I think this will warrant a call to the insurance company. I typically use annual plans for myself from Allianz, but it's for folks living in the US.
I know I got insurance for clients awhile back that were done to Europe for a few months, and once they hit a certain number of days, it was like $10/day after that (not annual plans). Most annual plans are secondary, not primary.
I would call up Allianz and Travel Insured to get their opinions since you aren't living in the US.