When you are looking to purchase international travel medical insurance, visitors insurance, international student insurance, Schengen visa insurance or many such insurance plans, there are literally thousands of agents and web sites and there are also many insurance companies.
Many people ask us 'What is the advantage of purchasing from Insubuy ®. Why should I purchase from you?'
There are many advantages in purchasing from Insubuy ® and no disadvantages, as described below in detail:
Lowest Price Guarantee
The biggest question that most people have is whether they can purchase it cheaper from any particular agent or broker or directly from the insurance company. That is not possible.
Insurance premiums are regulated by law and no one is allowed to offer any different price for the same insurance. The insurance premium is the same whether the plan is purchased directly from the company or through any broker like us, Insubuy ®.
The price depends upon the product you would like to purchase, the policy maximum, deductible, the age of the person, any optional coverages and the exact duration of the insurance. As long as all of these parameters are the same, the price will be the same, no matter from where you purchase.
We are not allowed to charge even a single penny more (or less) than the prices determined by respective insurance companies. You get additional service at no additional cost to you.
- Longer Work Hours
Insurance companies (or Administrators) and most other brokers have limited office hours. We are open virtually all the time, 8:00 AM to 9:00 PM Central time, Monday to Friday and 8:00 AM to 5:00 PM Central Time, Saturday and Sunday. You can contact us at any time during these hours. Therefore, you get more customer support when it is convenient for you.
You don't have to shop around. We are a one stop shop. We offer all major international medical and travel insurance plans from many companies. Anyone that answers the phone calls at Insubuy ® is a licensed and experienced insurance agent in Plano, Texas, USA (Dallas metroplex area). We would be able to suggest
a plan that is most suitable for you. We have the experience and knowledge that assures that you are making the right choice for your unique set of circumstances and requirements. We always put your best interest before ours and we will always honestly suggest the most suitable plan to you. On the other hand, insurance companies will only talk the best about their own products, and some captive agents (as opposed to the brokers) work only for one insurance company and will only advise about one company's products.
We don't work for any particular insurance company, but for our clients, you.
You don't have to go through complicated phone menus nor do you have to be on hold forever or go through several departments and transfers before you get a chance to talk to a knowledgeable person. In over 99% of the time, we answer the phone calls immediately. In less than 1% of the time where we get a lot more calls than number of available agents, we will take a message (so that you don't have to hold) and someone will call you back as soon as possible. (Disclaimer: In case of any natural or other disaster beyond our control, our services may be affected, but that has never happened in well over a decade that we have been in business.)
With our extensive experience focused primarily on international medical insurance, we have prepared an extensive list of authentic information including quotes & comparison, guide, FAQs, tools and a lot of other information right here on insubuy.com in an easy to read and understand format, not found anywhere else on the internet. Such information is extremely valuable to you in making an educated decision.
Some companies like IMG don't sell directly. Even if you purchase the insurance from their web site, they will randomly put you under an agent, who could be located in any part of the world. It is better to buy from a reputable company as we would provide you superior customer service. All the insurance plans are not even displayed on the companies' web sites.