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Thread: Coverage for car crash injuries

  1. #1
    Join Date
    May 2005
    Posts
    2,621

    Default Coverage for car crash injuries

    I would like to have some info about the Protection America Insurance provided by IMG, because in a next future I'll be in the USA for a travel. I'd like to know if car crash injuries are covered or not, independently if the crash accident liability is of the insured person or other people.

  2. #2
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,435

    Default

    Visitor medical insurance plans are considered secondary insurance plans.

    Therefore, in such cases, you will have to first submit the claim with the car insurance (with your company if it is your fault, or with other party's company if it is their fault.)

    Protection America will be secondary to any other insurance.
    Thanks & Regards

    Toll Free: (866) INSU- BUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: https://www.insubuy.com

  3. #3
    Join Date
    May 2005
    Posts
    2,621

    Default

    thank you for your response. I’d like to have some additional info about the following items:
    a) difference between Patriot America and Protection America regarding First Health PPO network. I know that Protection America has a Co-Insurance of 80% up to $5000 for treatments inside PPO Network and 70% outside PPO Network. Patriot America has instead a fixed Co-Insurance of 80%, but I don’t know if Patriot America participates in First Health PPO Network. If yes, does IMG pay directly to the provider for covered expenses in the policy in the same way as Protection America?

    b) Patriot T.R.I.P. I’d like to know:

    a. If non US-Citizens travelling inside the USA are eligible;
    b. If Patriot T.R.I.P can be co-existence with Patriot America or Protection America;
    c. “Emergency Medical/Dental Expenses” means “ALL possible emergency medical expenses INCLUDED dental expenses”? If yes, the maximum policy ($10,000) can be claimed as complementary coverage for the remaining 20% that Patriot America or Protection America doesn’t cover up to $5000?
    d. My trip inside the USA will include California, Nevada, Arizona and Utah. Are there some differences about policy exclusions for each state?

  4. #4
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,435

    Default

    a) Patriot America does NOT participate in First Health PPO Network.

    read https://www.insubuy.com/img-first-health-ppo-network/

    [font=Arial]It is better to buy Protection America.
    b).

    a. Yes
    c. Yes. Once you buy either Protection America or Patriot America, when you check out, you will be given option to purchase trip cancellation. As medical etc benefits are already included in Protection/Patriot, it is actually called Patriot TRIP Lite. If you buy Protection/Patriot with Patriot TRIP Lite, medical/dental etc. will be paid according to Protection/Patriot.

    d. There is no difference. Same coverage anywhere outside home country
    Last edited by insubuy; 05-02-2017 at 05:39 PM.
    Thanks & Regards

    Toll Free: (866) INSU- BUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: https://www.insubuy.com

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