Visitors Care insurance vs Diplomat Long Term Insurance, IMG insurance vs Global underwriters insurance

Compare Travel Plans Visitors Care vs Diplomat Long Term	Visitors Care Plan Maximum Deductible Covers pre-xisting conditions Buy Now	Diplomat Long Term Plan Maximum Deductible Minimum Enrollment is 3 Months Buy Now
Insurance Providers
Length of coverage	5 days to 2 years	5 days to 364 days
Renewability	Yes : Up to 24 months	The plan is not renewable
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	500K
Urgent Care Clinic	Lite: $40 max per visit/10 max visits Plus: $60 max per visit/10 max visits Platinum: $85 max per visit/10 max visits	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 prior to the start date of coverage
Life
Common carrier AD&D	Not Available	$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
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
Return of minor children	Not Available	Covered up to $50K
Political evacuation and repatriation	Not Available	$50K
Natural disaster evacuation	$25k maximum limit. Not subject to deductible (Must be approved in advance by the company)	$50K maximum limit
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 Long Term Brochure » Diplomat Long Term Details » Diplomat Long Term Reviews

Diplomat Long Term Insurance vs Visitors Care Insurance Reviews

Travelling to the US without American visitor medical insurance can be very risky. Travelling involves uncertain situations and emergencies like sudden sickness or injuries due to accidents, trip delay, loss of passport and much more… by which you can get stranded with huge medical bills and financial losses. Many of you are aware of the high health care cost for visitors to US and the expenses arising from hospitalization can be traumatic. There are top rated insurance providers who offer a wide range of visitors insurance that is available online and it is important to choose the best travel health insurance for USA.

Visitors Care insurance vs Diplomat Long Term insurance

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 Long Term insurance as they offer fixed benefit coverage both for small ailments as well as more serious injuries and sickness. 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. It also has AM Best Rating: A++ (Superior) rating. Diplomat Longterm insurance is designed for anyone travelling outside their home country for a long period of time. It can be bought for a minimum of 3 months and up to 12 months. This plan can be renewed up to a maximum of 36 consecutive months.

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 Long Term 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 offers maximum coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum.

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 offer the deductible options of $0, $50 and $100. while Diplomat Long Term insurance have a range of deductible option from $0 up 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 Long Term Visitor Insurance

The plan pays 80% up to $5,000 of eligible costs. Then 100% to the Medical Maximum.

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 Long Term plan is available from minimum of 3 months to 365 days & can be renewed online up to maximum of 3 years.

06. Compare eligibility options

Visitors Care health insurance is available for non US citizens travelling outside their home country while Diplomat long term offers coverahe for Non US Residents while visiting the US.Individuals travelling outside their home country.

07. Pre-existing conditions coverage

Visitors Care pre-existing condition travel insurance

Covers up to 70 years

Diplomat Long Term pre-existing condition travel insurance

Covers sudded recurrence of a pre-existing conditions up to $20,000; ($2,500 for age 65 and older)

Pre-existing conditions coverage comparision

Pre-Existing FAQ's	Visitors Care	Diplomat Long Term
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.	Covers Unexpected Recurrence of a Pre-Existing Condition up to Limited coverage under Your Medical Expense Benefit is provided for Medical Expenses that result from a sudden and unforeseen recurrence of a Pre-existing Condition.
What types of pre-conditions are covered?	Acute Onset of Pre-Existing Condition Sudden and unexpected outbreak or recurrence	Sudden and unexpected outbreak or recurrence
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	There is no look back period
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	Up to $20,000; ($2,500 for age 65 and older)

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 Long Term
Yes
Yes
Yes
No
Yes
$0 to $5k
"A" Excellent
Yes
C&F Cayman SPC
Global Underwriters
Buy Now

Key Highlights