance Certificate that will cover all expenditures of treatments, including COVID19 worth at least 100,000 USD.Thanks for your quick reply! (as I have to travel in beginning of December)Best rgs,Jan - 47 91863153WhatsApp: ID is Jaby66

A:
You can purchase Thailand visa medical insurance Once you purchase the insurance. You can send us the form given by Thai Govt. Our Compliance dept. will sign and send it to you by e-mail.
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Q:My fiance is migrating to U.S.A. She needs health coverage prior to departure from her home country. What health coverage should we purchase for her until she is covered by my U.S. health plan policy?

A:
You can purchase New immigrant insurance as long as her primary residence country is outside USA
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Q:Hi What happens if one contacts corona or another disease and has to be hospitalized (assuming he was hospitalized before the insurance expired but has to stay in the hospital for a period after the insurance expires)?Does the insurance company pay the doctors and the hospitals directly or we have to pay and get reimbursed?Are these very reputable insurance companies?Can I call anyone to insure 3 people? ThanksDanny

A:
Most travel insurance plans have a concept of 'Benefit Period', during which the insurance would continue to make the payments for the medical issues that started while the insurance was effective but needs continued to treatment after the expiration of the policy. Additionally, you can also consider extending the policy as most plans are extendable. Yes, all the companies we represent are rated A- "Excellent" or better by A.M. Best. You can call our office at +1 (866) INSUBUY or +1 (972) 985-4400 during our regular working hours from 8 AM to 9 PM Central Time, seven days a week.
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Q:Hi,I'm a Canadian citizen travelling by automobile through USA with destination in Mexico. I'm interested in purchasing a health care (medical) travel insurance. My stay will be up to 2 years, then I'll return to Toronto, Canada.Could you please advice in the type of insurance that should I purchase and how long should I purchase the insurance prior travelling, you know just in case, if I need to sign a form or receive mail. On the other hand, do you have an office in Toronto, Ontario, Canada so I can't eat faster with them.Thanks,Alex..

A:
You can consider purchasing Patriot America Plus Insurance which you can have for 2 years and will cover both in USA as well as in Mexico. You can call our office at +1 (866) INSUBUY or at +1 (972) 985-4400 during our working hours, 8 AM to 9 PM Central Time, seven days a week.
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Q:Will this insurance reimburse for loss of accomodation payments due to any Covid-19 issues?

A:
Trip cancellation insurance does not coverage cancellation for fear of COVID. If once was to contract the virus and it is determined by a medical professional (documentation is required) that they are not fit to travel they could cancellation under the plan as this would be considered a cancellation for sickness. Some Trip cancellation insurance plans will offer an optional benefit for Cancel for any Reason. Travel LX, Safe Travels First Class and Safe Travel Voyager would allow one to cancel their trip and receive 75% of the non-refundable trip cost. This benefit would have to be purchase with 10 or 20 days of the initial trip deposit to be eligible to purchase. One would be allowed to cancel for any reason and that can include cancellation for COVID related reasons.
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Q:If we had to cancel travel due to COVID-19 for any reason (one of us getting the virus, or travel bans being imposed due to the epidemic) do any travel insurance plans cover the cancellation and refunding of the trip?

A:
Trip cancellation insurance does not coverage cancellation for fear of COVID. If once was to contract the virus and it is determined by a medical professional (documentation is required) that they are not fit to travel they could cancellation under the plan as this would be considered a cancellation for sickness. Some Trip cancellation insurance plans will offer an optional benefit for Cancel for any Reason. Travel LX, Safe Travels FIrst Class and Safe Travel Voyager would allow one to cancel their trip and receive 75% of the non-refundable trip cost. This benefit would have to be purchase with 10 or 20 days of the initial trip deposit to be eligible to purchase. One would be allowed to cancel for any reason and that can include cancellation for COVID related reasons.
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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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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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