Ask Our Specialists

Yes, Protection America is an enhanced version of Patriot America. To find the minor differences between those 3 plans, please visit https://www.insubuy.com, enter your details and you will see prices from various companies. Select the plans you like to compare and you can compare them side by side to see the differences. Those are all the differences I would be able to tell you as well. 1. Protection America can be purchased for as little as 5 days and renewed for as little as 5 days. ($5 renewal fee) Atlas America can be purchased for as little as 7 days and renewed for as little as 1 day. ($5 renewal fee) This feature is available when purchased exclusively through us. (Otherwise, min. 3 months initially and monthly after that.) Patriot America is not renewable. 2. Passport Protection Plus is the official name of the plan. It has got 2 plans: Protection America: For non-US citizens traveling outside home country Prtoection International: For US citizens traveling outside US. In other words, Protection America and Protection International are collectively called 'Passport Protection Plus'. Please look at official PDF brochure /patriot-america-plus/visitor-insurance/ and you will understand. For convenience, we have split that brochure into 2 separate brochures. One is Protection America at /patriot-america-lite-insurance/ and /patriot-international-lite/medical-insurance-for-travel/ 3. That is specified by the insurance company itself and we have no control over it, or the language it is written in. Most times, it is done much faster. But insurance company has to officially write some duration just in case there is an unexpected delay. Many times, pre-certification is done right over the phone instantly. And so far, I have not heard any complains regarding this. 4. It will cover any terrorism incidents from other than those mentioned. like 9-11, for example. 5. Included. 6. Deductible: /visitor-health-insurance/#deductible Coinsurance: /visitor-health-insurance/#coinsurance You have to first pay the deductible before insurance company starts paying anything at all. Then you have to pay 20% for first $5,000 in eligible medical expenses, insurance company pay 80%. After that, insurance company pays 100% up to selected policy maximum. Deductible and coinsurance are annual no matter how many times you renew Protection America or Atlas America. This is true for all 3 plans that you are inquiring about: Protection America, Atlas America, Patriot America. (True about several other comprehensive plans that we sell as well.) 7. read /visitor-health-insurance/#benefitperiod 8. They are NOT from us. They are directly from respective insurance companies. Most of the companies selling visitor medical insurance plans operate on a very similar rules and regulations and therefore the information they need to collect is quite similar. 9. I am not creating a problem here. Just trying to help expedite the process. This is based on my several visits to the claims department of insurance companies and extensive discussions. Visitor medical insurance and regular domestic insurance for US citizens/residents work on a different set of rules and therefore visitor medical insurance companies need to get their own form filled out. If you don't send one in, they will send you one before paying the claim. For US citizens/residents, lot of medical history is available from various sources such as MIB (Medical Information Bureau), previous insurance companies, previous doctors/hospitals, but for visitors, in most cases, no such information is available and the company needs to start everything from scratch. I don't see much difficulty in sending in this form earlier. Please let us know if you have any other questions.

I appreciate you answering all questions in one go. I think I'm now deciding between Protection America, and Atlas America. Any recommendations on which one to choose? As for deductibles are they per person or per total policy purchased (I need to buy for my father and mother both). I noticed that when I searched with $100, the premium increased by ~ $165 total against what the premium was for $250. So that means if I lowered my deductible by $150, I paid $165 more upfront! That does seems a bit strange. However if the deductible is combined for two persons for whom I'm purchasing it, then it does makes sense. Please advise which one is a correct understanding here. What deductible you recommend buying with? Also can the premiums be paid in installments, or is it necessary to pay in one go?

One additional question here. I understand that after purchase I can print a temporary card instantly. After the purchase, can the card also be retreived online by my parents in India and be printed from there as well?

1. The major difference is in the network. Look at /international-medical-ppo-network/ and /travel-and-student-insurance-ppo-network/ Choose whichever network you are more comfortable, if you are searching for your specific doctor (family doctor etc.) and then decide based on that. Overall, they are both excellent plans with very minor differences (Already answered your query about differences). 2. Deductible is per person. Deductible is annual. 3. $250 is most common. 4. Yes, you can do that. In short term plans, buying and paying is one and same thing. If you buy for 4 months, you pay for 4 months now. Alternatively, if you buy for 1 month, you pay for 1 month now, and then renew the insurance later, before it expires. 5. You get the virtual id card in the email. You (or your parents) can print the id cards from there. You can forward them that email. Alternatively, you can print at /international-medical-id-card/ or /travel-and-student-insurance-id-card/ Please let us know if you have any other questions.

Clarification regarding 'Precertification timings'. I clarified it with the insurance company and it was a typo. It is '48 hours' and NOT '48 business hours'. That would be corrected in next brochure version. I received following reply "We really appreciate you bringing this to our attention. We respond to precert requests within 48 hours (not business hours) and for emergency evacuations, we respond immediately. Our next brochure updates will include this clarification."