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Ask Our Specialists

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

Q:Good day please I want extend my policy for 1 month more want can I do.

A:
Thank you for contacting Insubuy. Unfortunately trip insurance policies are not extendable. If you are needing medical coverage outside your home country to protect you from any new injury or new illnesses that could manifest after its effective date please see the below quote for more information regarding the plans available.
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Q:I have a question. I bought this policy the Safe Travels Outbound Cost Saver to meet the Germany Visa requirement. Can you let me know if the coverage I have chosen is correct? I have attached the coverage details.

A:
Thank you for contacting Insubuy for your insurance needs. The Safe Travels Outbound Cost Saver plan does meet the requirements for Schengen Visa purposes.
{{currentOrigin}}/answers/europe-travel-insurance/schengen-visa-requirement-germany-34263/

Q:I am an European citizen planning to spend six months this year in Virginia USA. I am interested in your insurance product Atlas America I have seen in your website that there are some geographic restrictions: Physical Presence at time of application unavailable: Maryland New York Washington. Could you please confirm me that the time of application refers to the moment when I stipulate the insurance contract and not to the potential moment in the USA when I could be ill? Or will I not be covered at all by the insurance plan in Maryland Washington New York? Thank you in advance kind regards

A:
Thank you for contacting Insubuy for your insurance needs. The Atlas America plan will cover you anywhere outside of your home country and in all 50 U.S. states. The geographic restriction is referring to the time of application you cannot be located in any of the mentioned places. If you need any additional assistance please contact our office.
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Q:I am a US citizen living in India. I would like to know if visitors medical insurance from Patriot America Plus is available for Guam.

A:
Thank you for contacting Insubuy for your insurance needs. The Patriot America Plus plan will cover you anywhere outside of your home country. So, if your home country is India and you are traveling and need coverage in Guam.
{{currentOrigin}}/answers/visitors-insurance-usa/us-citizen-visiting-insurance-85568/

Q:We have recently arrived and planning to stay in USA for few months at least. Not sure what the criteria is for eligibility of domestic insurance.

A:
Thank you for contacting Insubuy for your insurance needs. There is a plan called Patriot America Plus that is available to new immigrants for coverage. If you have any additional questions please contact our office.
{{currentOrigin}}/answers/new-immigrant-medical-insurance/new-residents-plan-insurance-50944/

Q:I am interested in the ExchangeGuard Choice plan, though I am still in conversation with my school with regards to pre-existing condition of 6 months waiting period.

A:
Answer for your questions below: 1. PPO network link for ExchangeGuard Choice plan /travel-and-student-insurance-ppo-network/ 2. As long as you are on J visa or max. up to 1456 days. 3. Means insurance will pay for assistant surgeon 20% of primary surgeon charges. We have confirmed with claim dept. that 20% for assistant surgeon is enough. Assistant surgeon can not charge as primary surgeon. Most of the time primary surgeon request for assistant surgeon in advance but they want on standby availability then insurance will not pay for it. 4. Most of the time if you go in the network hospital send bill directly. You still need to file claim form that will give authorization to the claim dept. to release medical records from hospital. Please read claim overview article at /international-health-insurance-claims/ Please read #3 file a claim form and click on WHY? Please read plan details at /exchangeguard/student-medical-insurance.pdf Please feel free to contact us if you have any additional questions.
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/school-pre-existing-waiting-period-30929/

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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