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Ask Our Specialists

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

Q:What is your upper age limit for obtaining medical insurance for my elderly mother visiting the US?

A:
Many travel insurance can have age limit up to 99 or 110. However, the medical benefit will reduce beyond certain age. You can receive a quote to see the available options /get-travel-insurance-quotes Please feel free to contact us at 866-467-8289 to speak with our licensed agents.
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Q:Hello,The client is travelling from India to the US, but in between they will be staying in UK during the onward and return journeys. Is there any plan that can cover both UK and US

A:
Most of the plans that cover the US also cover worldwide. If you can enter your information in this link we can quote you all of our available plans, Use the filter option to only show you plans that cover worldwide. Quotes: /get-travel-insurance-quotes/?presection=visitorUSA
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Q:Hi, I have the Patriot International Lite policy and I'm currently in EU. I had a sudden tooth infection and had to do root canal after visiting the dentist. I wanted to ask what is the process for the reimbursement?

A:
You can file a claim by going into your MyAccount. and locating claim forms. MyAccount: /myaccount/
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Q:Hi, I am looking for quotes and complete benefits coverage details for Plan - ATLAS AMERICA with 1. 50,000 Policy max and 2. 100,000 policy max.My Parents of age 71, 66 years are visiting USA from 13th Sept 2025 to 14th Nov 2025.I am looking for Acute onset , Refundable, Extendable options.

A:
You can view the Acute onset benefit for Atlas America in the link below. Acute onset of a Pre-existing condition: /atlas-america/acute-onset-pre-existing-conditions-coverage/ Refund rules: /cancellation/atlas-america-insurance/
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Q:My son is feeling a little sick. If we go to an urgent care or a health clinic, what is the co-pay we should expect to pay? How do we determine the difference between a clinic and urgent care? Thanks!

A:
We advise you call the phone number on the back of your ID card to speak with the insurance company. they can go over the expectations and what you need to pay.
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Q:Purchased basic travel insurance for our trip to Italy. My husband had an accident that resulted in a brain hemorrhage and was hospitalized for 27 days, which surpassed our returned date. Amex denied our claim because the dates were outside the coverage. Brain bleed prevented us from flying.

A:
If you have a plan with us call the benefit department on the back of the ID card. they can go over whats covered under your policy.
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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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