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Ask Our Specialists

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

Q:We will travel to Spain and Portugal. Spain : June 15th - 24thProtugal : June 24th - 27thWe're leaving from Spain to Portugal on Jun 24th. We already bought coverage for spain from June 15th - 24th. and We tried to buy another coverage for Portugal from June 24th - 27th. We got a error message that we already have existing coverage. I think the reason we got the error message is because of the coverage of 24th for spain. I want to buy coverages for spain and Portugal on June 24th at the same time. Please advise me Thank you

A:
Our plans cover multiple destinations. we advise you extend your original plan to also include spain.
{{currentOrigin}}/answers/international-travel-insurance/we-will-travel-to-spain-and-portugal-spain--june-15th--24thprotugal--june-34162/

Q:The insurance i got from Insubuy is not covering my dad's shingles outbreak, saying it is a pre-existing condition. I disagree with labeling it as pre-existing because it's not something he had before. Even if it is pre-existing, my coverage includes acute outbreaks of pre-existing conditions which this clearly is. However, the insurance company has denied it. Can Insubuy help me with my appeal since they sold me a product which is not delivering on what it promises on the label?

A:
Unfortunately we cannot assist with the the appeals process. we can only help if the insurance company is not responding in a timely fashion. If during the claims or appeal process, you run into that issue we advise you contact. us. We are a broker that compares plans from multiple companies and cannot get involved with general claim filing or appeals.
{{currentOrigin}}/answers/visitors-health-insurance/the-insurance-got-from-insubuy-is-not-covering-my-dads-shingles-outbreak-saying-it-is-a-preexisting-58006/

Q:I purchased Schengen visa insurance for Switzerland and France, Swiss embassy request wording on insurance as Schengen visa insurance which is missing

A:
You want to give them the visa letter that is available in your MyAccount.
{{currentOrigin}}/answers/europe-visa-insurance/i-purchased-schengen-visa-insurance-for-switzerland-and-france-swiss-embassy-30705/

Q:I am planning to buy insurance for my parents and I am wondering if I buy a limited coverage now and if needed can I purchase a comprehensive coverage later or I will lose the money I have spent on fixed coverage insurance plan?

A:
You can purchase a fixed plan that is refundable. You can cancel before the start date for a full refund if you change your mind.
{{currentOrigin}}/answers/visitors-medical-insurance/limited-coverage-now-and-if-needed-can-i-purchase-a-comprehensive-coverage-later-74555/

Q:Hello, I will be travelling on a J1 visa soon. I wanted to ask if you provide a certification form that the insurance plan that I will be going with (Patriot Exchange Program Medical Insurance) meets the requirement of the immigration office of the college I will be working at, given that it does meet them.Thank you.

A:
We offer a service to help you complete and sign the compliant form, should your school provide one. You can send the compliant/waiver form to [email protected] before purchase to review. You can also download the sample coverage letter here /sample-documents/patriot-exchange-program.pdf
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/hello-i-will-be-travelling-on-a-j1-visa-soon-i-wanted-to-ask-10979/

Q:Kidnapping Insurance for travel to Uganda for 2 weeks

A:
For kidnap and ransom Please fill out the form in the link provided below. Kidnap and ransom: /kidnap-ransom-and-extortion-insurance/ ;
{{currentOrigin}}/answers/other-insurance/kidnapping-insurance-for-travel-to-uganda-for-2-weeks-82331/
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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.