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Ask Our Specialists
I am looking at purchasing Patriot International which is underwritten by Sirius Specialty Insurance Corporation. This is a policy maximum of 50,000. I am looking at purchasing a 6 month policy starting in August of this year. If I cancel this insurance on July 1st of this year (and before departing) do I get the full refund of the 758.25 that was quoted?Second question: do I pay the medical expenses first and file for reimbursement if I have a claim?Third question: do I need to contact the insurance company before I get medical treatment (if I am unlucky enough to have to file a claim)?
The Patriot International plan is fully refundable before the effective date of the policy. After the policy has started it is prorated refund minus a cancellation fee of $25 provided no claims have been filed since the effective date of the policy.
Billing is always determined by the provider as there is not a concept of a PPO network or any contractual obligation. It will be up to the provider to determine if they would like to have you pay out of pocket for services and file a claim for reimbursement or if they want to bill directly. They are capable of both.
There are certain services listed in the certificate that would require pre-certification which are spelled out in the certificate wording of the plan that you are free to review.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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