Insubuy

Insubuy is a Texas-based travel and visitors medical insurance marketplace that has sold international medical, trip cancellation, study-abroad, new-immigrant, green-card-holder, and Schengen-area policies since 2003. The product menu is aimed squarely at inbound US travel: visitor visa medical for parents and relatives on B1/B2 visas, J1 and F1 student plans, expat and crew coverage for long-term stays, new-immigrant plans that bridge to ACA enrollment windows, and trip cancellation/interruption coverage. Underwriting comes from third-party carriers the company resells (IMG, Seven Corners, Trawick, WorldTrips, IMG Europe, GeoBlue), and Insubuy operates as the independent licensed agency and comparison engine rather than a risk carrier.

Typical buyers are US-bound travelers and their US-based sponsors, Indian and Chinese visa applicants booking trips for parents, international students finalizing visa requirements, and new permanent residents waiting out pre-existing-condition timelines or ACA open enrollment. For affiliate publishers covering immigration, visa-paperwork, study-abroad, or parent-visitor topics, Insubuy slots in as the natural commerce layer: the comparison tool lets readers enter ages, dates, and deductible preferences and see side-by-side quotes from multiple carriers, which reads as editorial content rather than a single-carrier sales pitch. Commission is paid on the insurance premium sold, so higher-age travelers, longer stays, and low-deductible plans all pay more. The downside for creators is that approvals take up to two weeks and pre-approval vetting is strict because the product is a regulated insurance sale.

Insubuy runs a direct Partner Program at insubuy.com/partner-program/ and also distributes the offer through the Travelpayouts affiliate network, which is the most common route for content creators and travel bloggers. Direct partners are typically licensed insurance agents, visa consultants, and immigration firms; Travelpayouts handles the content-publisher side with tracked deeplinks, banners, comparison widgets, and a standard affiliate dashboard. Publishers apply at Travelpayouts, select the Insubuy offer, and wait for manual approval (Insubuy vets each partner, which can take up to two weeks).

Commission is paid per policy sold. Travelpayouts lists USD 7.50 on a minimum USD 50 policy at the entry tier, scaling up to roughly USD 150 per sale for higher-premium plans (long-duration, older traveler, low-deductible), with a 30-day click-to-purchase cookie. Because the product is a regulated insurance sale, commissions only accrue once the policy's effective date has passed and the moderation review clears, which pushes payouts out by a few weeks relative to the sale date. Travelpayouts pays monthly on a USD 50 minimum via PayPal, Payoneer, WebMoney, or wire transfer, and issues 1099 / W-8BEN paperwork directly. Self-policies, refunded policies, and coupon-driven traffic are excluded.