We bought medical insurance for HCCMIS through Insubuy for my parents, visiting here last year. My dad has a history of cancer, but has been in remission for 2 years. When they visited, he had to be hospitalized with high fever and chills and it appeared to be a bad infection. HCCMIS denied all claims saying that the condition is pre-existing. We filed an appeal in September and nothing moved till December. At this point, we contacted Insubuy and Fallon Galloway stepped in to help us. After talking to the agents at HCCMIS, talking to her was like a godsend. She helped us obtain and send medical records, and basically talked us through every step of the process. She was always courteous, even when delivering bad news, and so prompt at every stage of communication. With her help repeated follow-ups, HCCMIS finally paid out all the claims! Personally, I would not do business with HCCMIS 1:1. However, going through Insubuy saved us this time, and that's what we will do for our future visitor insurance needs. Thank you, Fallon!