Ask Our Specialists

1. Patriot America covers anywhere outside home country. Therefore, if the person is from India, it will cover anywhere outside India, including England, as long as the insurance is effective. 2. You only pay the insurance premium to the insurance company and NOT your deductible or any other portion of the medical bill. Let's say your deductible is $1,000 and each dr visit is $200. When you go to the Dr, you show the insurance card to them, they bill the insurance compay. Insurance company does not pay anything but records in your files that you have paid $200 towards the deductible. When the doctor gets that notification, they send you the bill for $200 and you pay that $200 to the Dr. You continue to pay money to the provider until your have exhausted your deductible. After that point, insurance company starts paying 90% for first $5,000 and 100% after that up to the policy maximum. Alternatively, if your deductible is $1,000 and each dr visit is $200, and you have not met your deductible and when the Dr's officer calls the insurance company about it, they know that they are not going to get anything paid from the insurance company, in some cases, they may demand that $200 right away. In that case, you pay that $200 and still file the claim with the insurance company. Insurance company will not pay you anything back but they will record that you paid $200 towards the deductible. In other words, someone has to let insurance company know about your payment to the provider. Otherwise, insurance company will not have any way to know that you have been paying money to satisfy the deductible. I hope that answers your questions. If you have any other questions, please feel free to post them here or contact us at any time.

No, you don't have to buy any separate accident insurance. It will cover sickness, injuries and accidents. However, please keep in mind that all visitors insurance plans are considered secondary to any other plan that may be applicable in certain situations. Lets understand by several scenarios: Scenario 1: You are driving the car and your parents are in the car. Someone else hits you and it is the other party's fault. If any of your parents get hurt, you have to first file a claim with the other party's liability insurance as part of his/her car insurance. If the other party does not have any liability insurance or not enough insurance, visitors insurance would pay the remainder of the amount according to the benefits in the policy. Scenario 2: You are driving the car and your parents are in the car. You get into an accident and it is your fault. If any of your parents get hurt, you have to first file a claim with your own car insurance. Most people have no medical insurance as part of car insurance or have very small amount like $2,000 or $3,000. In that case, visitors insurance would pay the remainder of the amount according to the benefits in the policy. Scenario 3: You are driving the car and your parents are in the car. You get into an accident and it is no body's fault. If any of your parents get hurt, you have to first file a claim with your own car insurance. Most people have no medical insurance as part of car insurance or have very small amount like $2,000 or $3,000. In that case, visitors insurance would pay the remainder of the amount according to the benefits in the policy. In short, you don't need to buy any other medical insurance. Just buying visitors insurance such as Patriot America is good for sicknesses, injuries and accidents. I hope that clarifies your questions. If you have any other questions, please feel free to post them here or call us at any time. Thanks for your prompt reply. Parampal

That is absolutely right. And they don't even mention these limitations in their brochure. It is written only the policy wording that you get after you buy the insurance and most people don't read the policy completely. In addition to this, there are many drawbacks of purchasing the insurance from India. Read more about it at /visitors-insurance-usa-india-comparison/ which describes the differences between buying from US vs India. It is always advisable to purchase the insurance from US based companies.

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.

1. Other than renewal rule, no other difference currently. 2. That is correct. 3. State is asked primarily for Americans going abroad. In your case, the person is a tourist to USA. Therefore, Oregon or California does not matter. It will cover in both the places.

1. That's correct. 2. Patriot America has following coverages that Patriot GoTravel America lacks: Emergency medical evacuation Repatriation of Remains Return of Minor Children Dental (Acute pain or injury to teeth in an accident) Lost Baggage Rest is the same. Please feel free to contact us at any time if you have any other questions.