- Share
- Search
Site Search
- Contact
Contact Us
Speak to a licensed and experienced insurance agent in the United States.
- Office Hours:US Central Time
- {{allSevenDays}}
- Mon-Fri
- Current Time:
- Call Us:
Toll-Free: +1 (866) INSUBUYToll-Free: +1 (866) 467-8289- Local: +1 (972) 985-4400
- WhatsApp: +1 (972) 795-1123
- Chat With Us:
For faster service, you can easily extend or submit requests for cancellations or corrections using MyAccount.
Language日本語한국어عربيةItalianoРусский
Ask Our Specialists
Extending vs Refund of unused time in Protection America Hi, Our parents are visiting us next week. We were planning to get IMG's Protection America from this web site. At this point, we are not sure whether they will be here for 3 months or more. So we have a couple of choices (1) Get 6 months insurance and then get a refund in case they return early (a) I can't seem to find IMG's refund policy in any of their forms (if someone can post the link to that information, it will be great). (b) Are refunds done on a monthly prorated basis or dailyweekly prorated basis, e.g., if they are going back after 4.5 months, do we get a refund of 1 month or 1.5 months (2) Get 3 months and then extend it later if needed. (a) In this case, if a medical problem occurs (say) after 2.5 months, would it be considered a preexisiting condition for the renewal period (and hence not covered after renewal). Is there some written IMG documentation on this front as well Thanks.
1. As long as there are no claims submitted, insurance company will refund fully unused months minus $25 cancellation fee. It is mentioned in the brochure. Please look at the section named 'Quality Guarantee' at /patriot-america-lite/visitor-insurance/ This section is below 'Optional Riders' and above 'Preferred Provider Network'. In your example, you get refund for 1 month minus $25 cancellation fee as long as there are no claims submitted. 2. It will be covered as long as it was during first 3 months. You are simply extending the coverage. You are not repurchasing the insurance. Everything remains same. You are just making the payment in installments. You will have the same policy number with extended dates. It is explicitly not written in the brochure because it is not an issue. And every possible scenario or question that the customer may have can not be practically covered in the brochure. That's why brokers like ourselves provide help and further clarify the matters. I hope that answers your questions. If you have any further questions, please feel free to post them here or call us.
I read the refund section. Thanks for clarifying the extension issue, i.e., the extension is not treated as a new policy. I have gone ahead and taken the IMG Protection America plan from this site for 4 months and will extend it later, if needed.
Can't find answers to your questions?
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
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.
Search Questions and Get Answers
Type your question or hashtag below or Ask a Question
Did you know?
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling abroad?
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing on a vacation?
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More