Visitors Care insurance vs Diplomat America insurance, Compare IMG Visitors Care vs Global Underwriters Diplomat America

Compare Travel Plans Visitors Care vs Diplomat America	Visitors Care Plan Maximum Deductible Covers pre-existing conditions Buy Now	Diplomat America Plan Maximum Deductible Minimum Enrollment is 15 Days Buy Now
Visitors Care Insurance vs Diplomat America Insurance benefits
Insurance Providers
Coinsurance	Not Available	The plan pays 80% up to $5K of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit
Length of coverage	5 days to 2 years	15 days to 365 days
Medical Benefits
Hospital room and board	Lite: Up to $825 max per day 30 day max per period of coverage Plus: Inpatient - Up to $1.4K max per day 30 day max per period of coverage Platinum: Inpatient - Up to $2K max per day 30 day max per period of coverage	Covered
Intensive care unit	Lite: Inpatient - Up to an additional $400 max per day, 8 day max per period of coverage Plus: Inpatient - Up to an additional $660 max per day, 8 day max per period of coverage Platinum: Inpatient - Inpatient - Up to an additional $850 max per day, 8 day max per period of coverage	Up to 500K
Surgery	Lite: In-Patient & Outpatient - Up to $2K max per surgical session Plus: In-Patient & Outpatient - Up to $3.3K max per surgical session Platinum: In-Patient & Outpatient - Up to $5,500 max per surgical session	Covered
Physician visits	Lite: $40 max per visit, 30 max visits per period of coverage Plus: $60 max per visit, 30 max visits per period of coverage Platinum: Up to $85 max per visit, 30 max visits per period of coverage	Covered
Prescription Drugs and Medications	Lite: Up to $250 per period of coveragee Plus: Up to $250 per period of coverage Platinum: Up to $250 per period of coverage	Covered
Emergency Services
Emergency local ambulance	Lite: Up to $250 max per period of coverage Plus: Up to $450 max per period of coverage Platinum: Up to $475 max per period of coverage	Covered
Hospital emergency room	Lite: Up to $825 max per day 30 days maximum coverage Plus:Up to $1.4K max per day 30 days maximum coverage Platinum: Up to $2K max per day 30 days maximum coverage	Covered
Dental
Emergency dental treatment	Up to $550 max per period of coverage or unexpected pain to sound natural teeth	Accident: Usual & Customary Expense; Palliative: $100
Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions	Lite: $25K max per coverage period (subject to sub-limits) Plus: $50K max per coverage period (subject to sub-limits) Platinum: $100K max per coverage period (subject to sub-limits) Emergency Medical Evacuation (arises or results directly or indirectly from ta covered acute onset of a pre-existing condition): $25K max per period of coverage	24 months waiting period.
Life
Common carrier AD&D	$25K per Insured Person	$25K(Not subjected to medical deductible)
Evacuation
Emergency medical evacuation	Lite: Up to $25K max Plus: Up to $50K max Platinum: Up to $50K max	Covered up to $500K
Political evacuation and repatriation	Not Available	Up to $50K
Return of mortal remains or cremation/burial	Lite: $25K max with $5K max for Cremation/Burial Plus: $25K max with $5K max for Cremation/Burial Platinum: $25K max with $5K max for Cremation/Burial	Covered up to $50K
Unique Advantages	Cheaper Plan. Pre-existing rider: Covered for Stroke or Myocardial Infraction (Heart Attack), up to $5K per period of coverage for ages 0-69 and up to $2.5K per period of coverage for 70+ travelers. Only plan that offers extended care facility ( Lite is $150/day, Plus is $200/day and Platinum is $250/day up to 15 days per policy period)	Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter. It is a comprehensive coverage plan. $20K coverage for 80+ travelers - best coverage.
Travel Insurance
Underwriter	Sirius International	C&F Cayman SPC
Rating	A (Excellent)	"A" (Excellent)
Brochure and Details	» Visitors Care Insurance Brochure » Visitors Care Insurance Details » Visitors Care Insurance Reviews	» Diplomat America Insurance Brochure » Diplomat America Insurance Details » Diplomat America Insurance Reviews

Diplomat America Insurance vs Visitors Care Insurance Reviews

Visiting USA can be a great experience but an unfortunate event like sudden sickness or accident may arise. The health care cost for tourists to US is exceptionally high and the situation can be traumatic if the visitor doesn’t have US visitor medical insurance.There are many visitors insurance available online and it is a challenge to select the best travel health insurance for USA. Here the visitor can compare US visitor insurance cost of different travel insurance plans, in particular US travel health insurance plans like Visitors Care insurance and Diplomat America insurance as they offer excellent coverage both for small ailments as well as more serious injuries and sickness.

Visitors Care insurance vs Diplomat America insurance

There are many affordable visitor health insurance plans available from top rated insurance providers. Visitors Care is offered by International Medical Group (IMG) which has been offering international health insurance since 27 years. Diplomat America insurance from Global Underwriters is designed for Non US residents travelling to the USA. It is quite popular among US citizens residing outside USA and visiting the US for a short period of time. It can be purchased for 15 days up to a maximum of 365 days.

Factors for comparing IMG and Global Underwriters insurance

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Visitors Care insurance and Diplomat America insurance:

01. Compare medical maximum coverage

This the maximum coverage that the plan would offer for the medical expenses. Visitors Care insurance offers coverage up to $100K while Diplomat America insurance offers maximum coverage up to $1M. The coverage may be reduced for older travelers.

02. Compare deductible options

This is the initial amount the traveler needs to pay before the insurance actually start paying. Higher deductible have less premium than a plan with lower deductible. Visitors Care offers the deductible options of $0 to $100 while Diplomat America insurance has deductible options from $0 to $5K.

03. Compare provider network

This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses . An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.

04. Compare coinsurance options

Visitors Care Insurance

Coinsurance is not availabe

Diplomat America Visitor Insurance

The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.

05. Contrast the renewability options

Sometimes the travel plans may change and a US visitor may be required to extend their period of stay. Visitors Care Insurance can be renewed up to a total of 2 years while Diplomat America Insurance can be renewed from 15 days to 365 days

06. Compare eligibility options

Visitors Care insurance is available for Non US citizens travelling outside their home country.For visitors over 65 years of age and visiting the US the initial period of coverage must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided while Diplomat America Insurance is for Non Us citizens and Non US residents visiting the US.This plan is also available to US citizens returning to the US for vacation or business trips while living abroad. A valid international address is required in order to apply.

07. Pre-existing conditions coverage

Visitors Care pre-existing condition travel insurance

Covers up to 70 years

Diplomat America pre-existing condition travel insurance

24 months waiting period

Pre-existing conditions coverage comparision

Pre-Existing FAQ's	Visitors Care	Diplomat America
What is a Pre-Existing Condition definition?	Visitors Care health insurance provides coverage for acute onset of pre-existing conditions for people below 70 years of age. This means that if you have a sudden and unexpected recurrence of a pre-existing condition that is life-threatening or requires immediate medical attention, you may be covered up to the maximum limit of your plan. However, this coverage does not apply to chronic or congenital conditions, or conditions that gradually become worse over time.	The waiting period in travel insurance is the time period which the customer has to wait for some or all coverage benefits come into effect. It is the time period from the start of the policy when the traveler does not have the specific benefit coverage even though the policy is active and the premium has been paid for.
What types of pre-conditions are covered?	Acute Onset of Pre-Existing Condition Sudden and unexpected outbreak or recurrence	Acute Onset of Pre-Existing Condition
Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions?	There is no look back period	3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage
Do you need a medical report of the person with the pre-existing condition?	No	No
Will we get a document stating that we have insurance and stating that the pre-existing condition is covered?	This plan does not provide a separate document	This plan does not provide a separate document
What is pre-certification?	There is no pre-certification.	You must call the plan provider to make sure that the procedure / medical coverage that you seek is indeed covered by your plan.
What is the maximum age for eligibility?	Covered up to age 70	24 months waiting period

FEATURES
Eligible Plan for USA Coverage
Parents Eligible to be insured
Acute on set of Pre-existing Cover
Eligible for Green card holders
Renewable and Cancellable
Deductible Choice
A.M. Best Rating
Covid coverage
Underwriter
Provider
Buy now

Visitors Care
Yes
Yes
Yes, covers up to 70 years
No
Yes
$0 to $100
"A" Excellent
Yes
Sirius
IMG
Buy Now

Diplomat America
Yes
Yes
24 months waiting period
Yes
Yes
$0 to $5K
"A" Excellent
Yes
C&F Cayman SPC
Global Underwriters
Buy Now

Key Highlights