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Insubuy review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Insubuy is a US broker built for expats and seniors who want travel, health, dental, life and income protection cover arranged in one place. Support runs on phone, chat and email, and it has operated since 2000 under Insubuy, LLC.

Key facts

Best for
Expats and seniors buying visitors health, dental, life and income protection cover.
Insurance types
Travel, Health, Dental, Life, Income-protection↗
Provider type
Broker↗
Legal entity
Insubuy, LLC↗
Headquarters
United States↗
Founded
2000↗
Support channels
Phone, Chat, Email↗
Audience
Expats, Seniors
Official website
insubuy.com

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
TrustpilotLinkedInXimmihelp.com

Pros and cons

Pros

  • One broker covers travel, health and dental, so the policies sit with a single provider.
  • Support runs on phone, chat and email, giving a phone line alongside chat and email.
  • Built around expats and seniors, the groups the policies are written for.
  • Operating since 2000 under Insubuy, LLC in the United States.

Cons

  • It is a broker rather than an insurer, so cover comes from partner insurers instead of its own book.
  • Support runs on phone, chat and email only, and a branch visit is not among those options.
  • Income protection is not the only priced line: travel, health and dental means each added type adds premium to the quote.
Insubuy

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Expats living outside their home country who need visitors health cover.
  • Seniors comparing dental, life and income protection policies.
  • Travellers who want health and travel cover handled by the same broker.

Who should look elsewhere

  • People wanting to buy directly from an insurer, since Insubuy is listed as a broker.
  • Linxea buyers focused on life cover alone, where life insurance is the whole range.
  • Euroasia Insurance customers after motor or property cover, which are not among travel, health and dental.

How Insubuy compares

Where Insubuy is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What kinds of insurance does Insubuy sell?+

It is a broker for travel, health and dental. That means the policies sit with partner insurers while Insubuy handles the choice and the paperwork, which suits people who want several types of cover arranged in one place.

Who does Insubuy build its cover for?+

The stated audience is expats and seniors. Policies are written around the needs of people who have moved abroad and of older customers, so a standard domestic policy is not the starting point here.

How do I get help from Insubuy?+

Support runs on phone, chat and email. A phone line is the most direct route for a claim or a policy change, with chat and email available when you want a written record of what was said.

Can I talk to someone in my own language?+

That depends on the insurer behind the policy rather than on Insubuy itself, since the company is listed as broker. Confirm language support with the insurer before you buy cover you cannot read.

Is Insubuy an insurer or a broker?+

It is a broker, not an insurer, so the risk sits with the insurer named on your policy documents. The legal entity behind the service is Insubuy, LLC, based in the United States.

How much will a policy cost me?+

Premiums are set by the insurer after it prices your age, health and chosen cover, so no single figure applies to everyone. Ask for a quote per policy type rather than assuming one rate covers the whole travel, health and dental range.

Which of the cover types should I pick first?+

Health cover is the core of most visitors policies, with dental, life and income protection added to a chosen base. Start with the cover your situation actually needs, since each extra type adds premium.

Is Insubuy regulated?+

Insubuy arranges policies as a broker in the United States, and the regulating detail sits with the insurer named in your documents. Check the insurer's own regulatory status, and any protection scheme attached to it, before you pay.

Sources

  • insubuy.com checked September 26, 2026

    Backs: Audience

    “Expatriate health insurance offers renewable major medical coverage for individuals and families who spend most of their time living outside the US, including retirees and long-term travelers.”

  • insubuy.com/visitors-insurance checked September 26, 2026

    Backs: Insurance types, Legal entity, Support channels

    “Misc: Accident (AD&D), Dental Plans, Disability, Expatriate Health, Life Insurance, Short Term Medical; International Medical: Visitors Insurance, Travel Outside U.S.A.”

  • linkedin.com/company/insubuy checked September 26, 2026

    Backs: Founded, Headquarters

    “Founded 2000”

  • travelpayouts.com/blog/insubuy-affiliate-program checked September 26, 2026

    Backs: Provider type

    “Insubuy is the largest provider of Visitors Insurance for foreigners visiting the USA and an award-winning brokerage company with over 20 years of experience”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

Insubuy

Insubuy

Expats and seniors buying visitors health, dental, life and income protection cover.

9.0/10See alternatives