Disclaimer & Terms of Use

Legal Restrictions

Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times. Certain restrictions, conditions, and eligibility requirements apply. In addition, if you are a United States or a foreign citizen physically located and/or living in the United States while viewing this website, there may be certain additional restrictions, conditions, and eligibility requirements that apply. Please contact us for details.

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by us in any jurisdiction where such an offer or solicitation would be unlawful or in which we, our insurance carriers or managing general underwriters are not qualified to do so.


Limitation of Liability

Access to and the use of the materials and information on this website are provided on an "as is" and "as available" basis without expressed or implied warranties of any kind. To the fullest extent permissible under applicable law, We disclaim all warranties, expressed or implied, including, but not limited to, any implied warranty or merchantability or fitness for a particular purpose. We do not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website, or the server that makes it available, are free of viruses or other harmful components. We do not warrant or make any representations regarding the use or the results of the use of the materials in this website in terms of their correctness, accuracy, reliability, or otherwise. You (not we) assume the entire cost of all necessary servicing, repair, or correction relating in any way to your use of this site. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

We, and our related, affiliated, and subsidiary companies, cannot and do not guarantee the completeness or accuracy of any information obtained from this website or its applicability to your unique situation.

It is your responsibility to evaluate the accuracy, completeness, and usefulness of any opinions, advice, services, or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers, and distributors are not rendering legal, accounting, or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor for guidance on your personal situation.

In no event shall we and our related, affiliated, and subsidiary companies, be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However, we cannot guarantee 100% accuracy.

Our office hours are generally from 8 AM to 7 PM US Central Time, Monday - Friday. However, we make no guarantee that we will always be available during those hours. In case our office is not open during those hours (e.g., because of some unforeseen emergency), we will not be responsible for any consequences arising out of it.

In the event that there is a discrepancy between the information contained on this website, and any insurance company authorized illustration and/or policy, the policy shall govern.

Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you.


This agreement regarding the legal restrictions and terms of use for this website is elective until terminated by either party. You may terminate this agreement at any time by destroying all materials obtained from any and all of our website(s) and all related documentation and all copies and installations thereof, whether made under the terms of this agreement or otherwise. This agreement will terminate immediately without notice from Us if, in our sole discretion, you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from this website and any and all of our other website(s) and all copies thereof, whether made under the terms of this agreement or otherwise.

Copyrights and Trademarks

This website is owned and operated by Insubuy®. No material from this website may be copied, reproduced, downloaded, uploaded, displayed, sold, published, republished, posted, transmitted, distributed, incorporated into another work, or otherwise exploited in any way without the prior written consent of Insubuy®. The modification or use of the materials from this site for any commercial purpose is strictly prohibited and is a violation of trademark, copyright, and other proprietary rights owned by parties including Insubuy®, and its affiliates.

The INSUBUY and INSUBUY design, plus words, letters and/or numbers, and design alone of the logo are registered trademarks of Insubuy®.

All other marks, registered marks, service marks, trademarks, and the logos and designs in these web pages are the property of their respective owners.

Discussion Forums and Ask Our Specialists

The discussion forum on this website are provided solely for the purpose of exchanging information among website visitors. Views presented are from individual visitors to our website and We do not endorse them in any way. Answers provided by Licensed Insurance Agents in Ask Our Specialists are deemed to be accurate at the time of answering them, but may be come inaccurate or outdated over time.

You should interpret the content at entirely your own risk, as we are not liable or responsible in any manner for you using any of the information presented therein. Your individual situation may vary, and you should not take any decision solely based on the views posted here by the visitors to our website.

By providing any content to our website:

  • You agree to grant to us a worldwide, royalty-free, perpetual, non-exclusive right and license (including any moral rights or other necessary rights) to use, display, reproduce, modify, adapt, publish, distribute, perform, promote, archive, translate, and to create derivative works and compilations, in whole or in part. Such license will apply with respect to any form, media, or technology known or later developed;
  • You warrant and represent that you have all legal, moral, and other rights that may be necessary to grant us with the license set forth in this section, and such content is not subject to any third-party copyright or any other proprietary right;
  • You acknowledge and agree that we shall have the right (but not obligation), in our sole discretion, to refuse to publish or to remove or block access to any content you provide at any time and for any reason, with or without notice.

Comments are created for the public, by the public, and the views of the authors are protected under the First Amendment rights of the United States Constitution.

Google Translation

Translation of pages on this website is performed by Google Translate, a third party service which we have no control over. Google Translate provides automated computer translations of text and web pages into different languages, and such translations are only an approximation of the website's original content. The translations should not be considered exact and only used as a rough guide, as in some cases it may include incorrect, incomplete, or offensive language. We do not warrant the accuracy, reliability, or timeliness of any information translated by Google Translate and will not accept liability for loss incurred as a result. Any person or entities that obtain or rely upon information obtained from the Google Translate service does so at their own risk. When this translation service is used, you assume the risk of any inaccuracies, errors, or other problems encountered. We are not responsible for any liability, damage or issues that may possibly result from using Google Translate. Some files and other items cannot be translated, including, but not limited to, sample documents, graphical buttons, drop down menus, graphics, and photos. In addition, some applications and/or services may not work as expected when translated.

If you have any questions about Google Translate, please click the following link: Google Translate FAQs.

Patient Protection and Affordable Care Act ("PPACA")

Most insurance products available on this website are not subject to, and do not provide certain insurance benefits required by, the United States PPACA ("Obamacare"). In no event will Underwriters provide benefits in excess of those specified in the policy documents, and this insurance is not subject to guaranteed issuance or renewal. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances, penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if the PPACA's requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.


You agree that this Terms of Use and any dispute arising out of your use of this website or our products and services shall be governed by and construed in accordance with local laws of Plano, Collin county, Texas, United States of America without regard to its conflict of law provisions. By registering or using this website and service, you consent and submit to the exclusive jurisdiction and venue of Plano, Collin county, Texas, United States of America. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the subject matter herein and shall not be modified except in writing, signed by both Parties. If you become dissatisfied in any way with this website or its terms and conditions, or if you do not agree to the terms and conditions contained herein, your sole and exclusive remedy is to stop using this website and its services.


You agree to indemnify the Company, the website insubuy.com, and its affiliates, employees, agents and representatives, and to hold them harmless from any and all claims and liabilities (including reasonable attorneys' fees) that may arise from or as a result of your submissions, from your unauthorized use of material obtained through the website, from your breach of this agreement, or from any such acts arising through your use of the website.



Arbitration and Class Action Waiver

Excluding claims for injunctive or other equitable relief, any dispute or controversy between a user/insured/proxy and Insubuy arising out of or relating to using the insubuy.com or brokersnexus.com website(s) or interacting with Insubuy staff, including without limitation any and all disputes, claims (whether in tort, contract, statutory or otherwise) or disagreements, shall be resolved by final and binding arbitration pursuant to the Federal Arbitration Act. Such claims shall be arbitrated on an individual basis only, and the parties waive any right or authority for any claims to be resolved in a class, consolidated, representative, collective or private attorney general action or arbitration. The arbitration shall take place in Plano, Texas, United States of America, or at the option of the party seeking relief, by telephone, online, or via written submissions alone, and be administered by an arbitration company chosen by Insubuy. The arbitral tribunal (“Tribunal”) shall be composed of one arbitrator, who shall be independent and impartial. If the parties fail to agree on the arbitrator within twenty (20) calendar days after the initiation of an arbitration hereunder, the arbitration company shall appoint the arbitrator. The arbitration shall be conducted in the English language. The decision of the arbitrator will be final and binding on the parties. Judgment on any award(s) rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have the authority to determine arbitrability of any disputes arising out of or relating to using the insubuy.com or brokersnexus.com website(s) or interacting with the Insubuy staff. Nothing in this Section shall prevent either party from seeking immediate injunctive relief from any court of competent jurisdiction, and any such request shall not be deemed incompatible with the agreement to arbitrate or a waiver of the right to arbitrate. The parties undertake to keep confidential all awards in their arbitration, together with all confidential information, all materials in the proceedings created for the purpose of the arbitration and all other documents produced by the other party in the proceedings and not otherwise in the public domain, save and to the extent that disclosure may be required of a party by legal duty, to protect or pursue a legal right or to enforce or challenge an award in legal proceedings before a court or other judicial authority. The arbitrator shall award all fees and expenses, including reasonable attorney’s fees, to the prevailing party. This agreement to arbitrate does not apply to claims Members may have for medical malpractice against their medical providers. Members may choose to opt out of the agreement to arbitrate by mailing a written opt-out notice (“Notice”) to Insubuy. The Notice must be postmarked no later than sixty (60) days after the last day of your certificate period. The Notice must be mailed to: Insubuy, LLC, 4200 Mapleshade Ln Ste 200, Plano, TX 75093, United States of America. This procedure is the only mechanism by which you can opt out of the agreement to arbitrate. Opting out of the agreement to arbitrate has no effect on any other parts of this Terms of Use, or any previous or future arbitration agreements that you have entered into with Insubuy.

Updated: June 16, 2022

Did you know?

Prices are regulated by law.

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

Learn More

Why buy insurance from Insubuy?

Same Price. Better Service.®

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

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

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

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More