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

Q:I wanted to ask if i the insurance is gonna cost my flight and accommodation costs if i get denied a schengen visa by the embasy

A:
The plan is only meant to cover you medically. it will not reimburse you for flights upon denial.
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Q:I need a doctor to come to my hotel room

A:
to see if that benefit is covered by your plan we advise you contact the benefit department that is located on the back of your ID card.
{{currentOrigin}}/answers/international-travel-health-insurance/i-need-a-doctor-to-come-to-my-hotel-room-35589/

Q:Is the ExchangeGuard insurance underwritten by United Health Care?

A:
Exchang guard is underwriten by Lloyd's of london
{{currentOrigin}}/answers/other-insurance/is-the-exchangeguard-insurance-underwritten-by-united-health-care-36258/

Q:I see that medical insurance and travel insurance are given together. Why can they not be offered separately?I am looking for travel insurance that excludes medical insurance.

A:
Unfortunately we do not have it seperate, all of our travel plans include medical coverage as well.
{{currentOrigin}}/answers/group-travel-health-insurance/i-see-that-medical-and-travel-insurance-are-given-together-why-can-they-not-be-offered-separately-64209/

Q:We purchased travel insurance for a March 14, 2025 departure. If the trip will be postponed indefinitely, what are the change/cancellation policies?

A:
When logging into your MyAccount you can click on cancel policy most plans offer a full refund if canceled before the effective date.
{{currentOrigin}}/answers/international-travel-health-insurance/if-the-trip-will-be-postponed-indefinitely-what-are-the-changecancellation-policies-91708/

Q:I have a 72 year old looking for just medical insurance. She doesn't have Medicare Part B or an Advantage plan because she's not retired. She has insurance through her employer. Can she still qualify?

A:
She would not qualify for some plans but there are still other options to choose from. probably at lower maximums. If you can enter your information in this link we can quote you all of our available plans, Quotes: /travel-health-insurance/
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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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