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visitors insurance for visiting 74 year old parent Hello - I am looking to buy Comprehensive medical insurance coverage for my father due to arrive in the US in a few days. He is 74 and healthy without any significant chronic conditions, but I see that there really is no choice available - Patriot platinum America is the only option. Is this because of his age? I also see that it is from Sirius International. That name rings a bell because I was reading your and some other websites of people giving feedback on their experiences with visitors' insurance. I recall reading that this company is an international company, so they are not accountable to the medical coverage laws of the US, and therefore they can get away without paying in case of a claim (like several India-based companies do). Please advise me how true this is, and what your experience with this company has been. Do you actually involve yourself in assisting clients if they have difficulty with getting their claims covered? If so, how "fair" and reliable do you think Sirius International is? Hope to make a decision very soon, so request a prompt reply. Thanks,
Thank you for your interest in purchasing visitors insurance for your parents. The choices available depend upon the age group and the policy maximum you choose. For 70+, for $100,000 in comprehensive coverage, Patriot Platinum America is the best choice. What you have understood is not completely true. The underwriter Sirius International is not involved at all in day to day handling of the claims. All of that is handled by the administrator IMG, that is located in Indianapolis, IN. We have been selling their insurance plans since 2002 and we currently sell thousands of policies for them every month and I don't see any problem as you describe. All legitimate claims are paid. IMG is regulated by department of insurance of Indiana, USA and also participates in Better Business Bureau. Of course, if at all fails, you can always file a lawsuit against them in the U.S. itself. None of those remedies are available to you if you buy the insurance from an Indian company. If you want to buy the insurance from a truly domestic company such as Blue Cross, Aetna etc., such companies do not provide insurance to visitors. You can read more about it at /visitors-medical-insurance/ Most people do not have any problems with the claims. However, if you have any difficulty, you can always contact us. We will be glad to help you as we work for you and not for any particular insurance company. I hope that answers your questions. If you have any other questions, please feel free to contact us at any time.
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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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