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Visitors Insurance - Claims Dissatisfaction FAQ

Visitors insurance - Claims Dissatisfaction FAQ

Please read the FAQ about Claims Help before reading this FAQ.

I am not happy with the way Insubuy processed my claim and I will never buy again from Insubuy and tell all my friends about it.

It is very important to understand that Insubuy does NOT process your claims. That means, Insubuy does not approve or deny the claims. Claims processing is done by the insurance administrator. Insubuy is simply trying to help as your broker and well wisher. Final decision for your claim is made by the insurance administrator and not by Insubuy.

Moreover, Insubuy does not offer visitors insurance only from one company but from all major companies in the US market. Therefore, if you are not satisfied with one company, we have many other options to choose from. And we can certainly help you with choosing another plan.

Finally, if your claim was denied, Insubuy did NOT do that. Therefore, it would be unfair to blame us for the same. It is a fact that some claims are simply not payable. We can try our best to help you with legitimate claim problems. In any case, we will give you our honest opinion. Insubuy does not get paid based on the denial or approval of your claim and therefore we have no incentive to say or do something that may not be in your best interest.

I am not satisfied with the insurance I purchased. Therefore, I am going to complain about Insubuy.

It would be very important to first determine what exactly you are not satisfied with.

Are you actually not satisfied with Insubuy's services or are you not satisfied with the claim result?

You would have a reason to be not satisfied if Insubuy staff was not available to guide you, Insubuy staff was not knowledgeable or courteous if you contacted us, if the web site didn't have enough information about the products we offer, Insubuy put you on hold for a long time or Insubuy staff transferred you around before you got to someone who could answer your questions. But that kind of problem is extremely unlikely to occur. But if that occurs to you in a rare case, we are here to listen to you and you can write truthful negative review about Insubuy if we are unable to resolve your matters to your satisfaction.

However, if you are not satisfied or happy, it is more likely that your claim was rejected or had other claim related problem. But claims are NOT processed by Insubuy but by each insurance company's administrator. Even though we can help you with the same, we have no final control over their decision.

You recommended me to purchase XYZ insurance plan and now they have rejected my claim. Therefore, I expect you to make them pay my claim.

We offer all major visitors insurance plans available in the U.S. market and suggest you the plan that seems most suitable for your situation. Just because we suggested a particular plan, it does not mean that it is our responsibility to get every single claim paid. Each insurance company pays eligible claims based on the terms and conditions of their policy. There are many claims that are simply not eligible and therefore not payable. No one can do anything about getting ineligible claims paid. As many visitors insurance plans are similar at a high level, if one company declined your claim, most likely the other one would have declined it too.

I bought the insurance through you. Therefore, it is your responsibility to make sure that all my claims are paid.

Each insurance company pays the claims according to the terms and conditions of their policy. Therefore, just because you bought the insurance through us, it does not guarantee that all of your claims will be paid under all the circumstances. Each company pays only the eligible claims.

If my claim is not paid, I am going to take legal action against Insubuy, or I am going to complain everywhere.

Insubuy does NOT make any claims decision. Therefore, no matter what kind of pressure tactics you apply, it is finally the insurance company's claims administrator that is going to make the final claim decision.

While we are already trying our best to help you with your situation, if you make constant threats, we must stop helping you as you can't really attack the helper for no fault of theirs. Therefore, you must agree to refrain from making false negative comments about Insubuy, irrespective of the final outcome of the claim. In spite of our best efforts, if your claim is still ineligible and is not paid, there is nothing more anyone can do.

No matter where you buy the insurance, the claim is going to be processed by the insurance company's claim department which is the same in any case. At least, we are willing to help you to the best of our ability.

I referred many friends to buy insurance from you and my claim was denied. If you don't immediately pay my claim, I am going to tell all of my friends about it and they will all cancel the insurance from you. Therefore, you better pay my claim.

Insubuy does NOT make any claim decision. Therefore, it is not up to Insubuy to make any claim payment. If you have any legitimate claim problem, we already try our best to help you in any possible way we can. Therefore, no matter what you do, the insurance company's claims administrator is going to finally make the claim decision.

You never told me earlier about the details of the insurance. Therefore, you are responsible to get my claim paid.

All the available details of a particular insurance plan is already available on our web site BEFORE you decide to purchase the insurance. After you make a purchase, you will be given the policy details too. Therefore, it is finally your responsibility to read and understand the terms and conditions. And of course, we are happy to help. Irrespective of whether you read the terms and conditions of the insurance or not, the insurance company is only going to process the claims accordingly.

Insurance companies selling insurance never pay any claims. Therefore, they are all fraud and it is a scam.

That is absolutely not true. Just because your claim was not eligible and therefore, it was not paid, it does not necessarily mean that everything is fraud and scam. We understand your dissatisfaction but all claims are not eligible.

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.

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.

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New immigrant to USA?

You would not be 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.

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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.

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.

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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.

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

To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

If you have read and agree to the terms of both Notices: California and Cuba, please click the continue button if you wish to complete the application process. Otherwise, please click cancel to abort the application process.

To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D

If you have read and agreed to the terms of this notice and wish to continue, please click the continue button. Otherwise, please click cancel to abort the application process.

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

I certify that I have read the above and that all individuals applying for coverage qualify for travel authorized under one of the general licenses per US Treasury regulations.

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