Insubuy
Insubuy, LLC is a privately held online insurance brokerage and marketplace, founded in 2000 and headquartered in Plano, Texas, that aggregates travel medical, visitor, student, and expatriate insurance products from 11 carrier partners and distributes them to international travelers and US-bound visitors via a multilingual self-serve platform.
- Company typePrivate
- Founded2000
- HeadquartersPlano, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Insubuy does
Insubuy, LLC is a privately held online insurance brokerage and marketplace founded in 2000 by Narendra and Jagruti Khatri in Virginia and headquartered in Plano, Texas. The company operates insubuy.com as a direct-to-consumer aggregator and licensed broker, distributing travel medical, trip cancellation, visitor, student, immigrant, expatriate, missionary, and short-term medical insurance products on commission from 11 carrier partners including WorldTrips, IMG, Trawick International, Travelex, Blue Cross Blue Shield Global, and Allstate Health Solutions. The platform supports self-service quoting, multilingual interfaces in English, Chinese, Spanish, Portuguese, Japanese, Korean, Arabic, Italian, and Russian, and is licensed as an insurance broker/agent in all 50 US states plus DC (NPN: 7262413).
The technology stack consists of a custom-developed proprietary platform originally built in-house in 2005, augmented with the MyAccount customer portal, the BrokersNexus B2B affiliate dashboard, the OmniSecure API for partner integrations, and the Scout AI conversational assistant for plan comparison and customer support. Distribution channels combine self-serve online purchase, phone-based inside sales with licensed agents (Mon–Fri 8 AM–7 PM CT), WhatsApp and online chat, and an affiliate/broker network through BrokersNexus. The business model is commission-based brokerage revenue on each policy sold, supplemented by a recurring subscription on the Careington Dental/Vision discount plan. Secondary offices include a Trucordia location in Lindon, Utah opened in 2024. The company operates with no external institutional investors, no parent company, and no subsidiaries disclosed.
Insubuy firmographics
Firmographics- Name
- Insubuy
- Legal name
- Insubuy, LLC
- Website
- https://insubuy.com
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Insubuy, LLC is a privately held online insurance brokerage and marketplace, founded in 2000 and headquartered in Plano, Texas, that aggregates travel medical, visitor, student, and expatriate insurance products from 11 carrier partners and distributes them to international travelers and US-bound visitors via a multilingual self-serve platform.
- Ownership category
- akta.pro rank
Insubuy industry classification
Industry- Product category
- Online Travel and International Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Related Activities (52429)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311)
- akta.pro primary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
- akta.pro secondary industries
- Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance (THALALAK), International/Expatriate Individual Health Insurance (FSAIAEAH), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ), Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE)
Keywords
Where Insubuy is headquartered
LocationHeadquarters
- HQ city
- Plano
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Insubuy business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure
Revenue model
- Insurance Brokerage Commissions: Insubuy operates as a licensed insurance broker earning commissions from insurance carriers for policies sold. They represent multiple insurance partners including WorldTrips, IMG, Trawick International, and others.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Careington Dental/Vision Discount Plan - Monthly |
| Subscription | Annual | Careington Dental/Vision Discount Plan - Annual |
| One time/ perpetual license | Pay-as-you-go | Flight Insure - Single Trip Coverage |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels8 records
Insubuy product offering
Product offeringCore offering
Insubuy is an online insurance brokerage and comparison marketplace that aggregates travel medical, visitors, student, immigrant, expatriate, and specialty insurance plans from multiple carrier partners and sells them to consumers worldwide. The company operates as a licensed insurance broker in all 50 US states and DC, earning commissions on policies purchased through its self-serve website, licensed agent phone/chat sales, and the BrokersNexus B2B affiliate platform. Its product suite centers on insurance for non-US residents visiting the USA, international students and exchange visitors, immigrants and green card holders, expatriates, marine crew, and missionaries, alongside ancillary products such as trip cancellation, flight accident, AD&D, dental/vision discount plans, disability, life, and kidnap and ransom coverage.
Product overview
Insubuy is an online insurance marketplace and brokerage platform offering a comprehensive portfolio of travel, medical, and specialty insurance products. The platform operates as a comparison marketplace enabling customers to research, compare, and purchase insurance plans from multiple carrier partners. Core products include Visitors Insurance for USA-bound travelers, Travel Medical Insurance for international trips, Trip Cancellation Insurance, and specialized coverage for students (F1/F2, J1/J2, OPT), immigrants, expatriates, missionaries, marine crew, and short-term medical needs. The product suite includes named sub-brands such as Flight Insure (flight accident), Careington Dental/Vision (discount plans), and Allstate Short Term Medical, alongside AI-powered features including Scout AI for plan comparison and customer support. The MyAccount platform provides customer self-service for policy management, claims, and Express Repurchase functionality. Insubuy distributes products from 11 insurance carrier partners including WorldTrips, IMG, Trawick International, Travelex, Global Underwriters, and others, serving both US residents and international travelers through a multilingual website available in 8 languages.
Differentiator
Problem solved
Functional benefit
Brands
- BrokersNexus: B2B partnership program for affiliated agents and brokers to track sales and manage insurance offerings.
- MyAccount
- Scout AI
- OmniSecure API
Products and services
- Visitors Insurance
- Travel Medical Insurance
- Travel Insurance (Trip Cancellation)
- International Student Insurance (F1/F2)
Quantifiable outcome
- Over two decades of customer experiences and reviews
- +1 more outcomes
Companies that use Insubuy
Customer profileNamed customers4 records
Segments6 records
Ideal customer profiles4 records
Insubuy technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature5 records
Insubuy partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core, secondary and minor.
- WorldTripscoreWorldTrips offers travel medical and trip protection insurance tailored for individuals, families, corporations, and service groups worldwide.
- IMG (International Medical Group)coreIMG offers award-winning global insurance and assistance services for travelers, students, missionaries, and more. In business since 1990.
- Trawick InternationalcoreTrawick International provides worldwide travel medical, trip, and student insurance with customized plans covering hospital stays, emergencies, and cancellations.
- Azimuth Risk SolutionssecondaryAzimuth Risk Solutions leverages nearly 30 years of international insurance expertise to provide exceptional value in health and travel insurance.
- Travel Insurance Services (TIS)secondaryTIS provides medical travel insurance, travel insurance, and emergency medical evacuation for various needs at reasonable premiums.
- Global UnderwriterssecondaryGlobal Underwriters has been dedicated since 1973 to educating, servicing, and managing international health, life, property and casualty insurance risks.
- Petersen International Underwriters (PIU)secondaryFor over four decades, PIU has been recognized for expertise and innovation in life and health insurance industries.
- Blue Cross Blue Shield GlobalsecondaryBCBS Global provides peace of mind to travelers and expats via an elite provider network, online tools, and exceptional service.
- Careington International CorporationsecondaryCareington is a responsive, solutions-driven company in the international dental access market, offering dental and vision discount plans.
- Allstate Health SolutionssecondaryAllstate Health Solutions has helped more than 350,000 people find health insurance with various plans, benefits, and prices.
- Travelex Insurance ServicessecondaryTravelex is committed to delivering exceptional travel insurance products at competitive prices with excellent customer service. Headquartered in Omaha, NE.
- New York Gladiators Cricket ClubminorInsubuy proudly sponsors the New York Gladiators Cricket Club as part of community partnership initiatives.
- PCF Insurance ServicessecondaryPCF Insurance Services expanded their network connections through partnership with Insubuy, gaining access to international travel insurance products.
Scale indicators4 records
Recent moves11 records
Expansion highlights5 records
Insubuy competitors and assessment
Company assessmentDirect peers
- Squaremouth: Online travel insurance comparison marketplace that aggregates multiple carriers for side-by-side quoting. Direct competitor to Insubuy in the same travel-insurance aggregator category with comparable zero-bias comparison positioning.
- VisitorsCoverage: Online marketplace specializing in visitors insurance and travel medical coverage for non-US residents visiting the USA. Most direct head-to-head competitor in Insubuy's flagship visitors-insurance category.
- TravelInsurance.com: Comparison marketplace focused on trip cancellation and travel medical insurance for US residents. Overlaps directly with Insubuy's travel-insurance and trip-cancellation product lines.
- Seven Corners: Specialty travel insurance carrier and program administrator offering international travel medical, student, and trip-cancellation plans. Both a carrier partner candidate and a competitor with direct consumer channels in the same niche.
Broad incumbents
- WorldTrips: Major travel medical insurance carrier (formerly Atlas/WorldNomads-adjacent) selling direct to consumers worldwide. A core carrier partner for Insubuy that also competes in the same end market with branded products.
- IMG (International Medical Group): Global insurance carrier specializing in international medical, travel, student, and expatriate coverage since 1990. Both a key Insubuy distribution partner and a broad incumbent competing for the same end customers.
- Allianz Travel: Largest travel insurance carrier globally, selling direct online across trip-cancellation, travel-medical, and ancillary products. Competes with Insubuy for paid-search traffic and the same travel-insurance buyer.
- AIG Travel: Major carrier offering direct-to-consumer trip-cancellation and travel-medical plans under the AIG brand. A broad incumbent that competes for the same US-based leisure-traveler segment.
- GeoBlue (BCBS Global): International travel and expatriate health insurance provider backed by Blue Cross Blue Shield. Both a carrier partner for Insubuy (Blue Cross Blue Shield Global) and a direct competitor in the expatriate/visitor segment.
Emerging players
- SafetyWing: Digital-first travel medical insurance provider popular with remote workers, digital nomads, and frequent international travelers. Emerging competitor targeting a younger, online-native segment that increasingly overlaps with Insubuy's international-traveler base.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Insubuy social profiles
Digital presenceInsubuy compliance and trust
Trust signalCompliance5 records
Insubuy financial estimates
Financial estimateRevenue estimate
Valuation estimate
Insubuy leadership team
Management profileNumber of profiles
Profiles3 records
Insubuy funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Insubuy M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Insubuy
What does Insubuy do?
Insubuy is an online insurance brokerage and comparison marketplace that aggregates travel medical, visitors, student, immigrant, expatriate, and specialty insurance plans from multiple carrier partners and sells them to consumers worldwide. The company operates as a licensed insurance broker in all 50 US states and DC, earning commissions on policies purchased through its self-serve website, licensed agent phone/chat sales, and the BrokersNexus B2B affiliate platform. Its product suite centers on insurance for non-US residents visiting the USA, international students and exchange visitors, immigrants and green card holders, expatriates, marine crew, and missionaries, alongside ancillary products such as trip cancellation, flight accident, AD&D, dental/vision discount plans, disability, life, and kidnap and ransom coverage.
Is Insubuy a public or private company?
Insubuy is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Insubuy founded?
Insubuy was founded in 2000. It employs 11 to 50 people.
Where is Insubuy based?
Insubuy is headquartered in Plano, United States, in the North America region.
How does Insubuy make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are Insubuy's main competitors?
Direct peers on record are Squaremouth, VisitorsCoverage, TravelInsurance.com and Seven Corners. Broad incumbents are WorldTrips, IMG (International Medical Group), Allianz Travel, AIG Travel and GeoBlue (BCBS Global). SafetyWing is listed as an emerging player.
Does Insubuy have an API?
No public API is recorded for Insubuy.
What industry is Insubuy in?
Insubuy's product category is Online Travel and International Insurance Brokerage. Its primary akta.pro industry code is FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms, with a secondary code of THALALAK, Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance. Its NAICS code is 524210 and its SIC code is 6411.