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Ask Our Specialists

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

Q:I have been denied coverage for medically-necessary surgery from my international insurance (Cigna) due to a preexisting condition. Since I am a US citizen (New York), with a NYC address, I am considering purchasing an ACA compliant policy, so I can get the surgery there instead of paying for it in Panama, where I live full time. Can I? Is this allowed?

A:
Unfortunately there is not an insurance we offer that will cover you for any known procedures that you must have. Additionally, we do not offer any plans that are ACA compliant. If you are asking, in general, if this is allowed, we can only advise on plans that we offer. I would suggest speaking with a domestic insurance provider for more information on that. If you have any additional questions please let us know.
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Q:which company/companies provide comprehensive visitors insurance plans for a visitor to USA and Canada for a period of about 35 days. required for a couple visiting usa and canada in July august period

A:
Most plans in the Travel to U.S.A. section will cover you anywhere outside your home country. To filter the plans when running a quote, under Coverage Area, you should choose "USA and During Travel" or "International Including USA" to insure that the plans that show up will also cover you in Canada. This will not affect the price of your premium. If you have any additional questions please let us know.
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Q:I am flying on 11th Aug on F1 visa want to take travel insurance

A:
If your school has any requirements for insurance it is recommended to call our office for assistance. If there are no requirements, you may run a quote in the Students (F1/F2) section of the website to see what plans are available to you. If you have any additional questions you may call our office at 1(866) INSUBUY. (4678289)
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Q:My son who is a US citizen and is 18 yrs of age but currently living with us in India. He is coming to a college in Washington for his studies, I need to get insurance for him, can you advise how do we get it.

A:
As a US citizen going to school in the US, they would have to purchase domestic insurance either through the school they are attending, or on the Medicare Exchange. They would not be eligible for any plans for student or visitors traveling to the US. If you have any additional questions please let us know.
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Q:can a foreigner working in USA buy insurance for overseas trips

A:
Yes, you are able to purchase insurance for coverage outside your home country. Your "home country" will be where you primarily live and work. If you would like to run a quote you can visit the Travel Outside U.S.A. section of our website. If you have any additional questions please let us know.
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Q:I will traveling for 6 months but I don't know my destinations yet. Is the list I provide when buying the policy final? Will I only be covered in the countries that I list? Can I add countries as I make the decisions of where I'm going throughout the next few months?Thanks for your help!

A:
Plans in the Travel Outside USA section will cover you anywhere outside your home country except for some geographic restrictions for certain countries. With that being said, it is not necessary to put all the countries you will be visiting on your application. Additionally, yes, you will be able to make changes to your destination countries as long as the policy has not become effective. To find the geographic restrictions of an individual plan, you can click "view more" and select "geographic restrictions." If you have and additional questions please let us know.
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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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