Updated September 29, 2026 · SumCue Editorial Team
Insubuy vs Polis812
Insubuy
Higher score in this comparison
Polis812
What sets them apart
| Compare | InsubuyReviewSee alternativesSee alternatives | Polis812ReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel, Health, Dental, Life, Income protection | Auto, Home, Life, Health, Travel, Pet |
| Provider type | Broker | Comparison site |
| Premium from | Not confirmed | RUB 17 |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | RUB 0 |
| Cover limit | Not confirmed | From 30,000 EUR medical cover (Schengen minimum 30,000 EUR) |
| Claims channels | Not confirmed | 24/7 assistance centre phone (number in the policy), Online reimbursement application within 30 days |
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.
Key differences
- Insubuy scores higher overall: 9.0 vs 8.9.
- Founded is lower at Insubuy: 2000 vs 2008.
- Insurance types: only Insubuy offers Dental, Income protection.
- Insurance types: only Polis812 offers Auto, Home, Pet.
- Support channels: only Polis812 offers Help centre.
Our verdict on each
Insubuy
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.
Polis812
Polis812 is a comparison site for personal insurance based in Russia, useful if you want to weigh car, home, life, health, travel and pet policies in one place. The lowest premium shown is RUB 17, monthly payments are available, and support runs on email, chat and phone.
Score breakdown
| Area | Insubuy | Polis812 |
|---|---|---|
| Cost | Not confirmed | 9.1 |
| Offer | 9.1 | 9.2Higher |
| Trust | 8.9Higher | 8.4 |
How they place
| Ranking | Insubuy | Polis812 |
|---|---|---|
| Insurance | 286 of 627 | 350 of 627 |
| Life insurance | 141 of 238 | 167 of 238 |
| Health insurance | 109 of 200 | 131 of 200 |
| Travel insurance | 155 of 278 | 185 of 278 |
Every fact side by side
| Fact | Insubuy | Polis812 |
|---|---|---|
| Audience | Expats, Seniors | Not confirmed |
| Legal entity | Insubuy, LLC | OOO SVC POLIS812 (ООО «СВЦ ПОЛИС812»), INN 7807384453, OGRN 1137847389162 |
| Headquarters | United States | Russia |
| Founded | 2000Lower | 2008 |
| Support channels | Phone, Chat, Email | Email, Chat, Phone, Help centreCovers more |
Pros and cons
Insubuy
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.
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.
Polis812
Pros
- One screen lists auto, home and life, so several policy types can be weighed side by side.
- Monthly payments are available, spreading the cost of a policy across the year.
- Travel medical cover is set at From 30,000 EUR medical cover (Schengen minimum 30,000 EUR), and the excess on that policy is RUB 0.
Cons
- The business is a comparison site, so the cover sits with the insurer named in your quote rather than with the site.
- Products are built for the market the company is based in, RU.
- The assistance number appears in the policy document, and reimbursement is claimed online within a short window, as set out in 24/7 assistance centre phone (number in the policy) and online reimbursement application within 30 days.
Who each suits
Insubuy
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.
Polis812
Who it suits
- Households in RU looking at car, home, life, health, travel or pet cover together.
- People who prefer monthly payments to settling a full premium in one payment.
- Renewal shoppers who want a second view of price before accepting a quote.
Who should look elsewhere
- Readers outside RU, since the company is based there and its products are written for that market.
- Anyone comparing savings or banking rather than insurance, where bunq and Linxea are the relevant names, with premium figures of €0 and €25.
Current offers
Polis812
Current offer
Discount code
Welcome discounts on first insurance orders: Up to 40%
Register on the site and activate bonuses in the personal account
Source, checked September 26, 2026
Bonus
100% cashback on mortgage insurance premium: 100% of premium
Policies marked with the 'Cashback 100%' sign, credited to the personal account within 1 day
Source, checked September 26, 2026
Bonus
100% cashback on OSAGO premium: 100% of premium
Policies marked with the 'Cashback 100%' sign, credited immediately after payment
Source, checked September 26, 2026
Country by country
| Country | Insubuy | Polis812 |
|---|---|---|
| Russia | No | Yes |
| United States | Yes | No |
Questions about each
Insubuy
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.
Polis812
What kinds of insurance can I compare on Polis812?+
The site lists auto, home and life in one place, so a household can weigh several policy types without moving between separate providers. You can use it to see what a quote looks like before you commit to a renewal, then return to the same screen for another type.
How much does a policy cost on Polis812?+
The lowest premium listed is RUB 17. Treat it as an entry point, since the price moves with the type of policy and the cover level you pick, so a fuller policy will sit above it. Read the quote for the product you actually want rather than judging value on the cheapest figure.
Other options to compare
Insubuy
Polis812