Visitors insurance

[submittedviaemail]

I have a few questions I am hoping you can help with:

1. I read the brochure on your website for both Patriot America & Protection America, but there is no information on how the Co-Insurance works. If I have to pay 20% of the costs, what is the maximum that I must pay? Also, does the 80/20 rule apply for each incident or for the life of the policy?

2. For the fixed coverage plans, Inbound USA says that the deductible applies for "each Injury and each Sickness". The IMG Visitor Care says that the deductible applies for "the life the plan". So naturally the IMG would be preferable to Inbound, am I correct?

3. Do the fixed coverage plans like IMG Visitor Care have a PPO network?

I will get my mother's passport number in day or so. Please let me know if you would like me to buy the policy on phone or via the website.

Many thanks!

[insubuy]

1. After you pay the deductible, insurance company pays 80% for first $5,000, you pay 20%. After $5,000, insurance company pays 100%. That 80/20 for first $5,000 is considered coinsurance. (In Protection America, you can also choose 90/10 for first $5,000 at extra 5% premium).
80/20 for first $5,000 is annual. If you take insurance for less than 1 year, it is per life of policy. If you take for more than 1 year, it is per year.

2. You are correct.

3. Visitors Care has a PPO network. Inbound USA doesn't.

Pleaset let me know if you have any other questions.

[submittedviaemail]

Thanks for your help. I have my mother's passport number & wd like to proceed with IMG Visitors Care. Please let me know best way to proceed.

[insubuy]

You can just visit https://www.insubuy.com/visitors-care-insurance/ and click on 'Instant Quotes & Purchase'.

If you have any other questions, please feel free to contact us at any time.