Visitors Insurance

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.

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

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

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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

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.

This review/feedback was sent by one of our customers by email and we are posting here for the benefit of everyone.

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Hi,

I was in my businesses for 50+ years. From day #1 I knew that people are the repeating successful factor in every direct contact business.

Without going into the details that make me take the time to tell a business, you (Insubuy) have a powerful business asset, her name is Brittany (ext #118).

I don't know what her "title" is except as to how a client (or POTENTIAL CLIENT), would refer to her as a wonderful representative of your whole company.

Lately I haven't dealt with many people that represent their company, I have experienced many phone menus, recorded messages and the purposeful avoidance of individual contact for customers with employees.

Bottom line, intentional contact with this young lady will sell more policies for Insubuy. When my wife no longer needs this policy I will call Brittany for her advice (!) for our next longer term policy (policies).

Thank you for the respectful and informative treatment your clients receive from Insubuy, by way of your excellent representative, Brittany.

Respectfully,
Fred S

PS: I'm not related to her (LOL) but I would definitely hire her.

Hi, My grandma is planning to visit us in the US and she is 80 yrs of age. I have reviewed most insurance plans they either do not have coverage for 80 yrs visitors or they do not cover pre-existing conditions. My grandma has diabetes and hence I wanted to know if anyone has had a similar experience of a visitor of that age and can you suggest me a good option for visitor insurance? thanks in advance for your time in this regard.

BAJAJ ALLIANZ Travel Insurance is running comple global level FRAUD. They are declining claims without looking at anything. the guy name LAKSHMI is running this fake and fraud practise and he thinks ALL CLAIMS falls under PRE EXISTING condition.

I have been contacting USA investigation agencies to analyse bigger scope of BAJAJ ALLIANZ Travel Insurance fraud practises operated by LAKSHMI and his fake doctor's medical team. All preexisting condition denials claims will be researched and investigated under this.

 would like to share my worst experience with ICICI Lombard. I still repent the day when I took travel insurance from ICICI Lombard for my mother.

When my mother was admitted to the hospital in Sydney in very serious critical condition, ICICI Lomabrd assured us that they will process the claim as cashless immediately but after running from pillar to post for 2 months the claim was approved as cashless. But the team at ICICI played a very nice game they never paid any money to hospital for 6 months, and assured us that if we clear the bill they will process our claim in 15 days.

We cleared the bill and again they took us for a ride and after 10 months they rejected our claim citing some clauses in their T&C. After that we have been trying to get in touch with their customer service, grievance cell and even the senior management are very very un-cooperative.

Guys please be very very careful in taking any type of insurance from ICICI Lombard.

I had taken a Tata AIG Travel Guard Gold policy for USD 200000 during my travel to USA in Feb. 2012 . They never explained daily sub limit clauses . I had a total bill for USD 23046 for one day . After lots of cajoling and pressure , they settled for only USD 4642 . Now the hospital has referred the claim to a collection agent who are harassing me . TAIG daily Sub limits are too low compared to US standard hospital charges .

I cross checked with many others who have taken TAIG policies and the faith is the same. Please be double sure in case you still prefer for TATA AIG foreign travel policy.

Hi All,

This is my first post / feedback / review on any website !!

My in-laws came to US on May 2014 & I bought Atlas America (Comprehensive coverage) from Insubuy.com after doing some research and reading other’s reviews.

After 4 week’s of stay in US my mother in-law fell severely sick and was first taken to urgent care and then to hospital emergency. She was hospitalized for 7 days and the total bill for the service came to $ 68 K.

Initially all the bills were denied by the Insurance company based on the non-availability of medical records. We did the follow-up with Hospital & Insurance company to bridge the gap but there was a catch 22 situation. At that time we called Insubuy. Insubuy's team pitched in quickly and was very helpful in resolving the issue. He followed up with insurance company on our pending bills and asked them to look into the matter on priority.

Though I haven't had any prior experience in handling claims with Indian Insurance company but reading the experiences from others, I do feel that buying an insurance from US provider (and specially from Insubuy) was definitely a better choice.

The last bill of $ 42 K was paid to the Hospital by insurance company yesterday.

I sincerely want to thank Insubuy team for not only providing the right products but also supporting the customers when they really need.

The reason I posted this review is (A) I would like to acknowledge the effort of Insubuy (B) The way I was able to decide on buying the insurance by reading other’s reviews, similarly I hope my review comment would be helpful to others as well.

I will definitely recommend Insubuy products to my friends. Thank you.