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Ask Our Specialists
Protection America - coverage Hi, I am looking to buy visitors insurance for my mother and like the coverage offered by Protection America plan by IMG. But I see that Protection America does not cover Fl. So if we purchase Protection America for my mother and while visiting Florida, she develops a health condition and has to see a doctor, would that be covered by this policy? We live in NC, and plan to visit CA, NY, FL and would mostly be travelling by road, so would require a plan that would cover all states. Could you recommend an alternate plan. Thanks, Nandini
As long as you purchase the plan prior to arriving in Florida, then if you are just visiting Florida, it covers you if you fall sick there. In other words, the plan must not be purchased while in FL. Alternatively, if you live in FL and if your mother is coming to visit and stay with you in FL, it does not cover. Therefore, in your case, you can certainly purchase Protection America from IMG.
Thanks for the response. I had a related question - of the 2 plans - Protection America and Patriot America - which one is better? Is there any discernible difference between the 2? My mother is 59 yrs old and may be staying with us for about 3-6 months. Thanks, Nandini
Patriot America must be purchased for minimum 3 months initially (and paid 3 months upfront) in order to be able to renew in future. Protection America can be purchased for any duration initially and still can be renewed. Coverage is currently the same in both the plans.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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