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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.
Please read the FAQ about Claims Help before reading this FAQ.
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.
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 not to be satisfied with Insubuy staff, if they were not available to guide you, if Insubuy staff was not knowledgeable or courteous when you contacted, if the web site didn't have enough information about the products offered, if Insubuy placed you on hold for a long time or transferred the call around before you got to someone who could answer your questions. However, that kind of problem is extremely unlikely to occur. If in a rare case that does occur to you, Insubuy is here to listen to you and you can write a truthful negative review if Insubuy is 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.
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.
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.
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.
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.
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.
That is incorrect. Insurance companies would not remain in business if they were operating illegally, by committing fraud or scamming customers. If your claim was not paid, then it likely means your claims was not eligible to paid as per the terms of your insurance policy.
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.
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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.
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