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Ask Our Specialists

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

Q:I have come to the US from India. I suffer from diabetes and hypertension. I recently had an episode of cerebro vascular accident. Unfortunately I am not able to return to India due to the lockdown in India and international flights not being allowed to land there. Can I get an insurance cover for the next two months covering the preexisting conditions through you?

A:
Insurance for an international visitor provides coverage for any new sickness, injuries or accidents which may occur after the effective date of the policy. It will not cover any pre-existing or routine maintenance for pre-existing conditions or preventive care. Visitors insurance plans
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Q:Can Insurance premium charge monthly for longer coverage duration?

A:
In short term plans, buying and paying is the same thing. If you want to purchase the insurance for six months, you need to pay for six months upfront. Alternatively, you can purchase for one month and extend the coverage month by month as most plans are extendable. Several plans charge $5 extension fee.
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Q:I am currently am in France, and due to the confinement, I am unable to return to the US for the near future. Will Schengen Insurance cover a purchase of contacts for my eyes?

A:
No. That is not a covered expense. Schengen visa insurance is meant for generally any new medical conditions, injuries or accidents that may occur after the effective date of the policy. Vision expenses such as contact lenses are not covered.
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Q:My parents are in Florida and may need medical insurance. They have travel insurance until April 24. They may stay for another month in hopes that things get better by then. They're ages are 70 and 71. My friend got 250k limit with $250 deductible which works for my parents. Can you help me?

A:
Thank you for contacting Insubuy for your insurance needs. Based on the information provided below we would recommend the Safe Travels USA Comprehensive Insurance. For your parents ages, this plan will offer a maximum of up to $100,000. Please use the link provided below to view the plan details and purchase. You may also purchase over the phone by contacting our office e at (866) INSUBUY.
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Q:I have bought Patriot America plan on Feb 21, effective starting Feb 22 to Apr 26. I need to renew my insurance for a few more months due to the travel restrictions in place due to Covid-19. Will the renewal of my insurance cover any Covid-19 treatment, since my original plan did cover it?

A:
As you initially purchased the insurance before March 27, 2020, it was effective before March 27, 2020, the person entered the US before March 27,2020, the Patriot America plan will cover COVID-19 treatment just like any other new sickness that occur after the effective date of the policy. That is true even if you extend the policy.
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Q:Hi, My fiance entered USA on work visa. His visa expired and he didn't return back to Serbia because we are planing to get married. My attorney said he need to have health insurance. Which one?

A:
You can check out Finance visa medical insurance.
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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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