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Ask Our Specialists

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

Q:I am looking at the Safe Travels Elite plan. On the brochure, there are copays listed for each service. Are those copays my responsibility, or are they the amounts the insurance company will pay for those specific services

A:
That is how much the insurance pays. you are responsible for the rest.
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Q:I have a J-1 insurance and I need to get a chest x-ray, where should I go? And what should I do?

A:
You want to call the phone number on the back of your ID card. The benefits department can assist with where to go and who to contact.
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Q:"I am a J1 student, a 19-year-old male. I had surgery in January 2023 due to pneumothorax. Although the likelihood of recurrence is low, I want to get insurance. Would this be considered a pre-existing condition?"

A:
When making a quote we have a filter that can show you what plans also include coverage for pre-existing conditions, If you can enter your information in this link we can quote you all of our available plans, /student-coverage/?presection=exchange-visitor
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Q:Hello,I am an F1 visa holder on my STEM OPT status. Currently, I have a job position in the US and have my own health insurance through my job, but my wife does not have any insurance. Do you have any plans that my wife can choose independently?

A:
Yes F-2 visas can get indipendent plan through our site. If you can enter your information in this link we can quote you all of our available plans, /student-coverage/?presection=international-student
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Q:I took a visitors insurance for my parents thru insubuy yesterday. The address given in the policy was in sisters home in Vancouver, BC Canada. But there was a typo in the zip. How do I correct it.

A:
You can submit the request through MyAccount portal /myaccount/ or by email to [email protected] for address change.
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Q:I just purchased this coverage, Can I receive fulfillment of the benefit in Spanish

A:
When you log into your my account, you can download the visa letter. When you choose to download you can choose what language you want it in,
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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.