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Extending vs Refund of unused time in Protection America

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  • Extending vs Refund of unused time in Protection America


    Our parents are visiting us next week. We were planning to get IMG's Protection America from this web site (based on Narendra's recommendations). At this point, we are not sure whether they will be here for 3 months or more. So we have a couple of choices:

    (1) Get 6 months insurance and then get a refund in case they return early
    (a) I can't seem to find IMG's refund policy in any of their forms (if someone can post the link to that information, it will be great).
    (b) Are refunds done on a monthly prorated basis or daily/weekly prorated basis, e.g., if they are going back after 4.5 months, do we get a refund of 1 month or 1.5 months?

    (2) Get 3 months and then extend it later if needed.
    (a) In this case, if a medical problem occurs (say) after 2.5 months, would it be considered a pre-exisiting condition for the renewal period (and hence not covered after renewal). Is there some written IMG documentation on this front as well?


  • #2
    1. As long as there are no claims submitted, insurance company will refund fully unused months minus $25 cancellation fee.

    It is mentioned in the brochure. Please look at the section named 'Quality Guarantee' at https://www.insubuy.com/patriot-amer...e/brochure.jsp

    This section is below 'Optional Riders' and above 'Preferred Provider Network'.

    In your example, you get refund for 1 month minus $25 cancellation fee as long as there are no claims submitted.

    2. It will be covered as long as it was during first 3 months.
    You are simply extending the coverage. You are not repurchasing the insurance. Everything remains same. You are just making the payment in installments. You will have the same policy number with extended dates.

    It is explicitly not written in the brochure because it is not an issue. And every possible scenario or question that the customer may have can not be practically covered in the brochure. That's why brokers like ourselves provide help and further clarify the matters.

    I hope that answers your questions. If you have any further questions, please feel free to post them here or call us.
    Thanks & Regards
    Toll Free: (866) INSUBUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: http://www.insubuy.com


    • #3
      Thanks, Narendra! I read the refund section. Thanks for clarifying the extension issue, i.e., the extension is not treated as a new policy. I have gone ahead and taken the IMG Protection America plan from this site for 4 months and will extend it later, if needed.