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Ask Our Specialists

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

Q:If we rent a vacation home but COVID becomes a bigger concern for us, will we be able to get our money back.

A:
The only way insure the total non-refundable trip cost in this case would be under a Cancel for Any Reason benefit. Plans with these types of benefits have certain criteria to meet such as being purchased within a certain number of days from the initial trip deposit. This factor is dependant on the plan. You may view plans and get quotes for Trip Insurance here. It may also interest you to read through COVID-19 Travel Insurance.
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Q:I am an American citizen, residing in South Carolina and driving to Florida in July 18th 2020. Can I get coverage for reimbursement of my Airbnb condo fee if the state of Florida closes the beach prior to or during my stay of a week? I will be driving my personal vehicle to and from SC - FL.

A:
Thank you for contacting Insubuy for your insurance needs. There are numerous Travel Insurance options available. The only possible way for a plan to cover the the cost of your Airbnb in the scenario mentioned would be with a cancel for any reason benefit. These benefits typically will only refund 75% of the total non-refundable trip cost and must be purchased within a certain number of days from the initial deposit date to be eligible. You may view the available plans and get quotes for trip insurance here.
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Q:I see that sports related injuries are excluded. Is hiking/camping regarded as a sport under your policy?

A:
In order to better assist you we would need additional information on the type of coverage you are looking for. Are you looking for coverage for within the US or outside of it and are you referring to a specific plan? Should be looking for coverage based on a specific activity you may find helpful resources here. All the plans are meant to cover new illness and injuries that manifest after the effective date of the policy. With regards to coverage specific to hiking or mountaineering you may want to look here for additional information. Should you have additional questions or wish to speak with any of our licensed representatives you may reach us at (866) INSUBUY or (866) 467-8289.
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Q:We would like to travel to the USA from Norway this summer. We are residents of Norway but all have American citizenship, however our travel insurance is currently not covering any medical expenses abroad due to Covid19. We would like to purchase a healthcare travel insurance policy in the event that anyone in our family had an accident or were to become sick with Covid. Does your policy cover becoming sick from Covid, were any of us to fall ill while on our trip? We are trying to visit my mother who is ill (not covid).

A:
Thank you for contacting Insubuy for your insurance needs. There are few options on the market that cover COVID-19 if it were to manifest after the effective date of the plan and even fewer options for US Citizens. It would be recommended to purchase a plan such as Diplomat America, which will cover COVID-19 as it would any other new illness or injury should it manifest after the effective date of the plan. Should you have additional questions please let us know.
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Q:Do you offer any travel insurance that will cover Covid-19 for US citizens who want to travel to Europe?

A:
There is no specific exclusion for Coronavirus on the Safe Travels Outbound Cost Saver plan . It will be covered as any other sickness. It should not be related to any pre-existing or preventive care.
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Q:Cashed my credit card points in Dec (before covid pandemic) to take family of 5 to london in July 4th weekend. I bought travel insurance for all. Airline has now cancelled flight to london because of covid. Can I make a claim under natural disaster?

A:
We would be happy to answer your questions however, we would need more information related to your specific plan. If you have an active policy purchased from Insubuy, please call out office at (866) INSUBUY.
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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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