Please call us at toll-free +1 (866) INSUBUY or +1 (972) 985-4400.
WhatsApp: +1 (972) 795-1123
Our working hours: US Central Time
{{allSevenDays}} US Central Time, 7 days a week.
Email us at: ofni
We will give you a call back at +{{form.isdCode}}-{{form.phoneNumber}}.
We can call you at your convenience, fill out the form below.
Name should not contain numbers or special characters.
Phone Number is required.Cannot contain special characters.Phone number should contain at least one number.
We have found an existing call back request. If you would like to replace the existing request click UPDATE.
Time: {{phoneReschDetails.time}}
Timezone: {{phoneReschDetails.timezone}}
The Payment Card Industry Data Security Standard (PCI DSS)—which was developed by the PCI Security Standards Council (PCI SSC) created by Visa, MasterCard, American Express, Discover, and JCB—is an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.
There are many stringent requirements, including but not limited to:
PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. Click here for more information.
When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
All travel insurance plans that provide trip-cancellation and trip-interruption coverage base the price primarily on the trip cost and other factors such as age, trip length, etc.
It is imperative to calculate the total trip cost for travel insurance accurately to get the most benefits from your coverage. The following can be used as a sort of travel trip cost calculator, or travel insurance calculator, to assist you.
You should add all prepaid, nonrefundable trip costs associated with the trip to arrive at the trip costs. Include all expenses that are subject to cancellation penalties or restrictions.
To arrive at the total trip cost, you should add all prepaid, nonrefundable expenses such as the following:
In other words, when calculating the trip cost, you should only insure the amount of prepaid expenses for which you would not receive the complete refund if you needed to cancel your trip.
Additionally, you can include the costs that you would still have to pay if you canceled but didn't have to prepay. For example, you booked a hotel and they held your reservation with the credit card you provided but didn't charge anything upfront. If you don't go they will charge for one night, which can be insured.
There are certain costs associated with the trip that are not insurable and therefore should not be included in the total trip costs. Those expenses would be the ones you would incur while you are on your trip:
There is no point in including the above expenses in your insurable trip cost while buying travel insurance, because if you don't go on your trip, you will not incur those expenses. Therefore, you would not get reimbursed for the same.
Also, you can't insure the flight or other travel arrangements you booked using your frequent-flyer miles, but you can insure the taxes and fees associated with them.
While arriving at the trip cost to be insured, many people ask whether they should insure the actual prepaid trip cost or the penalty. And the answer depends on what exactly you would like to get covered.
For example, you bought an airline ticket for $3,000, and they would charge you a $200 penalty for canceling the ticket. Should you insure for $200 or $3,000?
Many travel insurance plans require that you insure 100 percent of your prepaid, nonrefundable expenses to be eligible for certain benefits, such as:
To be eligible for any of those important benefits, make sure that you insure 100 percent of the prepaid, nonrefundable trip cost. Never round down. Always round up. For example, if your trip cost is $1,992.50, don't round down to $1,992 or $1,990. Round it up to $1,993 instead.
Also, if you are near the trip-cost age band where prices can change substantially, such as $2,015, don't round down to $2,000 to get into the lower trip cost. Otherwise, any of the above benefits would be declined.
Even if the ticket may be changeable but is still nonrefundable, you must include that in the trip cost to get any of the benefits listed above.
If you are not worried about any of the above benefits, you can insure for whatever trip cost you like in most plans.
However, in addition to trip-cancellation coverage, you must also think about trip-interruption coverage. Trip-interruption coverage is usually 150 percent of the trip cost. Therefore, even if you don't want any of the above benefits, you should still insure 100 percent of prepaid, nonrefundable trip costs just in case you need trip-interruption benefits to come back home for a covered reason.
To get the most benefits out of travel insurance, you should buy it as soon as you make your first payment. If you are not sure of the total trip cost, buy travel insurance with the trip cost you are aware of initially. If the trip cost goes up later, you can get it changed at a higher premium, as long as you do so before the scheduled departure date. On the other hand, if your trip cost goes down, you can get the refund as long as you request the change before the effective date.
In most plans, you can't total the trip cost of all travelers and average them to come up with trip cost per person. However, some plans allow that.
There are some trip costs that are per person while others are combined for several people. Therefore, it can sometimes be difficult to calculate the trip cost for each person accurately. The following guidance may help:
Even if minor dependent children under the age of 18 years may be insured at no additional premium or a discounted premium, you must still include the trip cost for each traveler.
If you don't want any trip cancellation or interruption coverage, you can purchase travel medical insurance instead.
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreSame Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreHealthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreDid 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 MoreYou are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreYou 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 MoreThe U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreSchengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreYou don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreMost schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More