Hi, My mum is travelling to the USA for 3 months. I am trying to insure her for her visit. Just wondering, if I purchase the full price with a $0 deductible for her, does it mean that she is not responsible to pay any more deductible to the insurance company for any covered expenses?
The answer depends on which policy you purchase. If you purchase a limited coverage plan, you may still have to pay the difference since such policies have limits on how much they will pay for a particular service you take.
If you have a comprehensive coverage plan, you may be responsible for co-insurance, which is usually 0-20 percent of up to the first $5,000 and the rest is paid by the insurance company. If you want to keep your liability low, a comprehensive coverage policy is preferred. Here is some more information: Visitors Insurance: Comprehensive Vs. Limited Plans
Insurance rates are regulated by law. You can't find the same insurance plan for a lower price anywhere else