Hi,
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?
Thanks.
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?
Thanks.
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