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          Insubuy, LLC has 1 locations, listed below.

          *This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

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            Business ProfileforInsubuy, LLC

            Travel Insurance
            BBB accredited business

            At-a-glance

            Customer Reviews

            1/5stars

            Average of 1 Customer Reviews

            Customer Complaints

            3 complaints closed in last 3 years

            2 complaints closed in last 12 months

            BBB Rating & Accreditation

            Accredited Since: 3/20/2007

            Years in Business: 23

            Customer Reviews are not used in the calculation of BBB Rating

            Overview of BBB Rating

            Products & Services

            This company offers marketing of International Travel Insurance online.

            Business Details

            BBB File Opened:
            3/20/2007
            Years in Business:
            23
            Business Started:
            12/27/2000
            Business Started Locally:
            12/27/2000
            Business Incorporated:
            12/1/2000
            Accredited Since:
            3/20/2007
            Type of Entity:
            Corporation
            Hours of Operation

            Primary

            M:
            8:00 AM - 7:00 PM
            T:
            8:00 AM - 7:00 PM
            W:
            8:00 AM - 7:00 PM
            Th:
            8:00 AM - 7:00 PM
            F:
            8:00 AM - 7:00 PM
            Contact Information

            Principal

            • Mr. James Nuttall, Principal

            Customer Contact

            • Mr. James Nuttall, Principal
            Additional Contact Information

            Fax Numbers

            • (972) 767-4470
              Primary Fax

            Industry Tip

            BBB Tip: Is travel insurance right for you?

            Customer Complaints

            3 Customer Complaints

            Need to file a complaint? BBB is here to help. We'll guide you through the process. How BBB Processes Complaints and Reviews

            File a Complaint

            Most Recent Customer Complaint

            12/28/2023

            Complaint Type:
            Problems with Product/Service
            Status:
            Answered
            I helped my father procure medical insurance for his travel from ***** and even renewed it with additional premiums to maintain continued coverage. I came to know about insubuy from TV advertisement and thought it was reliable based on BBB rating.He was admitted to the hospital after going into ** with severe and what felt like life-threatening respiratory distress. Before the episode, He was recovering from a bout of covid he got in November 2022. The cold season was slowing recovery, and he was under constant respiratory stress. He had heavy congestion due to mucus and continued cough. He was treated on couple of occasions by local doctor with antibiotics, steroids and breathing treatments. (I should note here the insurance company did not honor any claims for these doctor's ****** visit either. The reason for rejection on one occasion stated that weight loss or obesity reduction surgery is not covered indicating how carelessly these claims are reviewed and they are just issuing blanket denial for any claims)His condition improved briefly. But in May 2023, he had increased breathing trouble and his doctor advised him to go to ** for admission and treatment.All the unpaid medical bills and the fact that insurance company hasnt honored their side of the deal has been causing severe mental distress and anxiety. My father is retired from a simple govt employment back in his home ****************, He has no means of paying for all these medical expenses and that was precisely the reason I had arranged to purchase the insurance coverage before travelling to US.At the hospital various tests were performed and he was treated mainly for breathing issues. He was administered antibiotics, steroids, and periodic breathing medications. **** showed signs of pneumonia and debris in his lungs. These treatments slowly improved his condition. I have submitted all hospital records to the insurance company. Given his age and risk factors several tests were performed to test for heart failure. There was no conclusive diagnosis for heart failure but moderate aortic stenosis was noted. He was not treated for his heart condition. None of the doctors at the hospital ever established a cause of breathing issues he was experiencing. None of the treatments were directed towards that either. He has not had any major treatment before admission to the Hospital. Further, after his discharge following treatment for pneumonia and breathing issues, He hasnt had any recurrence. There are multiple places in the medical records where its clear that he was being treated for respiratory infection. There was just some speculation in the ** note about heart failure. The insurance is rejecting all claims stating it is complication of a preexisting condition. As explained above that has not been clearly established In any case the policy we purchased did cover acute onset of preexisting conditions. They are making all efforts to direct the claims towards a very narrow cause of rejection related to acute onset of preexisting condition that is Chronic or congenital. This is unfair and not accurate.Please help me resolve this dispute with insurance company to honor the claims for my fathers treatments.
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            Customer Reviews

            1 Customer Reviews

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            How BBB Processes Complaints and Reviews

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            Most Recent Customer Review

            Carlos Eduardo S

            12/08/2023

            I purchased a 12-month health insurance policy through Insubuy, which was fully paid in advance before the start date in October '22. The policy was underwritten by IMG.In November '22, I injured my knee after slipping from a low stone wall. By December, with persistent swelling and pain, I visited a doctor as advised by my insurance. I paid $100 to activate the health coverage and followed up with prescribed physiotherapy sessions.Months later, my knee issues resurfaced, leading to an *** that diagnosed a meniscus injury. Treatment advised was non-surgical, focusing on strengthening routines. However, in early November '23, I received collection notices from both the physiotherapy clinic and the *** lab, stating that IMG refused to cover the costs.Upon investigating, I found that the denial was based on these treatments supposedly not being covered, which contradicted the policy terms. Insubuy promised to intervene with IMG for reimbursement. Yet, on December 8th, I was informed that my claims were denied due to not providing information within a 60-day post-treatment windowa window I was never made aware of by IMG, not through mail, email, or phone.Expressing my dissatisfaction to Insubuy only resulted in an acknowledgment of my unfortunate situation with no further recourse.To sum it up, I paid for a service that was supposed to safeguard my health, only to face hurdles when I needed it the most. IMG's failure to communicate crucial information and its subsequent refusal to honor its obligations has left me with outstanding medical bills and a feeling of betrayal. This experience has been not only a financial burden but also a source of stress and disappointment in a time of vulnerability.

            Insubuy, LLC Response

            12/11/2023

            Insubuy, LLC has no dealings the claims process for *************************** in which this compliant is directed. Insubuy is an online marketplace that hosts several companies policies however, Insubuy does not process any insurance purchases nor do we make claims decisions. The customer negative experiece was with IMG not Insubuy this is IMG's customer and this complaint is directed towards the incorrect company. 

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