Question
I was just going thru' the insurances available on buyamericaninsurance.com and ***.com
I noticed that it was said that coinsurance was present for the first 5000$ on your site but the they said that there is no coinsurance in the Patriot america plan. This is for claims within the US.
Which of these is right?
Answer
Our website is correct. In Patriot America (or in any other comprehensive insurance plan), there is always 80/20 co-insurance for first $5,000 expenses for claims occurred within US/Canada.
Please look at http://www.buyamericaninsurance.com/...a/brochure.pdf This is the official brochure provided and printed by IMG. If you wish, I can mail you printed (colorful, glossy) brochure of Patriot America. (Of course, it is identical to this PDF brochure.)
I tried calling that website asking them to correct it but there was no one available. On other hand, whenever you contact us, we are always here, 7 days a week, providing excellent customer service.
Meanwhile, I have sent an email to IMG's marketing director asking them to let that website know to fix these types of errors on that website.
Answer
That website is totally wrong and misleading.
Compare that website with official brochure http://www.buyamericaninsurance.com/...a/brochure.pdf and you will see that not only co-insurance, but many other things are wrong.
Coverage - That Website - Truth
Trip Interruption - No coverage - To $5,000
Lost Luggage - No coverage - $50/item, $250 total
Emergency Evacuation - No coverage - To policy maximum
Repatriation of Remains - No coverage - To $25,000
Accidental Death - No coverage - $25,000 principal sum
Common Carrier Accidental Death - No coverage - $50,000, max $250,000 per family
Money Back Guarantee - None - Can be cancelled anytime before effective date for full refund
Credit Cards Accepted - Visa, MasterCard, Amex - Visa, MasterCard, Amex, Discover
Answer
yeah thats true, there seems to be many discrepancies with that site and the actual brochure. thank you very much for the reply and the input.