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Policy Service Frequently Asked Questions

Policy Service Frequently Asked Questions

How do I know what plan I have purchased?

That information is located in the email confirmation you received after your purchase. You may also have received the insurance documents by postal mail. Please look at any of these to find the plan name / number.

All I have is an ID card. And I don't see the plan name in there. How do I know what I have purchased?

ID card has a certificate number or / and ID number. Please look at the first few characters and match them with the prefix given after the plan name, in the drop down list above.

It is asking me to send you an email to cancel the insurance. Why can't I cancel it online or over the phone?

If the insurance policy you purchased is administrated by Tokio Marine HCC, IMG, iTravelInsured or Trawick you can request cancellation for most plans online by logging into MyAccount. In MyAccount, you'll be able to request cancellation of your policy and much more.

If the insurance plan you purchased is handled by another administrator, please send your cancellation request to lecnac.

For your safety and security, we are legally required to receive the cancellation request from you in writing.

Why does the certificate wording (policy) not have my name and other details printed inside it?

Certificate wording (policy) is a general document that is meant for everyone who has purchased the same insurance plan, as the benefits are the same. Your name and other details are mentioned in the confirmation of coverage document (or email) that you received and are specific to your purchase. Both of those documents are used collectively for a specific purchase.

Why can't I completely change one of the names of the insureds? I purchased the insurance for my mother-in-law and I was not sure of her exact name.

To avoid fraudulent activity, insurance companies can only make the minor corrections to names, such as typos. It is not possible to replace a name; in this situation, you would have to cancel the insurance with the wrong name and repurchase the insurance with the correct name.

Can I extend my insurance online?

Most plans allow you to extend your insurance online.

However, once your plan has expired, there is no grace period. You must repurchase the insurance on this web site insubuy.com or you can contact us and we would be glad to do complete the application over the phone for you.

Can I print the visa letter online? I need it urgently for my consulate appointment tomorrow morning.

Yes. Many plans allow you to print the visa letter online soon after purchasing the insurance. Some of the plans send you an email confirmation with the visa letter either as an attachment or as a link. However, if the specific plan you have purchased does not allow that, please contact us and we would be glad to get you the visa letter (this could take 2 to 3 business days).

Should I use MyAccount or Policy Service?

If you purchased a plan administered by Tokio Marine, HCCMIS, IMG, iTravelInsured and Trawick International you can use both MyAccount and Policy Service, the choice is yours. For plans administered by any other insurance administrator, you should use Policy Service.

What are the differences between MyAccount and Policy Service?

MyAccount is our customer portal where you can login to your account and manage the insurance policies you have purchased. Once logged into MyAccount, you can link multiple policies, request cancellation, request service changes, extend coverage and repurchase; you also have access to all of your policy fulfillment documents and transaction history in one location.

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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