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Disclaimer: Please note that the views presented below are from individual visitors to our website and we do not endorse them in any way and you should interpret them at entirely your own risk as we are not liable or responsible in any manner for you using any of the information presented below. Your individual experiences may vary and you should not take any decision solely based on the views posted here by the visitors to our website.

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6

petersc     09/04/2015 00:34 AM
 


This is a note of commendation for your customer service rep, Sean T. Sean helped me in my purchase of a Patriot International insurance policy and I had the good fortune to have him help me twice. Twice was a random occurrence, but I was grateful for his help. He is knowledgeable, courteous, and has a helpful, professional tone in his voice. He was fully engaged during our conversation, which isn’t always the case in customer service. With 20 years’ experience in this profession, I am fully aware of its challenges.

Sean is to be commended.

C. Peters

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vivekc76     08/29/2015 06:10 AM
 


NEVER EVER BUY TRAVEL INSURANCE POLICY FROM ICICI LOMBARD. ITS NOT JUST WASTE OF MONEY BUT YOU WILL LOSE YOUR SLEEP LIKE US IF YOU EVER NEED TO MAKE CLAIM USING THIS POLICY. SHAME ON ICICI LOMBARD.

ICICI Lombard advertises their International Travel Policy as one of best offering cashless claim facilities worldwide and offers peace of mind. Well, all that's only true till someone unfortunately needs to make a claim using this policy. Like most parents visiting USA do, my father bought the ICICI Travel policy for his 3 month trip to USA in June 2015. Unfortunately he had to be hospitalized and had to undergo a gallbladder surgery. We informed ICICI Lombard within couple of hours of hospital admission in ER. They didn't respond to hospital enquiry for verification of benefit. Subsequently, they have now pulling out a line from their policy fine print that "Cashless payment is at the sole discretion of ICICI and customer can not claim it as right by way of having insurance policy". This is the biggest catch in their policy. It's been more than 2 weeks and ICICI Lombard have basically done nothing to help us and just trying to find reasons like insured is old (74 yrs) and has been taking some medications (blood pressure, thyroid, etc) because of which they can't process the cashless claim. WELL, THEY HAD ISSUED THE POLICY THEMSELVES! This is PLAIN CHEATING and FRAUD on ICICI;s part to claim one thing and when customer needs to claim then they totally back out and leave insured on his own.

WE ARE IN BIG TROUBLE BECAUSE OF ICICI NOW. SO, WOULD LIKE TO CAUTION EVERYONE TO NEVER BUY THE TRAVEL INSURANCE POLICY FROM ICICI LOMBARD.

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chinnik     08/19/2015 09:41 AM
 


I am glad I bought health insurance for my mom through Insubuy when she visited me last year.
One day, she had dizziness and chest pain suddenly after she woke up from bed. I had to take her to emergency for immediate medical help. The hospital billed all the claims directly to Coventry/HCCMI.
Almost 4 months later I received a letter from HCCMI to provide some info to process the claims.
I submitted the required info, but they rejected the claim saying "not timely filed".
I did try to resolve the matter by calling both Hospital and HCCMI quite a few times but no clear response was given.

I contacted Insubuy to help me with the matter. They were not only very responsive but also followed up with me and HCCMI to clear the claims. At one point HCCMI rejected claims stating pre-existing condition, but again Insubuy submitted appeal on behalf of us and at the end the claims were processed and paid by HCCMIS.

I appreciate the outstanding help/service from Fallon and Insubuy.
I will gladly refer Insubuy to my friends and family and will buy again from Insubuy.

Thanks and regards,
Chinni

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halloarindam     08/04/2015 00:21 AM
 


Hi All,

I had a difficult situation while my mother was visiting me last time. I purchased her medical insurance from Insubuy , the best one available from their website.

One day she had Major abdominal pain started in the middle of the night , she was taken to emergency room and within 24 hours she had to go for a surgery. Hospital got pre-authorization from the insurance company before the surgery . However all the claims related to her surgery was denied by the insurance company due to "pre-existing" limitations.

Then I contacted Insubuy for help. They helped me filing the appeal to the insurance company , they helped me collecting all the required documents from providers and after a long wait insurance company finally agreed to pay for her claims. This was such a relief for my family.

Special thanks goes to Fallon from Insubuy for her kind help.

I highly recommend buying visitor insurance from Insubuy.
 
Thanks,
 

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insubuy     06/05/2015 17:03 PM
 


This testimonial was received by email and reproduced here verbatim.

---------------------
To Management:

I wanted to make everyone at Insubuy aware that Fallon went above and beyond in assisting me with my medical claim. She is responsive in every way and kept me aware of the progress at all times.

Thank you.

Sandy L.

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Amit321     06/05/2015 00:05 AM
 


Hi My Father is visiting me in US heis 75yrs old ,he suffered from a small stroke (ischemic) about a month back howeever he has recovered well and the doctor has cleared him for travel. I wanted to buy insurance for him however most insurance I have seen give very minimal coverage for pre existing conditions at his age. esp for ER visits which is my main concern. Otherwise I am thinking to completely let go of covering pre existing conditions and just take insurance cover for other health issues since paying a high premium for a nominal coverage of 2.5k or so is useless.

Any advise on insurance options esp ering covPre Exisiting ones would be helpful

thanks


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insubuy     05/01/2015 13:39 PM
 


It is advisable that you purchase the visitors insurance before the trip starts and keep the insurance for the entire trip.

We recently got a phone call from a customer who just purchased the insurance and wanted to change the effective date from the next day to the same day. When asked why he wanted to do that, he initially protested and hesitated about why we are even questioning him. After some discussion, he revealed that his mother is already in the hospital now.

It seems that his mother arrived 2-3 weeks ago, and when she was hospitalized, he hurried up and bought the insurance and later realized that it only started from the next day. Therefore, he wanted to change the effective date to today to cover the hospitalization that already occurred.

Obviously, no insurance company (that sells any kind of insurance anywhere) can afford to just give away money to people who need to claim. No company can stay in business like that.

When asked why he didn't purchase the insurance so far, he said that he thought that the visitors insurance can be purchased instantly online and can be made effective right away. Therefore, he didn't feel the need to purchase earlier.

He continued to argue and request and he also said that "It seems you are Indian and I am also Indian. Therefore, can you do something on that basis?" Obviously, nothing can be done about it. His only option is to pay out of pocket at this point.

Had he purchased the insurance before she arrived into the US, that hospitalization might have been covered. But at this point, it was too late.

The basic logic of insurance is that many people pay the small premium and if few people need large amounts unexpectedly, insurance company will pay them while covering their expenses and profit. If only people who buy the insurance are the ones who need it, there is no way to provide large sums of money to all of them.

I hope this would help others in making the right decision to get proper coverage for their visiting families.

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insubuy     04/22/2015 16:17 PM
 


This was sent by one of our customers regarding a staff member.
--------------------------------------------
I've owned retail business's for over 40 years,

Brittany at Insubuy, is doing a wonderful job, as well as being a great representative for Insubuy.

My situation is best described as a consequence of automation which Brittany is working to unravel.

I know she will resolve the confusion on my account efficiently and as quickly as possible.

I will continue to work with Insubuy because you have such a trustworthy employee I can count on to follow through with customer service.

Thank you for having Brittany on your staff.

I am not a relative of hers (lol) just a very satisfied client.

Fred Simons

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insubuy     03/28/2015 16:59 PM
 


This was sent by one of our customers regarding a staff member.

--------------------------------------------------------------------

Thank you for your email, sorry I haven't got back to you sooner, I am sorted now I spoke to Kim who was extremely helpful we have a plan in place now for my son Adam.

I must say Kim is a credit to your company she explained all the plan so well I can sleep at night knowing my son has the right cover.

Kind regards
Mrs carol p

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insubuy     03/19/2015 15:36 PM
 


If you search for the reviews about a specific insurance company, you may find many reviews and a lot of them may be negative reviews because that is what most people really care to share.

No insurance company is perfect, and some cases may fall into grey areas or some may be stuck in the administrative procedures etc. or there might be miscommunication. That is when Insubuy, as a broker, tries to help our customers.

We were approached with one such case recently where the claim for an elderly lady visiting from India was denied. After hearing the details of the matter over the phone, and looking at her purchase details, it was clear to us that the insurance was purchased after she was already sick. She was in the hospital emergency room on the same day as the date of transaction and the purchase was made later in the evening.
 
However, to give her the benefit of the doubt, we got the standard privacy release form filled out and requested her to send us the medical records and the communication with the insurance company.

Looking at the information provided to us, other than the fact that the person visited the emergency room on the same day, no further information about the timing was available. We are not sure whether the insured didn't have the records that showed all the timings or they purposely didn't show that to us.

Insubuy worked diligently with the insurance company and found the following details:

Person arrived in the US on: August 9, 2014
Person was in the US till: January 23, 2015
Insurance purchase date/time: December 10, 2014 9:23 PM Eastern Time (6:23 PM Pacific Time).
The insurance purchased from December 10, 2014 to January 9, 2015 (1 month)
Problem started: December 10, 2014 5:30 PM Pacific Time (as per medical records).
Discharged from the hospital: December 10, 2014 8:31 PM Pacific Time
The same insurance was not extended beyond January 9, 2015 till January 23, 2015.

This visitor was already in the U.S. for 4 months and she or her son bought this particular insurance after she fell sick, picked the policy that started the same day and immediately rushed to the emergency room. Obviously, visitors insurance plans are not meant to cover people who are already sick. In fact, no insurance company selling any kind of insurance can afford to pay out already known losses.

We are very glad that the insurance company correctly processed the claim and legitimately declined it. This really helps keep the premiums low for everyone else while paying the genuine claims to people who have legitimate claims.

Moreover, we discovered that all this time, the visitor’s son from USA was communicating through his iPad pretending to be his mother who was already in India.

Many such customers would hide their dishonesty and go ahead and write negative reviews about the insurance company rejecting their claim.

All we can advise to such customers is that anything can happen to anyone at any time. Therefore, you should consider buying visitors insurance before your visitor arrives in the U.S. and keep them insured for the entire duration with the same plan.

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