There was a problem, please make the requested changes and submit again:

  • Search criteria is required. {{ error }}

Ask Our Specialists

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

Q:What kind of ailments are covered by this insurance? If I purchase insurance of 100,000 with 0 deductible, for my mother who is 50 in age, and if she gets a bone fracture or ligament/tendon tear or a cardiac arrest or any other cause of hospitalization, will that be covered in insurance starting from the date I pay? If it is a less severe but still concerning issue can we visit the doctor and be fully refunded? This is given that my mother does not have any pre-existing conditions. She is, however, a cancer survivor and has been absolutely fine and healthy and also no hospital visits apart from the routine check-ups, in the last 4 years.

A:
The plans we offer are similar to short term health insurance. These plans are primarily designed to cover someone for new illnesses, injuries or accidents that did not exist in the persons body before the start date, They will not cover general treatment for pre-existing conditions preventive care or routine maintenance. Something like cardiac arrest is usually almost always caused by an underlying pre-existing condition. that is why we recommend a plan with coverage for an Acute onset of a Pre-existing condition. Visitor plans: /get-travel-insurance-quotes/?presection=visitorUSA
{{currentOrigin}}/answers/visitors-insurance-usa/what-kind-of-ailments-are-covered-by-this-insurance-if-i-purchase-insurance-of-100000-63444/

Q:what does it cover if you have to have surgery or in an accident at the hospital, and does it cover anual doctor phycical and does it cover any perscriptions?

A:
The plans we offer are similar to short term health insurance. These plans are primarily designed to cover someone for new illnesses, injuries or accidents that did not exist in the persons body before the start date, They will not cover general treatment for pre-existing conditions preventive care or routine maintenance. The coverage will aslo include what is medically nessesary to diagnose and treat that new illness or injury.
{{currentOrigin}}/answers/other-insurance/what-does-it-cover-if-you-have-to-have-surgery-or-in-an-accident-at-the-hospital-75184/

Q:Can I use this insurance for my Mammogram and Ultrasound laboratories?

A:
Our plan are only forn new illnesses and inuries. they do not cover preventive care or routine maintananace
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/can-i-use-this-insurance-for-my-mammogram-and-ultrasound-laboratories-36458/

Q:I want to buy INF ELITE IVAS Plan (with PreExisting Conditions Included) for my wife. We live in India and will be travelling to the US in a few weeks.She has bought a similar policy in Nov 2023.I want to add myself to policy.We also want coverage in Germany and Switzerland.

A:
We do not cary that plan on our website.T to quote the plans that cover pre-existing conditions, If you can enter your information in this link we can quote you all of our available plans, Travel to US: /get-travel-insurance-quotes/?presection=visitorUSA
{{currentOrigin}}/answers/international-travel-health-insurance/i-want-to-buy-inf-elite-ivas-plan-with-preexisting-conditions-included-for-my-wife-80768/

Q:A small group of us are going to Africa in January 2026 to climb Kilimanjaro and want insurance to cover that. Does this insurance cover altitudes to 20,000

A:
We have a plan for Hiking up to 20,000 feet but not climbing. US Away: /us-away-insurance/
{{currentOrigin}}/answers/international-travel-health-insurance/a-small-group-of-us-are-going-to-africa-in-january-2026-to-climb-kilimanjaro-65858/

Q:Is there a cover for pregnant women coming in?

A:
We can cover for complications of pregnancy for visitors. Pregnancy coverage in visitor insurance: /travel-insurance-pregnancy/
{{currentOrigin}}/answers/new-immigrant-health-insurance/is-there-a-cover-for-pregnant-women-coming-in-46523/
of {{totalPage}}

Can't find answers to your questions?

Ask our specialists - Licensed and experienced insurance professionals in the U.S.

Ask Our Specialists

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.

This website uses cookies, some of which are essential for the functionality of the website while others are for improving user experience and personalization. By continuing to browse this website, you agree to our use of cookies. For information about your privacy, please read our Privacy Policy and Terms of Use.