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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?
  
farzaneh, 04 May 2013
A

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

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