Insubuy review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Insubuy is a US broker aimed at expats and seniors, operating as Insubuy, LLC from US since 2000. It quotes across travel, health and dental rather than a single line, and support comes through phone, chat and email, so several cover types and a named contact route sit with a single broker.

Key facts

Best for
Expats and seniors in the US who want travel, health, dental, life and income protection quoted through a single broker.
Insurance types
Travel, Health, Dental, Life, Income-protection (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Legal entity
Insubuy, LLC (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2000 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email (Source, checked September 26, 2026)
Audience
Expats, Seniors
Official website
insubuy.com

Apps and profiles

Elsewhere
TrustpilotLinkedInXimmihelp.com

Pros and cons

Pros

  • A single broker lists travel, health and dental, so several cover types sit in the same place
  • Support runs on phone, chat and email, so phone, chat and email are all offered
  • A US broker serving expats and seniors, a pairing 44.8% on the wider site
  • Trading since 2000 from US as Insubuy, LLC, so the contracting party is named

Cons

  • Auto, home, renters, pet and motorcycle cover is not among its travel, health and dental, so a vehicle or property quote has to come from elsewhere
  • As a broker rather than an insurer, cover is set by the carrier it places you with
  • Visitors insurance is the only line with its own page, so the other lines are less clear
Insubuy

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Scored 9.0 / 10 by AssureCue.

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Who it suits

  • Expats living in the US who need travel, health, dental, life and income protection handled together
  • Seniors comparing cover with help by phone, chat and email
  • Readers who prefer a broker picking carriers over choosing an insurer directly

Who should look elsewhere

  • Anyone who wants a published premium per line, since no price is listed
  • People who want an insurer's own policy wording rather than broker-placed cover
  • Readers outside the US, where the broker is not established

How Insubuy compares

Where Insubuy is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Insubuy actually sell?+

Insubuy is a broker rather than an insurer, and the legal entity is Insubuy, LLC. Its insurance types are travel, health and dental. Because it places cover with carriers rather than underwriting it itself, the policy terms come from the carrier chosen for your case.

How much will cover cost?+

No price is published for any of the lines, so a cost comparison is only possible after a quote. Across the wider market the median starting premium is €8.37, with a lower quartile of €2.92 and an upper quartile of €29.72.

Who is Insubuy built for?+

The stated audience is expats and seniors. The wider site skews the same way, with 68.2% and 44.8% of the listings aimed at those groups, so visitor and senior needs drive most of what the broker handles.

How do I get help when a policy is live?+

Support runs on phone, chat and email, giving phone, chat and email. The legal contracting entity is Insubuy, LLC, and the business is based in the United States, so US-based callers can deal with the team in their own time zone.

Can I buy life and income protection from the same place?+

Yes. Life and income protection are both inside travel, health and dental, alongside travel, health and dental. That is broader than Linxea, which lists life only, and broader than Oney, whose lines are health, life and gadget.

Does Insubuy cover a year of living abroad?+

Travel cover is listed in travel, health and dental and visitors insurance has its own page, which suggests short stays and relocation trips are the core use. Beyond that, no cover length is given, so long-term residency protection would need to be asked about directly.

What kind of company is behind the quotes?+

The entity kind is broker, not an insurer, so the contract sits with a carrier and the broker handles placement. On the wider site, 42.4% of listings are insurers and 37.2% are brokers, the same split you would expect here.

How established is the broker?+

Insubuy has been operating since 2000 and is headquartered in the United States. The wider market it draws on lists 494 brands, of which 332 are licensed, so the carrier pool is fairly deep.

Sources

  • insubuy.com checked September 26, 2026

    Backs: Audience

    “Expatriate health insurance offers renewable major medical coverage for individuals and families who spend most of their time living outside the US, including retirees and long-term travelers.”

  • insubuy.com/visitors-insurance checked September 26, 2026

    Backs: Insurance types, Legal entity, Support channels

    “Misc: Accident (AD&D), Dental Plans, Disability, Expatriate Health, Life Insurance, Short Term Medical; International Medical: Visitors Insurance, Travel Outside U.S.A.”

  • linkedin.com/company/insubuy checked September 26, 2026

    Backs: Founded, Headquarters

    “Founded 2000”

  • travelpayouts.com/blog/insubuy-affiliate-program checked September 26, 2026

    Backs: Provider type

    “Insubuy is the largest provider of Visitors Insurance for foreigners visiting the USA and an award-winning brokerage company with over 20 years of experience”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

Insubuy

Insubuy

Expats and seniors in the US who want travel, health, dental, life and income protection quoted through a single broker.

9.0/10See alternatives

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