24/7 Virtual Urgent Care · Dallas, TX (Dallas County)

24/7 Urgent Care in Dallas, TX — Online Doctor & Telemedicine Visits

Need 24/7 urgent care in Dallas, TX without sitting in a crowded waiting room? Virtual ER connects patients across Uptown, Lakewood, Preston Hollow, Oak Lawn, Highland Park border, Bishop Arts, Lake Highlands, and Far North Dallas so you can see an online doctor in Dallas in minutes. Start a virtual urgent care visit from home—our front desk verifies your commercial insurance or self-pay rate up front, and online prescriptions are sent directly to Albertsons Pharmacy, Walmart Pharmacy and Walgreens Pharmacy.

  • Commercial Insurance Verified FirstFront desk confirms plan benefits or exact self-pay before visit
  • Texas-Licensed ER CliniciansPhysicians, PAs & nurse practitioners from Bellaire ER
  • Same-Day Online PrescriptionsSent electronically to Albertsons Pharmacy or any local pharmacy

For chest pain, severe shortness of breath, stroke symptoms, or major bleeding, call 911 or go to the nearest emergency room along UT Southwestern William P. Clements Jr. University Hospital, Baylor University Medical Center, Texas Health Presbyterian Hospital Dallas, and Medical City Dallas.

How a 24/7 Online Urgent Care Visit Works in Dallas, TX

A 24/7 virtual urgent care visit in Dallas, TX takes three simple steps: pick a time online through Solv without downloading an app, have our front desk verify your commercial insurance benefits or exact self-pay rate before your exam starts, and meet a Texas-licensed physician or nurse practitioner on live video for diagnosis and same-day local prescription pickup.

Step 1 · Pick a Time OnlineRequest 24/7 urgent care in Dallas from any smartphone, tablet, or computer—no app download or portal account required.
Step 2 · Upfront Coverage CheckOur front desk verifies your commercial insurance benefits or confirms the exact self-pay rate before your clinician connects.
Step 3 · Video Exam & Local e-RxSpeak with an online doctor in Dallas by live video for same-day treatment and electronic prescriptions sent to Albertsons Pharmacy.
Start 24/7 Urgent Care Visit

Commercial Insurance & Transparent Self-Pay

Households and employees across Dallas, Collin, and Denton Counties in the heart of North Texas choose Virtual ER for online urgent care in Dallas because we remove billing guesswork. Before you see an online doctor, our front desk verifies your commercial insurance benefits—including major employer plans such as Blue Cross Blue Shield, Aetna, Cigna, and UnitedHealthcare—or confirms the exact self-pay rate up front.

24/7 Online Doctor Access & Physical ER Continuity

When walk-in clinics along I-35E, US-75 (Central Expressway), I-30, LBJ Freeway (I-635), and Dallas North Tollway close for the evening or fill up on weekends, getting 24/7 urgent care in Dallas used to mean a cross-town drive or a long ER wait. From winter mountain cedar fever and spring oak pollen to summer heat exhaustion and school-year viral outbreaks, Dallas patients use 24/7 telemedicine to avoid traffic on US-75 and I-35E. With telemedicine in Dallas, TX, you can speak with an online doctor from home and pick up prescriptions at a local pharmacy.

Unlike national telehealth apps with no physical clinical footprint, our telemedicine in Dallas, TX is backed by our own emergency department. If your online doctor in Dallas determines that your symptoms require a rapid strep swab, urine culture, blood work, X-ray, CT scan, or IV treatment, we guide your next step into our emergency room or a nearby hospital in Dallas County.

Virtual Urgent Care vs. Walk-In Clinic vs. Emergency Room in Dallas, TX

Choose a 24/7 Virtual ER video visit in Dallas when you have an acute non-life-threatening illness—such as a UTI, sinus infection, strep throat, flu, pink eye, rash, or medication refill—and want to skip driving along I-35E, US-75 (Central Expressway), I-30, LBJ Freeway (I-635), and Dallas North Tollway. Choose an in-person emergency room along UT Southwestern William P. Clements Jr. University Hospital, Baylor University Medical Center, Texas Health Presbyterian Hospital Dallas, and Medical City Dallas whenever symptoms require STAT imaging, IV therapy, or emergency resuscitation.

Comparison of 24/7 Virtual ER telemedicine, local walk-in urgent care clinics, and in-person hospital emergency rooms serving Dallas, TX (Dallas County).
Care Decision FactorVirtual ER 24/7 Video Visit (Dallas)Local Walk-In Urgent Care ClinicIn-Person Emergency Room (Dallas County)
Hours & AvailabilityOpen 24/7/365 — including late nights, weekends, and holidaysTypically 8:00 AM – 8:00 PM; closed overnightOpen 24/7/365 for emergency and trauma care
Where You WaitAt home, work, or hotel in Dallas on your phone or laptopDrive along I-35E, US-75 (Central Expressway), I-30, LBJ Freeway (I-635), and Dallas North Tollway + waiting room lobbyIn-person emergency triage along UT Southwestern William P. Clements Jr. University Hospital, Baylor University Medical Center, Texas Health Presbyterian Hospital Dallas, and Medical City Dallas
Clinician CredentialsTexas-licensed ER physicians, PAs & nurse practitioners from Bellaire ERWalk-in clinic mid-level providers or rotating staffIn-person emergency physicians & trauma nurses
Cost & Insurance TransparencyVerified up front by front desk before your video exam beginsIn-clinic urgent care copay + point-of-care test feesEmergency department facility & physician billing
Prescriptions (e-Rx)Sent same-day to Albertsons Pharmacy, Brookshires Pharmacy and CVS Pharmacy (no DEA controlled substances)Sent after in-clinic examIV medications on site + discharge prescriptions
Labs, X-Ray & CT ImagingDirect referral to Bellaire ER (5306 Bellaire Blvd) or local Dallas County facilityBasic rapid swabs & limited plain X-rayFull on-site CT, ultrasound, digital X-ray & STAT lab
Best Medical FitUTI, sinus, strep, flu, COVID-19, pink eye, rashes, allergies, GI bugs & 30–90 day refillsSimple laceration sutures, ear wax irrigation, or sports physicalsChest pain, stroke symptoms, severe shortness of breath, major trauma, or uncontrolled bleeding (Call 911)

Verified Clinical Team · Backed by Our 24/7 Physical Emergency Room

Meet the Physicians & Nurse Practitioners Serving Dallas, TX

Every video visit is conducted by our licensed physicians, physician assistants, and emergency nurse practitioners from Bellaire ER — combining 24/7 telemedicine convenience with the clinical depth of a real emergency department.

  • Dr. Mario Quintanilla, MD — Chief Medical Director · Emergency Medicine Physician
    Dr. Mario Quintanilla, MDChief Medical Director · Emergency Medicine PhysicianRice University & UTMB · Chief Medical Director, Bellaire ER
  • Dr. John K. Weinberg, MD — Emergency Medicine Physician
    Dr. John K. Weinberg, MDEmergency Medicine PhysicianCornell University & Montefiore Medical Center
  • Dr. Michelle Hong Chan, MD, PharmD, MPH — Emergency Medicine Physician
    Dr. Michelle Hong Chan, MD, PharmD, MPHEmergency Medicine PhysicianBaylor College of Medicine Chief Resident & UTHealth Houston
  • Dr. Anthony Hoang Phi, MD — Internal & Emergency Medicine Physician
    Dr. Anthony Hoang Phi, MDInternal & Emergency Medicine Physician25+ Years Clinical Practice · UTHealth Houston Residency
  • Dr. Syed Navaid Zaidi, MD — Family & Geriatric Medicine Physician
    Dr. Syed Navaid Zaidi, MDFamily & Geriatric Medicine PhysicianFamily Healthcare & Geriatric Acute Care
  • Dr. Thuy-Khanh Ha Bui, DO — Family Medicine Physician
    Dr. Thuy-Khanh Ha Bui, DOFamily Medicine PhysicianKirksville College of Osteopathic Medicine & Hermann Hospital
  • Erika Navarro, APRN, ENP-C — Family & Emergency Nurse Practitioner
    Erika Navarro, APRN, ENP-CFamily & Emergency Nurse PractitionerBilingual (English & Spanish) · Emergency & Trauma Care
  • Margaret Witt, MSN, APRN — Urgent Care & Telehealth Nurse Practitioner
    Margaret Witt, MSN, APRNUrgent Care & Telehealth Nurse PractitionerTexas & Louisiana Telehealth · UT Arlington MSN

Backed by Our Brick-and-Mortar 24/7 Emergency Room & CT Imaging Suite

Unlike app-only telehealth directories, Virtual ER is operated by our licensed 24/7 freestanding emergency center at 5306 Bellaire Blvd, Bellaire, TX 77401 — equipped with on-site CT, digital X-ray, ultrasound, and STAT laboratory suites.

Meet all 15 physicians & nurse practitioners on our team →
Bellaire ER 24/7 physical emergency center exterior at 5306 Bellaire Blvd
24/7 Emergency Center · Bellaire, TX
On-site CT scanner and advanced diagnostic imaging suite at Bellaire ER
On-Site CT & Advanced Imaging Suite
Private emergency examination room at Bellaire ER
Private Emergency Exam Suites

What patients say

4.211 Google reviews

I used Virtual ER yesterday and it worked like a charm, computer to computer. If you have a migraine or a bad cold you can call the ER doctor and he will diagnose you with your web cam. And he can email your prescription to the pharmacy of your choice. I don't have to drag my half dead body to the doctor's office. This is GREAT!

Raymond CampbellLocal Guide · 44 reviews

I have taken my girls here a few time for various issues (broken arm, high fever, allergic reaction) I've always been happy with the care given. The support staff and doctors are great.

MKfromTXLocal Guide · 109 reviews

Efficient and knowledgeable Doctor! This was a very timely consultation, which is what you need when you have sick kids, in our case it was 2 kids with ear infections.

Cristhell M.Local Guide · 30 reviews

The care at the clinic is wonderful. They have a great team. I arrived in poor health, and the receptionist, the nurse, the radiology technician, and Dr. Quintanilla all attended to me quickly.

Translated from Spanish by Google
Pedro Quintana Torres2 reviews

Very quick response, professional staff members.

laura gibbs1 review

Real, unedited reviews from our Google Business Profile.

What an Online Doctor in Dallas Treats & Prescribes via 24/7 Urgent Care

Our Texas-licensed physicians and nurse practitioners treat 21 acute adult and pediatric condition groups by live video in Dallas, TX—including urinary tract infections, strep and sore throat, sinus infections, influenza, COVID-19, pink eye, skin rashes, migraines, stomach bugs, and 30-to-90-day bridge medication refills.

Online Doctor Exam for Flu, Fever & Cough

See an online doctor in Dallas within minutes to evaluate fever duration, breathing comfort, body aches, cough, and viral exposure without leaving home.

Antiviral & Symptom Prescriptions

When clinically appropriate, Tamiflu (oseltamivir), cough suppressants, or targeted symptom relief are e-prescribed to Albertsons Pharmacy or your preferred local pharmacy.

When Chest X-Ray or Lab Testing Is Needed

If your breathing exam suggests pneumonia, dehydration, or need for a chest X-ray or rapid viral panel, our ER team coordinates an in-person diagnostic handoff.

Clinical conditions evaluated by video in Dallas, TX, common non-controlled medications prescribed electronically, and red-flag criteria requiring in-person ER escalation.
Clinical CategoryConditions Evaluated via VideoCommon E-Prescriptions Sent LocallyWhen We Escalate to In-Person ER / Labs
Respiratory, Flu & SinusFlu A/B, COVID-19, acute sinus infection, strep/sore throat, bronchitis, seasonal allergies, mild asthma flaresTamiflu (oseltamivir), Paxlovid (when eligible), amoxicillin-clavulanate, steroid nasal sprays, albuterol inhaler refills, tessalon perlesPersistent fever >103°F, resting shortness of breath, O2 <92%, or suspected pneumonia needing chest X-ray
Urinary & Pelvic CareUncomplicated UTI (bladder infection), yeast infection (candidiasis), bacterial vaginosis (BV)Nitrofurantoin (Macrobid), trimethoprim-sulfamethoxazole (Bactrim), cephalexin, fluconazole (Diflucan), metronidazole, phenazopyridineFlank/back pain, high fever, chills, vomiting, pregnancy, or male UTI needing in-person urine culture
Eye & Ear InfectionsPink eye (bacterial/viral/allergic conjunctivitis), eyelid stye (hordeolum), swimmer’s ear (otitis externa), adult earachePolymyxin B-trimethoprim or erythromycin eye drops, olopatadine drops, ciprodex/ofloxacin ear drops, oral analgesicsSudden vision changes, severe eye pain, light sensitivity, contact lens corneal ulcer risk, or mastoid swelling
Skin, Rashes & BitesEarly cellulitis, shingles (herpes zoster), poison ivy/oak, eczema flare, hives, impetigo, fire ant/spider/tick bitesValacyclovir (Valtrex), cephalexin, doxycycline, mupirocin ointment, triamcinolone cream, oral prednisone tapers, hydroxyzineRapidly spreading red streaking, fluctuant abscess needing incision & drainage, facial/eye shingles, or anaphylaxis
Digestive, Migraine & PainStomach flu (gastroenteritis), nausea & vomiting, traveler’s diarrhea, acid reflux/GERD, migraine headaches, acute gout flare, back spasmOndansetron (Zofran ODT), promethazine, dicyclomine, omeprazole/famotidine, sumatriptan/rizatriptan, colchicine/indomethacin, cyclobenzaprineUnable to keep fluids down >24h, severe right-lower abdominal pain (appendicitis risk), bloody stool, or thunderclap headache
Bridge Medication RefillsShort-term 30-to-90-day maintenance refills for hypertension, hypothyroid, hyperlipidemia, diabetes, asthma, or GERDLisinopril, amlodipine, losartan, levothyroxine, atorvastatin, metformin, albuterol/montelukast (proof of prior Rx required; no DEA controlled substances)BP >180/120 mmHg with chest pain, headache, or vision change requiring immediate emergency room evaluation

All 21 Telemedicine Condition Guides for Dallas, TX Patients

Browse full conditions directory →

Online Prescriptions & Local Pharmacies in Dallas, TX

When your virtual urgent care visit in Dallas includes medication, your clinician sends an electronic prescription directly to Albertsons Pharmacy, Brookshires Pharmacy and CVS Pharmacy or any neighborhood pharmacy in ZIP 75098, 75287, 75230, 75231. Confirm pharmacy hours and stock before pickup.

Retail E-Rx Pickup75098

Albertsons Pharmacy

921 S Westgate Way
Dallas, TX 75098

Same-Day Electronic Rx75098

Brookshires Pharmacy

701 S Highway 78, Attention Pharmacy Dept
Dallas, TX 75098

Local Community Pharmacy75098

CVS Pharmacy

8516 Parker Rd E.
Dallas, TX 75098

Verified E-Prescribing75098

Kroger Pharmacy

2608 W Fm 544
Dallas, TX 75098

Neighborhood Rx Pickup75098

Walmart Pharmacy

2050 N Highway 78
Dallas, TX 75098

Direct Doctor E-Rx75098

Walgreens Pharmacy

720 W Kirby St
Dallas, TX 75098

    Local Coverage Profile, Neighborhoods & Commuter Corridors in Dallas, TX

    On-demand telemedicine in Dallas, TX covers residents and commuters across Dallas, Collin, and Denton Counties in the heart of North Texas, connecting Uptown, Lakewood, Preston Hollow, Oak Lawn, Highland Park border, Bishop Arts, Lake Highlands, and Far North Dallas and travelers along I-35E, US-75 (Central Expressway), I-30, LBJ Freeway (I-635), and Dallas North Tollway with 24/7 emergency-trained clinicians.

    Geographic coverage, ZIP codes, highway corridors, and hospital escalation profile for Dallas, TX.
    Municipality & StateDallas, Texas (TX) · Approx. population 5,830,932
    County / Parish JurisdictionDallas, Collin, and Denton Counties in the heart of North Texas
    Covered ZIP Codes75098, 75287, 75230, 75231, 75236, 75237, 75235, 75254, 75251, 75252, 75253, 75043, 75032, 75227, 75238, 75232, 75233, 75234, 75089, 75088, 75087, 75247, 75244, 75249, 75248, 75051, 75166, 75210, 75211, 75212, 75214, 75215, 75216, 75217, 75218, 75219, 75390, 75182, 75229, 75228, 75220, 75223, 75225, 75224, 75226, 75243, 75241, 75240, 75246, 75270, 75207, 75206, 75204, 75203, 75202, 75201, 75209, 75208, 75019, 75221, 75222, 75242, 75250, 75260, 75262, 75263, 75264, 75266, 75267, 75277, 75283, 75284, 75285, 75301, 75303, 75312, 75313, 75315, 75320, 75336, 75339, 75342, 75354, 75355, 75356, 75357, 75358, 75359, 75360, 75367, 75370, 75371, 75372, 75373, 75374, 75376, 75378, 75379, 75380, 75382, 75389, 75392, 75393, 75394, 75395, 75397, 75398
    Neighborhoods & DistrictsUptown, Lakewood, Preston Hollow, Oak Lawn, Highland Park border, Bishop Arts, Lake Highlands, and Far North Dallas
    Primary Highway & Retail CorridorsI-35E, US-75 (Central Expressway), I-30, LBJ Freeway (I-635), and Dallas North Tollway
    Hospital & Emergency Escalation CorridorUT Southwestern William P. Clements Jr. University Hospital, Baylor University Medical Center, Texas Health Presbyterian Hospital Dallas, and Medical City Dallas
    Regional Demand & Seasonal PatternFrom winter mountain cedar fever and spring oak pollen to summer heat exhaustion and school-year viral outbreaks, Dallas patients use 24/7 telemedicine to avoid traffic on US-75 and I-35E.
    Neighborhood Coverage

    Local Telemedicine Across Dallas

    On-demand virtual urgent care in Dallas serves patients across Dallas, Collin, and Denton Counties in the heart of North Texas, including ZIP codes 75098, 75287, 75230, 75231, 75236, 75237.

    Skip Walk-In Clinic Waits

    Faster Than a Walk-In Clinic

    Skip the evening drive and lobby wait—see an online doctor in Dallas 24/7 from your phone for fevers, sinus infections, strep throat, UTIs, rashes, and refills.

    Hospital & ER Continuity

    Connected to Local ER & Imaging Care

    When a video exam shows you need hands-on X-ray, CT, ultrasound, or lab testing, our clinicians coordinate a direct in-person ER or diagnostic referral.

    Local Healthcare, Hospital Corridors & Public Health Resources in Dallas, TX

    Virtual ER is owned and operated by a licensed 24/7 freestanding emergency department staffed by board-certified emergency physicians and nurse practitioners licensed across Texas. When you book virtual urgent care in Dallas, we evaluate acute symptoms by video, send electronic prescriptions to local pharmacies, and coordinate in-person labs, X-ray/CT/ultrasound imaging, or emergency care whenever hands-on evaluation is required.

    In-Person Emergency & Hospital Corridor · Dallas, TX

    When to Choose an In-Person Emergency Room vs. Virtual Urgent Care in Dallas

    Use virtual urgent care in Dallas for fevers, cough, flu, sinus infections, strep throat, UTIs, pink eye, rashes, allergies, and prescription refills in Dallas. If you experience chest pain, severe shortness of breath, stroke symptoms (face drooping, arm weakness, slurred speech), major trauma, or uncontrolled bleeding, call 911 immediately or go to the nearest emergency department along UT Southwestern William P. Clements Jr. University Hospital, Baylor University Medical Center, Texas Health Presbyterian Hospital Dallas, and Medical City Dallas.

    Flagship 24/7 Freestanding ER: Bellaire ER · 5306 Bellaire Blvd, Bellaire, TX 77401Covered ZIP Codes: 75098, 75287, 75230, 75231, 75236, 75237, 75235, 75254

    Verified Public Health, Crisis, Indigent Care & Consumer Resources

    Independent county, parish, state, and federal healthcare organizations serving residents across Dallas, Collin, and Denton Counties in the heart of North Texas. Each agency sets its own hours and eligibility rules:

    Primary & Sliding-Scale CareDallas & Dallas County

    HRSA Federally Qualified Health Centers & Sliding-Fee Clinics

    Locate federally funded Community Health Centers (FQHCs) near Dallas offering primary care, prenatal care, dental services, and sliding-fee discounts regardless of insurance status.

    24/7 Behavioral & Crisis SupportDallas County & Statewide 988

    North Texas Behavioral Health Authority (NTBHA 24/7 Crisis Line)

    Free, confidential 24/7 mental health crisis intervention, mobile crisis outreach, and substance use support for residents in Dallas and Dallas County. Call or text 988 anytime.

    Emergency Poison & Dosing Help24/7 Texas Statewide Hotline

    Texas Poison Center Network (24/7 Medical Toxicology)

    Immediate 24/7 guidance from nurses, pharmacists, and toxicologists for pediatric accidental ingestions, medication dosing errors, chemical exposures, and bites/stings in Dallas.

    Community Assistance & BenefitsDallas County & Texas HHSC

    2-1-1 Texas — Health, Transportation & Social Services

    Dial 2-1-1 (or 877-541-7905) for non-emergency medical transportation, SNAP/Medicaid/CHIP benefits (Option 2), food pantries, utility relief, and senior support in Dallas.

    Insurance & Billing RightsTexas Commercial Plan Members

    Texas Department of Insurance (TDI) — Consumer Health Protection

    Official Texas consumer guide explaining commercial health plan telemedicine parity rules, out-of-network emergency billing protections, and how to verify health coverage.

    Nearby Urgent Care & Telemedicine Communities

    Explore 24/7 online doctor visits, commercial insurance verification, and local pharmacy coverage across neighboring communities in the Dallas–Fort Worth & North Texas Metroplex:

    Explore all Dallas County communities · Dallas–Fort Worth & North Texas Directory · Meet our emergency physicians & nurse practitioners

    Telemedicine & Urgent Care Guides for Texas Patients

    Physician-reviewed articles answering common questions about online doctor visits, antibiotic prescribing, and online urgent care in Dallas:

    Frequently Asked Questions About 24/7 Urgent Care in Dallas, TX

    How does 24/7 urgent care in Dallas, TX work with an online doctor?

    Patients physically located anywhere in Dallas, TX can start a virtual urgent care video visit on any smartphone, tablet, or computer. After our front desk confirms your commercial insurance or self-pay option, a Texas-licensed online doctor in Dallas evaluates your symptoms live on video and sends any needed prescriptions to your preferred pharmacy.

    What conditions can an online doctor in Dallas treat via telemedicine?

    Our online urgent care team in Dallas evaluates and treats cough, cold, flu, COVID-19, sinus infections, strep and sore throat, urinary tract infections (UTI), pink eye, earaches, skin rashes, cellulitis, infected insect bites, seasonal allergies, migraines, nausea, and prescription refills in Dallas.

    Which pharmacies can receive an online prescription after my video visit?

    When medication is clinically appropriate, you can see an online doctor and have an electronic prescription sent directly to Albertsons Pharmacy, Walmart Pharmacy and Walgreens Pharmacy, or any other retail or mail-order pharmacy serving Dallas County. DEA-scheduled controlled substances and narcotics are never prescribed via telemedicine.

    Does Virtual ER accept commercial health insurance for urgent care in Dallas, TX?

    Yes. Virtual ER works with many major commercial insurance plans across Texas. Before your telemedicine in Dallas, TX visit begins, our front desk checks your commercial plan benefits or quotes the exact self-pay visit fee up front so you never receive a surprise bill.

    When should I use virtual urgent care in Dallas versus visiting an in-person ER?

    Choose virtual urgent care in Dallas for non-life-threatening illnesses like fevers, UTIs, sinus infections, sore throats, rashes, eye or ear infections, and medication refills. For chest pain, severe shortness of breath, stroke symptoms, major trauma, or uncontrolled bleeding, call 911 or go immediately to the nearest emergency room along UT Southwestern William P. Clements Jr. University Hospital, Baylor University Medical Center, Texas Health Presbyterian Hospital Dallas, and Medical City Dallas.

    What local public health and community resources are available in Dallas County?

    Alongside 24/7 urgent care in Dallas, residents can contact Dallas County Health and Human Services (DCHHS) (214-819-2000) for immunizations and public health clinics, North Texas Behavioral Health Authority (NTBHA 24/7 Crisis Line) (866-260-8000) or 988 for 24/7 mental health crisis support, HRSA sliding-fee community health centers (877-464-4772), and 2-1-1 for local food, utility, and medical transportation assistance.

    Dr. Mario Quintanilla, MD
    Medically reviewed byDr. Mario Quintanilla, MDChief Medical Director, Bellaire ER · Rice University & UTMBLast reviewed: October 2026

    Need 24/7 Urgent Care in Dallas, TX Right Now?

    See a Texas-licensed online doctor in Dallas in minutes for virtual urgent care and telemedicine. Commercial insurance or self-pay is confirmed up front before your visit begins.