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Ask Our Specialists
Insurance Deductible Questions I am considering the Patriot Policy for my visiting mother and when reading the policy terms my understanding is that the deductible has to be paid FIRST in order for your company to process the claim and pay the benefit. This is unlike any other insurance policy I ever purchased and I am not sure that I understand right, is this correct? If so, what happens if I pay the deductible in installments directly to the hospital over a 4 month period for example? Is the insurance company holding disbursement until I finish paying the deductible?
Hello, Thank you for contacting Insubuy for your insurance needs. The deductible in any insurance is the amount that is required to be paid before the insurance begins to pays its portion. In a domestic insurance you have a generally a higher deductible and you have what is called a co-pay that slowly assists you in paying down your deductible. In a travel medical insurance plan such as the Patriot Travel Plans there is no concept of a co-pay so you are your responsible for the entire deductible up front. If you need any further clarification please feel free to contact our office.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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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.
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You are not eligible to enroll in Medicare for the first 5 years.
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You could lose your non-refundable trip costs if you had to cancel your trip.
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The U.S. Department of State requires all J visa holders to purchase compliant insurance.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
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