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Visitor's Insurance for Male Aged 71 I called Insubuy this morning for Visitor's Insurance for my In-Laws aged 65 and 71. I purchased Atlas America for my Mom-in-law aged 65 based on the agent's recommendation. However, I am STILL having a hard time deciding between the two recommended plans for my dad-in-law aged 71 despite talking to an agent. The two plans recommended were : 1) Patriot America/IMG/First Health PPO 2) Liaison Continent A/Seven Corners/United HealthCare Global PPO I read through both plans and they seem very similar in terms of benefits. Even their premiums are only a few dollars apart. 1) Can you please list the major differences between both plans so I can decide? 2) Some online reviews are giving IMG a very bad name. They say they are extremely difficult to deal with when it comes to claims and reject EVERY claim. Hence I am leaning towards Seven Corners. Also I have heard of United HealthCare more than First Health. Is this rationale valid? 3) Do both cover Canada in case we go there for a visit? 4) No One covers pre-existing over 70, correct? 5) Patriot America is 90/10 plan but in case we go out of network we have to pay 20% up to $5k. What about out-of-network in Liaison Continent A ? I couldn't find that answer online. 6) Is there any other plan that you can recommend ? What are your thoughts on Atlas America for age 71 ? You can purchase the Atlas America plan for over 70. Just like any other plan it will cover them for any new illness or injury that occurs after the effective date of the policy. A prompt response will be sincerely appreciated. They will be here for 4 months starting Mon June 13th. You have answered a lot of common questions on your website. Thank You for that. Your website has really helped us a lot when it comes to Visitors Insurance.