Deductible & Refund queries

[apn]

My Father-in-law and Mother-in-law are visiting us and I would like seek advice on an insurance plan.

After going through the postings on this site I have chosen IMG's Protection America plan

I have a couple of queries for this plan.

1) Deductible:- If I opt for a $2500 deductible is it a collective one for all covered medical expenses incurred for both (Father in law and Mother in law), or is it a deductible for each of them ($2500 + $2500 = $5000)?

2) Refund:- They are scheduled to stay for 5 months. If they need to leave US any earlier (say 4 months) what is the refund policy for this plan for the remaining 1 month for which they will not be needing the coverage

-Thanks
APN

[insubuy]

1. Deductible is per person. Policy maximum is also per person.

2. As long as you have not filed any claims since the effective date, you will get the refund for fully unused months minus $25 cancellation fee.

Please feel free to post here or contact us at any time if you have any questions.