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Ask Our Specialists

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

Q:I wanted to inquire StudentsSecure Elite Insurance covers ADHD treatment?

A:
Student Secure plan excludes treatment of ADHD. It will cover new sickness, injuries or accident.
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Q:I got accepted to Keiser University in Florida and I am starting my online classes in April 2020. I will move to the US right after they open the borders, and as a international student I need a health insurance. I come from Finland and I am stuck in here until the boarders open again. The university studies will be at least 3 years and I am 21 years old. I compared couple of your insurances: Patriot exchange program and student health advantage standard. Could you tell me a little bit more of the differences between these two and what kind of insurance would you recommend for me?

A:
Thank you for your interest in purchasing insurance through us. Before, we suggest any plan would like know is there any insurance requirements from your school? If yes, please send us the requirements in pdf attachment. Meantime, please look at the student section here. Please enter appropriate criteria. You will find many plan and next to each plan you will see check box. Please check the box and compare the plans side by side.
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Q:I have a question about insurance coverage for corona virus related test/treatment/hospital bills. I am thinking of purchasing an insurance plan for international students with OPT F1 visa for my sister. She is from Busan, South Korea, but she has been in the states for the past 2-3 years (not visiting Korea during the period). In this case, I am just wondering just in case if hospital bills related to corona virus illness would be covered by the OPT international student insurances of your company.

A:
We would be glad to advise. The plans do not exclude the Corona virus unless someone's destination country has been issued a level 3 warning. Otherwise, the plans would treat as any other new illness. As long as the illness wasn't manifesting before the effective date of the policy, it could be covered up to the specific plan's benefits. If it was manifesting before the effective date, it would be deemed pre-existing and not covered. However, this situation is rapidly changing. Before making any decisions, please make sure to confirm the latest details with us first. If you have additional questions, please let us know.
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Q:If the visitor arrive US before the travel warning issued, do they still restrict by the exclusion? My parents arrive US from 1/16 when the insurance was purchased until now. As the US COVID pedantic get worse, not sure if the travel warning is issued .

A:
Thank you for contacting Insubuy. You may still purchase a plan for your parents, and most of the plan for visitors will provide coverage for the coronavirus if it manifest after the effective date of the policy. Please read our FAQ for more information. Coronavirus coverage in Visitors Insurance can be here.
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Q:I am emailing you with a question about coverage. My mother is a Canadian Citizen who has private Canadian health insurance plus supplemental coverage purchased for ex-pats to use while outside of Canada. She came to the US to be my caregiver while I recover from rotator cuff surgery. Now, due to the Coronavirus global pandemic, she can't get home for several months (flights have been cancelled by the airlines) and her existing ex-pat coverage expires around May 10th, 2020. I am information gathering to try to find a way to purchase a supplemental insurance plan for her for a month or two in the event that she can't get back to Canada until June or July. Does you company offer plans like that?

A:
Thank you for your interest in purchasing insurance through us. Can you please provide your mother's age, which state do you need coverage, her arrival date in US ,how long do you need coverage for her and will be glad to send you quote by e-mail? Insurance for an international visitor provides coverage for new sickness, injuries or accidents which may occur after the effective date of the policy. It will not cover any routine maintenance for pre-existing or preventive care and it will be secondary to any other benefits she will get from her current insurance. Coronavirus coverage FAQ can be found here. Please visit our Visitors to USA section. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please read certificate wording before you purchase any of the plan. Please feel free to contact us if you have any additional questions.
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Q:I am 22 years old and planning on going to Florida for 4 months to visit my relatives. Do you have insurance for me?

A:
In order for us to provide quote would like to know your visa type, arrival date, your country of citizenship, age, travel date, which state do you need coverage and will be glad to send you quote by e-mail. Insurance will pay for any new sickness, injuries or accident. It will not pay for any pre-existing or preventive care. Please visit our website at and go to appropriate section based on your visa. Enter basic information you will find many plans and you can also compare them side by side. FAQ on Coronavirus can be found here. Please feel free to contact us if you have any additional questions.
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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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