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Best Visitors Insurance Deals
Q: How can I find the best visitors insurance deals?
A: You can find all major visitors insurance plans right on this web site, insubuy.com. Once you enter your basic criteria, you will see major plans, their benefits and their prices. You can compare them side by side and make an instant purchase online.
Q: But the prices I see on insubuy.com are the same as I see everywhere else. Where are the best visitors insurance deals?
A: Insurance premiums are regulated by law and no one is allowed to offer any different price for the same insurance.
Q: Can I purchase visitor medical insurance for less money if I buy directly from the insurance company?
A: No. The insurance premium is the same whether the plan is purchased directly from the company or through any broker like us, Insubuy®, Inc. We are not allowed to charge even a single penny additional than the prices determined by respective insurance companies. You get additional service at no additional cost to you.
In fact, you have several advantages in buying from us, as described in detail at why purchase from Insubuy®.
Q: Is there any discount?
A: No. The prices are regulated by law no matter which agent/agency you buy the insurance from.
Is there any AAA discount? No.
Is there any discount if I work for IBM (any other company)? No.
Is there any discount if I buy insurance for both my parents and in-laws? No.
Is there any discount if I am a repeat customer? No.
Is there any discount if I had no claim last time I had purchased insurance from you? No.
Is there any discount if I am healthy? No.
Is there any discount for senior citizens? No.
Are there any deals or specials? No.
Is there any discount under any circumstances? No, No, No.
A: Those are simply misleading advertisements. For example, lets assume that there are two products Product A and Product B. Product A provides better coverage and costs $100 for a given age group, policy maximum and deductible while Product B costs $60 for the same parameters. If you buy the product B that costs $60, that is not really a savings of 40%. You are just buying a cheaper product with less benefits. For the same parameters (age group, policy maximum and deductible), Product B is going to cost the same $60 no matter where you buy it from and no matter who buys it. You would really save money only if the same product were available at a lower price, but that is not possible. The prices are regulated by the law. No one can offer you any different price for the same product.
A: That is really not possible.
As mentioned above, the visitors insurance prices are regulated by law and no one can charge you anything different (neither lower nor higher) for exactly the same insurance. Please make sure that you have entered exactly the same criteria on various web sites such as the policy maximum chosen, deductible chosen, the age of the person and the duration of the insurance. Even if there is a difference of one day in duration, the prices would vary as the prices are on daily basis in most visitors insurance plans.
If you are confident that you have entered exactly the same criteria, and if you still see different prices, please read further below.
Make sure that you are looking at exactly the same product. Of course, different products have different prices.
Even though various web aggregators display the visitors insurance prices provided by respective insurance companies, most of them have written their own quoting engine. It is possible that another web site is not sure about how to calculate the exact duration properly, exact age properly, or how to put together the quote properly. There might even be rounding differences in calculating the premium as not every programmer has enough business knowledge to understand the intricacies and nuances of different calculations done by various insurance companies. Most likely, the difference is coming from there. Another reason could be that their prices are outdated.
In any case, no matter what prices are displayed on a given web site, when you actually attempt to purchase the insurance, most brokers use the online enrollment application provided by the respective insurance company and the quote provided there is the final premium you will end up paying any way.
We are confident that our prices are the most up to date and calculated accurately.
If you still have doubts that our prices are higher or otherwise inaccurate, please contact us and we will try our best to resolve your doubt and find out where the discrepancy is coming from. If you prove that our prices are inaccurate and you are the first one to show us that error, we will send you $25 gift card. (No one has been able to claim that so far).
Disclaimer: The information within this article is intended as a broad summary of benefits and services and is meant for informational purposes only. The information does not describe all scenarios, coverages or exclusions of any insurance plan. The benefits and services of an insurance plan are subject to change. This is not your policy/certificate of insurance. If there is any discrepancy between the information in this article and the language of your policy/certificate wording, the language of the policy/certificate wording will prevail.