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Ask Our Specialists
Deciding between Patriot and Protection America I am looking to buy comprehensive insurance for my mother-in-law who will be visiting the US for 6 months. I am comparing Patriot and Protection America. In terms of coverage, I don't see any differences. After browsing the forums, the only difference I see is the renewal policy. The Patriot price is approx $200 less for the same coinsurance/deductible/policy maximum. - Is there any reason apart from the renewal policy to prefer Protection America? - For the six month period, I could initially choose a 3-month period and then renew it once for the remainder. This would allow me to split the insurance cost into two installments without any exclusions. Is this a correct assumption? - I noticed that you ask for a "state" while giving the quote. My mother-in-law will stay with me in Oregon for the first 3 months and in California for the next 3 months. Does this matter in terms of the policy? I would appreciate your guidance. Regards. Ashutosh
1. Other than renewal rule, no other difference currently. 2. That is correct. 3. State is asked primarily for Americans going abroad. In your case, the person is a tourist to USA. Therefore, Oregon or California does not matter. It will cover in both the places.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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