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Ask Our Specialists
I just purchased "Atlas America" insurance through Insubuy for one of my parents (71 years old) who will be visiting me in the US shortly. The coverage is for $100K with a $2500 deductible. In addition to the above, I am also considering purchase of "Patriot Platinum Plus" for the same parent with $100K coverage and $10,000 deductible. I wanted to understand how to use the two insurance coverages together in case of an emergency incident. I have the following specific questions: - Which of the above insurance should I use first (assuming that the hospital used is part of the First Health Network)? - Does the insurance that I use second, cover the deductible of the insurance that was used first?
It is not recommended that you purchase the Patriot Platinum Plus plan as you would then have 2 secondary insurance plans and this can get very cumbersome when it comes time for claims.
It is recommended that you purchase a plan called Safe Travels USAas this plan will act as a primary insurance and will coordinate benefits with the Atlas America plan that you have purchased.
In purchasing the Safe Travel USA plan with a $50K maximum it will be less expensive and you will have a Primary and a Secondary plan rather than 2 secondary plans.
Please use the link listed below to review this plan and to generate a quote. If you have any questions please feel free to contact our office.
Safe Travels USA brochure & instant purchase link
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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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.
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