- 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
Clarification on Patriot GoTravel America Can you please advise if the deductible amount quoted on IMG policies (specifically Patriot GoTravel America) is per sickness/accident or per policy period? i.e. if a deductible is $250 and the policy is 90/10 and I have the following scenario: Doctor visit 1: $500 invoice Doctor visit 2: $1000 invoice Emergency Room: $1000 invoice and no admittance in hospital. Is my payment: #1 a. Doctor visit 1: $250 + 0.1*250 = $275 b. Doctor visit 2: $250 + 0.1*750 = $325 c. Emergency Room: $250 + $250 (additional deductible) + 0.1*500 = $550 Or #2 a. Doctor visit 1: $250 + 0.1*250 = $275 b. Doctor visit 2: 0.1*1000 = $100 (because deductible is paid for policy period) c. Emergency Room: $250 (additional deductible) + 0.1*750 = $325 Thanks, Jasmeet
It is per policy period. Therefore, what you described in #2 would be applicable.
Thank you for the prompt response. My parents will be here for 4 months. Since, you probably see some of the costs of treatment involved, I wanted to get your opinion on the coverage amount - $100,000 or $500,000? Also, would IMG be paying negotiated rates or "rack" rates? I am trying to understand how much hospitalization will cost with IMG negotiated rates. Thanks, Jasmeet
While $100,000 is a decent amount, I have purchased $500,000 when my own relavites visited USA in past. $100,000 will cover most expenses, but I have seen some claims beyond that. Insurance company will pay network negotiated rates for the covered expenses. For non covered expenses, it will be between you and the provider. It is difficult to give any kind of estimate how much the hospitalization will cost per day. It drastically varies depending upon the circumstances, the treatment given, geographic location of the hospital etc. I have seen around $2,000 per day to even $40,000 in a day.
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