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You were provided correct advice. Patriot TRIP Elite is trip cancellation insurance. However, it also provides $50,000 in medical expenses. And it only provides that for first 30 days of the coverage. It must be purchased before departure from home country. You can put the trip cost as $0 (it will take it as minimum $500 internally) while actually applying. Therefore, it can be used to supplement Diplomat plan for first 30 days which only covers up to $1,000 for sicknesses within first 30 days. I hope that answers your questions.

Thanks for the clarification. I have one other question--for "supplementing" Diplomat during the first month, would it make more sense to use one of the fixed benefit insurances (like inbound USA) for just the first month? I notice that this option would cost about 130$--compared to the 63$ for Trip ELITE (an increase that I wouldn't mind considering the 1000$ we are paying for Diplomat--*if* it has advantages over Trip ELITE). regards arizonan ps: by the way, I found these forums and your responses to be most useful information on the web in regards to the visitor insurance.

1. No, it would not make any sense, because with Patriot TRIP Elite, you are paying less and getting more benefits, no deductible, no coinsurance. On the other hand, Inbound USA is a fixed coverage plan. 2. Let me clarify Diplomat America benefits. During first 30 days, it covers up to $1,000 for sicknesses. That means, it pays $1,000 and NOT you. In other words, it has only $1,000 policy max for sicknesses within first 30 days of the effective date. 3. Thank you for the kind words. I really appreciate it. We, as a broker, work for you and are here to help you at any time. Please feel free to contact us at any time if you have any other questions.