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Ask Our Specialists

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

Q:I am travelling to the US on a h2b visa what are my options for medical/travel insurance

A:
for people on H2b visa If you can enter your information in this link we can quote you all of our available plans, H visa short term insurance: /new-immigrant-insurance/
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Q:I need to buy insurance from 02012025 to 01312027 for my postdoctoral appointment on j1 visa and my dependent j2 visa for Medical Evacuation and Repatriation kindly suggest me process as I am not able to buy it from insubuy website.Thank you

A:
If you are unable to purchase from the website we recommend you call us. an agent can take your information and recommend a plan that you are eligible for. you can call us at (866) 467 8289.
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Q:My parents are coming for a visit here in USA, my dad is 75 yrs. old has type2 diabetes, he manages his own diet and pills. My mom is on hemodialysis 3 times a week. Will both of them be covered with this insurance if I will purchase? Thanks.

A:
The plans are designed to cover for new illnesses or injuries that did not exist in the body before the start date of the policy, They are not meant to cover general treatment for pre-existing medical conditions like routine hemodialysis. You can still purchase the plan in case they get sick or injured here in the US.
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Q:If my client purchases medical insurance with your company and gets sick on board the ship would they have to pay out of pocket?

A:
The billing method would depend on the physician and the cruises policy. The insurance is always willing to direct bill the provider.
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Q:I am travelling to US and also to Bora Bora. I fly to US, then I go to Bora Bora, back to the US, and finally back to Brazil. How do I know if the insurance I choose will cover me in Bora Bora ?

A:
When you make a quote choose a plan whose description in the View more section says "Covers anywhere outside the home country".
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Q:Hi,My father has blood cancer, diabetes and history of stroke. He is fit to travel at this point. Do i need a pre-existing insurance type for him? Hopefully, we will not go to hospital however for any emergency situation, say if we have to take him to hospital then will it be covered ? could you please explain few scenarios considering, pre-existing vs non-pre existing plan? emergency situation, like heart issue/stroke ?

A:
The plans that cover pre-existing condition are meant to cover for unexpected incidents that happen during the travel. Expected, routine maintenance of a condition or preventive care are not covered under these plans.
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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.

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