You have purchased fixed coverage plan and NOT comprehensive coverage plan.
Please look at
http://www.insubuy.com/visitors-insurance/to understand the difference between two types of plans.
Examples of fixed coverage plans would be Inbound USA, Visitors Care and the one you purchased.
Please look at the brochure wordings
http://www.insubuy.com/img/visitorscare/brochure.jsp http://www.insubuy.com/sevencorners/inboundusa/visitorsinsurance.jsp and the one that you have purchased.
It clearly mentions that insurance company will pay $300 for hospital emergency room. And that is what they paid. Then, what is the problem?
On our website, we clearly distinguise two different types of plans. And every customer that calls our office, we explain them very clearly that fixed coverage may not be enough. It will pay only fixed price for each and every procedure. The plan you are referring to, it was not through us, and therefore I can not comment how well you were explained about the limitations of the plan.
Therefore, we strongly recommend everyone to buy comprehensive coverage plan, but many people still like to buy fixed coverage plan, because it is low cost and people say "My mother is healthy, this is just for my satisfaction. I don't want to spend lot of money on insurance".
As long as you understand the difference between fixed and comprehensive coverage plans, you will not have any disappointments. Therefore, please do not make misleading statements without understanding what you purchased.
If you have any furthere questions about this, please call us at 1-866-INSU-BUY and we would be glad to help you.