Broker Service

Visitors Insurance - Choosing a Broker


When you are looking to purchase visitors insurance, there are thousands of agents/brokers and many insurance companies. Many people would like to know from where they should purchase the visitors insurance.

Where should I buy the visitors insurance from?

You should always consider purchasing visitors insurance from a reputed broker such as Insubuy®. Please read Why purchase from Insubuy? and visitors insurance broker advantages for more information.

I have seen many advertisements for visitors insurance on Television. Why should I buy from you?

Please watch this video:

Some (not all) of the advertisements on television are purely misleading. They clearly convey the message that all pre-existing conditions would be covered which is not accurate. They hope that you just buy it and never have to use it. In fact, it is never that simple. Please look into our guide section and familiarize yourself with how visitors insurance really works so that you can have realistic expectations. At least, please make sure to read FAQ about pre-existing conditions, acute onset of pre-existing conditions and sudden & unexpected reoccurrence of pre-existing conditions.

But some of those TV ads clearly say that their products will cover pre-existing conditions while your plans have a lot of fine print and ifs and buts. Why should I buy from you?

We also offer the exact same plans as other brokers that advertise on TV. Therefore, there is no difference in the price or benefits of a given plan. As we would like to educate you and convey the details honestly, you may feel that our products are more restrictive than others who simply claim that pre-existing conditions would be covered, but that is not the case. Given the insurance plan is the same, no matter from where you purchase it.

Does that mean that if buy XYZ visitors insurance from you, we will get less coverage but we will get higher coverage when purchased from other brokers?

No. As a given plan XYZ is the same, no matter from where you purchase, you are going to get the same coverage. However, if you talk to us, you will have realistic expectations. However, if you listen to exaggerated claims of other brokers who sell the same, you are more likely to get disappointed later.

If the TV advertisements of some (not all) of the other brokers are really misleading or inaccurate, why are they even allowed?

TV channels don't care about the truthfulness of the claims of the advertisers. You must have obviously seen the advertisements of acne removal, fairness cream, shampoo, or pandit baba. You know the truthfulness of the claims in those advertisements.

As long as a specific insurance company is not named in a misleading advertisement, insurance companies can't really do anything about it. Finally, it would be an agent/broker's responsibility if they were to exaggerate the coverages. If they decide to do business that way, it is really their choice. However, it is absolutely under your control to make an educated decision by talking to an honest and realistic broker who will always give advice in your best interest.

If what you are saying is really true, why are you doing business that way?

Because we truly believe that honesty is the best policy. When we put your best interest before our own, you would be confident in dealing with us and your chances of being satisfied with the insurance are higher. When that happens, you are more likely to refer more and more people to us. And we believe that is the best way, rather than taking a short cut which will last only a short term. Insubuy® has been in business for a long time, remains the pioneer in customer service and innovation for visitors insurance, and has always been a market leader.

In fact, the founder of our company started this business when he personally suffered by purchasing visitors insurance from his visiting parents' home country. Therefore, he would not want anyone to suffer the way he had to when his father got seriously sick while visiting the U.S. Every single staff member in our company operates with that same initial passion.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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