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Ask Our Specialists

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

Q:Hey I am Michal from Europe, having J-1 visa, in two weeks coming to USA,MINESOTTA. For 10 weeks period, I am looking for insurance which will cover corona difficulties such a hospitality or when I get affected insurance will take care of everything... is that possible ?

A:
Hello Michal, Thank you for contacting Insubuy for your insurance needs. The plans available on the market will cover the new illnesses and injuries that manifest after the effective date of the plan. The ExchangeGuard and Student Secure plans have no exclusion related to COVID-19, meaning if it were to manifest after the effective date it would treated as any other eligible expense. Do you keep in mind that if you have any additional requirements other than what is standard for the J1 visa that we can also look at other options, but based of the request for a plan with COVID coverage these are the recommended plans. You may read more about the plans with COVID-19 coverage here. Should you wish to view other options and get quotes, you may do so in the J1/J2 Visa Exchange Visitor Insurance section.
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Q:If I take visitors insurance, will it cover for medical expenses incurred during travel and transit as well?

A:
Thank you for contacting Insubuy for your insurance needs. A majority of the plans will cover anywhere outside of your home country. When you are filling the quote screen information for coverage area you would want to select "USA and During Travel" or "International Including USA" and it will populate the plans that will cover you medically anywhere outside your home country. You may view plans and get quotes here.
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Q:Please let me know a travel medical coverage which cover up to a million payable and also can cover for coronavirus testing/treatment. Medical insurance should also account for pre existing conditions, new medical conditions, physician visits/preventive check-ups, prescription drugs,specialist visit, hospital admission, intensive care unit, surgery,emergency and urgent care

A:
Thank you for contacting Insubuy for your insurance needs. The plans available on the market for visitors are designed to cover the new illnesses and injuries that manifest after the effective date. There is no plan on the market which covers pre-existing conditions, preventative or routine care. One option that would be suitable will be the Safe Travels USA Comprehensive plan. Not only will it cover the new things that manifest after its effective date, but also has no exclusion related to COVID-19. Were it to manifest in the body after the effective date of the plan it would be treated as any other eligible expense. The plan also has the benefit for the acute onset of pre-existing conditions within the plan that could serve as beneficial to you. You may read more about it here.
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Q:my sn is on Parole visa can he take medical insurance for one year

A:
You would want to purchase a plan for him from the New Immigrant section of our website. The plans will cover for new illnesses or injuries that manifests after their effective date. Please let us know if you have additional questions
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Q:I had purchases Safe Travels USA Comprehensive, is this a plan that can cover CoVid? I do have a layover but I will not be in any countries presently categorized as risky places.

A:
Thank you for your business with Insubuy. The Safe Travels USA Comprehensive plan is designed to cover any new illness or injury that manifests after the effective date of the policy. If COVID-19 were to manifest in the body after the effective date of the policy as determined by the attending physician notes and lab report it would be treated as any other eligible expense.
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Q:How can I find out what pre-existing conditions would be covered within New Immigation Insurance plans with specific reference to the Acute Onset of Pre-existing conditions mentioned on some of the plans.

A:
The Acute Onset of a pre-existing condition is defined as follow: There will not be a list of covered ailments or situations. An "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a Pre-Existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires immediate care. The Acute Onset of a Pre-Existing Condition must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatments existent or necessary prior to the Effective Date of coverage. Provided the expense meets this definition and is supported by medical documentation and notes from the attending physician it could be covered.
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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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