Insubuy Insurance Reviews | Company Overview, Plans, Pros Cons

Before reading Insubuy customer reviews, there are a few company-related details you should be aware of. Whether you have questions about coverage or want to buy insurance, you can expect the same high-quality service as a customer.

Any company on this list would be an outstanding life insurance provider. If uncertain, we suggest starting with Nationwide. It offers up to $5 million in no-medical-exam coverage to eligible applicants and simplifies the application process with online quotes and forms. On the other hand, Insubuy has 3.8 of 5 stars concerning customer satisfaction.

Most of these businesses have an AM Best financial strength rating of at least A+ (Superior). Insubuy features six insurance providers with A++ (Superior) AM Best ratings for those who will accept nothing less.

These additional services are provided free of charge. You can rely on Insubuy to be there for you every step. So, if you’re considering working or participating in this company, you should find out what employees and customers think of it. Consider some of the most unbiased Insubuy insurance reviews before making a choice.

Overview of Insubuy Insurance

Insubuy Insurance Reviews

It is the only travel and student insurance marketplace that provides comprehensive multilingual solutions for insurance quotations. You can compare, purchase in English, Spanish, and Chinese, and online account management.

To assist those who only speak Spanish or Mandarin Chinese, Insubuy has a team of certified insurance agents fluent in Spanish and Mandarin Chinese. Available in the United States are the following plans:

  • International Students
  • Exchange Visitors
  • Visitors Insurance
  • Travel Outside USA
  • Trip Insurance
  • New Immigrants
  • Visiting with a Green card
  • Fiancée Visa
  • Study Abroad
  • OPT
  • Evacuation / Repatriation
  • Flight Accident
  • Missionary Travel
  • Group Travel
  • Multi Trip
  • AD&D
  • Kidnap & Ransom

According to some rating websites, Insubuy has 3.8 customer satisfaction and 3.6 as a place to work. 

What is Insubuy Insurance?

Insubuy, Inc., an InsureTech company, offers a marketplace for international and travel insurance. Insubuy collaborates with various insurance providers to offer its customers the highest protection possible. 

Before making an immediate online purchase at, customers can compare quotes from several businesses. This means that Insubuy is not an insurance company. Instead, they perform as a third-party business to help you get the best quote possible.

Twenty-four hours a day, seven days a week, licensed, knowledgeable, and experienced agents are available. Insubuy has been authorized to sell insurance in all fifty states and the District of Columbia. Insubuy is a well-known brokerage firm whose achievements have been recognized by the industry.

Why do you need Insubuy insurance?

When it comes to finding the best policy for your needs, everything depends on your destination and desired coverage. Visitors from the United States may purchase international travel medical insurance. This does not cover the United States, Schengen visa, or trip cancellation insurance.

Standard benefits include emergency medical expenses, evacuation, repatriation insurance, and transportation of a deceased individual’s remains. Treatment for COVID-19 can cost between $50,000 and $1 million.

Even if you reside in the United States, purchasing health insurance can be complex and confusing. Before making a purchase, you should consider the following elements:

A variety of health insurance plans cover a vast array of expenses. There are policies ranging from $25,000 to $10 million in coverage. This is the maximum amount your insurer will pay for medical expenses. As expected, a higher level of coverage carries a higher price tag.

You must select a policy with a policy limit equal to the duration of your stay in the United States. Therefore, the policy maximum may be reduced if you only stay for a week instead of a month or more.

Even if you are in good health, you should not choose the cheapest health insurance plan available. A low-cost health insurance policy will only cover a portion of your medical expenses, leaving you responsible for the remainder if something goes wrong while you are in the United States.

Which are the best Insubuy Insurance providers?

Insubuy Insurance Reviews

As with any insurance company, Insubuy offers to visit any provider with any plan. If you wish to visit a particular provider, you can visit any provider.

Most insurers selling products have a provider network (PPO network). If a product is affiliated with a Preferred Provider Organization (PPO), a link to the PPO’s provider directory will be displayed alongside the product information. 

Any network provider, such as a physician or hospital, has a Network Negotiated Charge (NNC) (unless an exception is noted for a particular plan). Consequently, service providers will only charge the insurance company the agreed-upon amount.

In other words, using a PPO provider has advantages and is not a detriment. Consequently, you should have no trouble locating a service provider in most countries.

If you visit an out-of-network provider, your benefits may be diminished.

Currently, all PPO-affiliated visitor insurance plans offer PPO network-negotiated rates.

Things to Consider Before Buying an Insubuy Policy

Remember that Insubuy is a broker, not an insurer, and offers insurance from various providers. Insurance companies handle claims, not Insubuy.

When searching for an insurance provider, you should examine their claim history instead of their website.

Please remember that most claim beneficiaries who had a positive experience did not report it. The overwhelming majority of reviewers are unhappy customers. Consequently, you cannot see the entire picture. That is the unfortunate reality, however.

If there is anything we can do to assist you in selecting the best insurance plan for your needs, please contact us seven days a week at (866) INSUBUY.

Benefits and Disadvantages of Using Insubuy 

It protects you against losses during travelYou can’t customize the coverage
It compensates medical expensesIt has coverage limits
Easy and trouble-free companyCommunication is slow when you make a claim
It covers personal liabilityInsubuy is an aggregator, not an insurer, a significant difference
It covers against changes to the trip itineraryThey can’t judge the service on price because they don’t decide the price.

Expert Opinion

Insubuy is one of the best investments a traveller can make, travel insurance. Due to the numerous risks it protects against, it is essential to have travel insurance when travelling abroad. A standard Travel Insurance policy typically covers medical risks, travel risks, and flight delays.

Any Travel Insurance policy will cover medical costs up to a specified maximum. These policies cover all types of medical emergencies. The insurance company will reimburse you for medical or accident treatment up to the maximum. Additionally, insurance companies maintain a list of network hospitals.

Insurance companies offer a variety of services in the event of a problem during your trip. In addition to directing you to a nearby network hospital where you can receive treatment, they may also help you file your claims correctly. Providing you have a valid insurance policy, the company is obligated to assist you in the event of an emergency.

So, if you’re on the fence about purchasing Travel Insurance, consider the risks it protects against. Comprehensive coverage safeguards you against various dangers and ensures your safety.


Adam Grabois is an expert in all aspects of Insurance and Property with 20 years of experience. He is a licensed broker of all lines including property, casualty, life, and health. As a licensed adjuster, he is well-versed in all aspects of insurance, and he owns All Needs Insurance agency in Florida.

He attended Tufts University where he earned his undergraduate degree, followed by a Master's degree from Columbia University.

Adam shares his breadth of experience by helping many businesses and individuals manage risk and protect themselves financially. He now shares this with the audience of the "Pro Insurance Info" website.

Articles: 281
error: Content is protected !!