Ask Our Specialists

Patriot America must be purchased for minimum 3 months initially and paid upfront if you would like to renew in future. While Protection America can be purchased for minimum 5 days and still be renewed. Thanks for quick reply. I have another question and this is about deductable. Is the deductable of 100/200 etc. will be for each occurance i.e each doctor visit or only once during initial visit ? Is only once.

1. INCIDENTAL HOME COUNTRY COVERAGE: During the Period of Coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to: The insured person must have left their home country, The total Period of Coverage must be for a minimum of 30 days, and The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling. 2. You don't require hazardous sports rider if you are not going to be doing any of the hazardous activities mentioned in the certificate wording. You can buy Patriot International at /patriot-international-lite-insurance/ Thank you for your response but this did not answer my question. If I have a $50,000 coverage policy and I break my back and get evacuated for my home country for treatment, would the $50,000 coverage extend to my treatment in the states? If you read the last sentence in point #1 below, it answers your question >>>>The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling. In other words, answer to your question is No.

You can either buy 6 months insurance or you can buy annual insurance. If you buy 6 months, it would have to be a new policy every time. Look at the products under /new-immigrant-insurance/. In those products, buying and paying is one and same thing. If you buy for 6 months, you pay for 6 months upfront. Alternatively, some products allow you to purchase for shorter duration and then you renew it. You can also purchase the insurance that would cover year round and both in US and in India. Look at the products at /expatriate-health-insurance/ They allow you to pay monthly even if you buy for 1 year at a time. You can continue to renew the insurance as long as you are eligible for it. And you are eligible for it as long as you are not eligible for domestic insurance. Please let me know if you have any other questions.

That would be considered as pre-existing condition and not covered. Hi, I want to take Patriot America Insurance (Comprehensive) for my Mother-In-Law. She is 47 years old and she has Asthma. You siad it will be considered as pre-existing condition. Can u suggest what is the best plan we can take for her. She will be coming in Novemeber and staying for 6 months here. Unfortunately, there is no product from any company that will cover the pre-existing conditions for visitors to US. Read /visitor-medical-insurance-pre-existing-conditions/

We offer several products from different companies and they work little differently in each of them: e.g., for Atlas International, available at /atlas-international-insurance/, following are the definitions: Incidental Home Country Coverage For every 3 months of coverage purchased, Atlas International provides US citizens up to 15 days of incidental coverage for trips to your Home Country. Incidental visit time must be used within the three-month period earned, and the member must continue his or her international trip in order to be eligible for this benefit, which covers Medical expenses only. Return to your Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling. End of Trip Home Country Medical Coverage If you are covered under Atlas International and outside of your Home Country continuously (except for covered Incidental Trips as described above) for six (6) months or more you may purchase an additional 30 days of End of Trip Home Country Medical Coverage. Please let me know if you have any other questions. Hi, I read the definitions online before asking my question. I guess I feel they are too vague as most insurance definitions tend to be. >>> They are not vague. They precisely indicate what they are trying to convey. So specificly: Does it matter that I go back to my home country and then leave again for a totally different part of the world? >>>> No. If I were to be hit by a bus in my home country or while on end of trip coverage what happens? Will I be covered for this full injury all hospitalization even past the expiration of the policy? >>> As long as your you have incidental or end of trip home country coverage, as described below, you will be covered according to the schedule of benefits in the policy. What if I get cancer or something like that during this year is this covered? Am I flown home and all treatment provided? >>> No. Thanks,

I am not sure which other web sites you are referring to. However, Patriot America is from IMG and that is the largest of all visitors medical insurance companies. And Patriot America is sold by more agents than any other product. Around 100,000 agents sell Patriot America. Moreover, we as a broker, sell insurance products from many companies and have wide selection of products. And please note that we are the largest broker in the country for visitors medical insurance. Because of that reason, we sometimes have access to the products or services that no other broker will have. It is possible some agents are not able to sell some products because they might have been terminated because of whatever reasons. You can purchase any of the above products online at https://www.insubuy.com Please let me know if you have any other questions.