Licensed agency · For your whole family · Over WhatsApp
Protect your family. Without overpaying.
Health, life, auto and home — one agency for your whole family. Get a quote on WhatsApp and we tell you the real price in minutes. In your language, from the very first message.
Prefer to talk? Send us a voice note.
Quote in under a minute
Tell us what you need. We reply in minutes.
Not sure what you need? Tell us what worries you and we’ll help you decide. Then we continue on WhatsApp with your info ready.
What do you need to protect?
For you and your family
Your car and your home
One agency for your whole family
What insurance do you need today?
Pick a line and we'll help you over WhatsApp, with the documents you already have.
Insurance with an ITIN
No Social Security? With an ITIN, passport or consular ID, you do qualify.
$0 cost to you — the insurer pays our commission
How it works
Your insurance, in a single conversation.
No apps, no forms, no lines. This is what getting a quote with Cubierto looks like.
Message us like any other contact
Text or voice note, however you prefer. We reply in minutes, in your language — no apps, no forms.
We tell you the real price
Many families think insurance costs more than it does. You see your real price in the chat — no fine print, no obligation.
One agency for your whole family
Health, life, auto and home in one chat. And we stay with you after the sale — changes, renewals and claims, in your language.
Prefer to talk? Send us a voice note.
For your peace of mind
We never sell your data. We never share it with immigration authorities. Period.
Your information is protected by the federal privacy law (GLBA). We use it to quote, activate and service your insurance — and we only share what's needed with the insurer you choose to activate your policy. And you don't need Social Security: we work with an ITIN, passport, consular ID or your home-country license.
FAQ
The questions everyone asks.
No. Never. Cubierto does not share your information with immigration authorities and never sells your data. We only share what's needed with the insurer to quote and activate your policy. Your information is protected by the federal privacy law (GLBA).
No. We work with the documents you already have: ITIN, passport, consular ID or your home-country license. You do not need Social Security to get a quote.
Less than you think. Many families believe it costs more than it really does. The price depends on your age, your health and the coverage — that’s why we don’t give you a made-up number: we give you yours, free and in minutes, over WhatsApp.
Zero. Insurers pay us a standard commission — you never pay more for quoting with us than going direct.
No. Receiving help for your Marketplace plan does not make you a "public charge" and does not affect your immigration case. And if you request coverage only for your eligible children or relatives, the status of those who do not apply is not asked.
We’ll tell you straight: for 2027 plans, statuses like TPS, asylum or refugee no longer receive government help in the Marketplace, and DACA has been excluded since 2025. Even so, many families have options — eligible children or relatives, or coverage without a subsidy. We check it for you, free and with no obligation, over WhatsApp.
In many cases, yes. There are final-expense policies that help cover the funeral and the transport. Between the funeral and the transport, costs reach several thousand dollars. Ask us what options exist in your state.
No. Cubierto is a licensed insurance agency: we advise you, compare and activate your policy. The policy is issued by the insurer you choose.
Your insurance is one message away.
Message us on WhatsApp — text or voice note. We tell you the real price in minutes, in your language, and we stay with you from quote to claim. One agency for your whole family.
Get a free quote on WhatsAppPrefer to talk? Send us a voice note.