Should I use an online broker to buy travel medical insurance or Should I buy from the insurance company website?
Upvote:3
I am the representative of insubuy and we are replying to this question because the original poster has questions about our company.
You should always purchase from a broker such as insubuy because there are many advantages such as expert advice in plan selection, side by side comparison and after sale support, longer service hours etc. Please read our webpage on the topic for further details.
And of course, there is no disadvantage in purchasing from a knowledgeable broker such as insubuy as the prices are the same as anywhere else.
Regarding discounts, they are illegal. Any licensed agent who passes the exam before getting license has to study that. The state laws in the US explicitly prohibit that. You can definitely confirm that by calling your state's Department of Insurance.
Upvote:4
The advantage of using online brokers and comparison sites is that they allow you to compare multiple plans at once, even though you will get the same price whether you end up buying through them or buying directly from the company. Legally, there are no discounts on travel insurance in the US.
Online brokers like the one you mention are very reliable and make it easy to compare a variety of plans.
This article talks more about the difference between buying directly from the insurance company and buying from an online broker:
http://www.visitorsinsurancereviews.com/buying-visitors-insurance-from-comparison-site/
There's also some information and reviews about the plan you were considering:
http://www.visitorsinsurancereviews.com/atlas-america-insurance/
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