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Hello, Thank you very much for posting your detailed experience with Protection America. Most people avoid posting good experiences as they consider that is how insurance should work and it is normal procedure and don't feel urge to report. And as we as a broker, work for you, and not for the insurance company, come to know about the claims experiences (good or bad) only when our customers report. We are glad to know that your claims were processed and the bills were paid. Protection America (IMG) is indeed the best visitors medical insurance plan available in market today. And once again, it has proved itself. I reccommend everyone to purchase it for their relatives visiting USA. drs, if you don't mind, could you please give me your certificate number and name in the private message or through an email, just for my reference purposes? Of course, we will never bother you with phone calls or will never provide your contact information to any one unless you specifically authorize us to do so. We respect your privacy and your time. Protection America is available for instant purchase at /patriot-america-lite/visitor-insurance/ Would you still recommend Protection America for the following instance? My father is 74 and my mother is 64.. they are going to be here for approximately 3+ months from October 2007 to Jan 2008. thanks, -Arun For 70+, if you want $50,000 comprehensive, go for Protection America. if you want $100,000 comprehensive, go for WorldMed. Both available at / Thanks for the information. Just wondering if World Med is as good as IMG as far as claims is concerned. Any positive postings that you have come across? Or any information that you know personally about how they have handled claims? thanks, -Arun Yes, WorldMed is pretty good as well. So it is actually time for my parents to arrive now. For my mother , who is 64 I can buy Protection America and for my father who is 74, I can buy WorldMed and cover upto 100000 correct? Or would you suggest World Med for both of them... any advantage in taking separate plans because of different age group? thanks much, -Arun There is no advantage in putting both parents in the same application. Anyway, policy maximum is per person, deductible is per person, premium is per person. Everything just adds up. If you want to buy $100,000 for both of them, go ahead and purchase Protection America for mother and WorldMed for father. If you want to buy $500,000 for your mother, you can buy WorldMed for both of them as well.

You don't have to contact anyone after purchasing the insurance. Read /patriot-america-lite/visitor-insurance/#precertification to understand the precertification process. In short, you have to contact IMG if you need to get admitted into the hospital or have some major treatment. Thanks a lot for the immediate reply.

If you have $1000 deductible, you will have to pay that first before insurance company pays anything at all. Therefore, you will have to pay that $512 yourself. In my experience, $512 is a very reasonable amount. Most of the times, when people go to the emergency room, the bill is between $1000 and $2000, even if they don't do any treatment. I am telling this based on my personal experience with my own family members and also based on myself being in this business for so many years. Therefore, in my opinion, you should simply pay $512 to the hospital. Having said that, it would be entirely between you and the hospital how you would like to handle that amount.

That is the copay you have to pay if you get your prescription filled at WalMart. That is applicable only for people that comprehensive health insurance. And this only in some state, only for selected generic drugs. Not all drugs. No brand name drugs. It is not for people without health insurance. By no means, WalMart is selling all the prescription drugs for $4. I do have comprehensive health insurance but the co-pay for generic drugs on my plan is $10. So, if the walmart in my area offers $4 generics, how can I get that for $10? I believe that you will have to pay $4 in that case, and not $10. The info on this thread is quite wrong.. Walmart is selling a certain list of generics (lots, maybe not every generic) at $4 . This is the final price, not the copay. I just purchased a prescription for Amoxicillin last weekend for my mother, and paid $4 , no insurance involved. IF you have an insurance that has a copay LOWER than $4 (very unlikely), you can choose to go that route (at Walmart or any other place as should be obvious). But Walmart's $4 prescription drug cost is available to anyone (with a prescription ofcourse) and is the final out-the-door cost.

I assume that your debit card allows you to spend in US dollars. Most likely, your debit card is not allowing you to make an online purchase. I suggest that you call your bank, tell them the amount of insurance is you are purchasing online and ask them to manually authorize it. Then try again. If you are still having problems, please contact us and we will figure something out.