Diplomat Travel Insurance by Global Underwriters

Compare travel insurance benefits offered by Diplomat America insurance, Diplomat international insurance and Diplomat Longterm insurance. These three US travel insurance plans are comprehensives benefit visitor insurance plans for international travel. Compare price and benefits to find the best US travel medical insurance plan for your needs.

Global Underwriters Diplomat plans visitor insurance cost comparison

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Diplomat Travel vs Diplomat Long Term
Diplomat America
Plan Maximum
Deductible
Minimum Enrollment is 15 Days
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Diplomat Long Term
Plan Maximum
Deductible
Minimum Enrollment is 3 Months
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Diplomat International
Plan Maximum
Deductible
Minimum Enrollment is 15 Days
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Coinsurance The plan pays 80% up to $5k of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit as a result of an Illness is available In Network: Plan pays 80% up to $5k of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit.
Out Network: Plan pays 100% to the medical maximum.
In Network: The plan pays 100%
Out of Network: After you pay your selected deductible this plan will pay 100% of Covered expenses.
Length of Coverage 15 days to 12 months up to maximum up to 3 years. 5 days to 12 months
 Evacuation
Emergency medical evacuation Up to $500K Up to $500K Up to $500K
Emergency reunion Up to $50K Up to $50K Up to $50K
Return of mortal remains or cremation/burial Up to $50K Up to $50K Up to $50K
Return of minor children Up to $50K Up to $50K Up to $50K
Political evacuation and repatriation Up to $50K $50K; ($100K if enhanced political and natural disaster evacuation rider is purchased) Up to $50K
Natural disaster evacuation Up to $50K $50K; ($100K if enhanced political and natural disaster evacuation rider is purchased) Up to $50K
Trip interruption Up to $5K Up to $5K Up to $5K
Hospital indemnity (for US citizens only) Not Available $100 per day to a maximum of 10 days $100 per day to a maximum of 10 days
Lost luggage $50 per article; up to a maximum of $250 $50 per article; up to a maximum of $250 $50 per article; up to a maximum of $250
 Dental
Emergency dental treatment Accident: Usual & Customary Expense; Palliative: $100 Usual and Customary Expense for emergency Dental Treatment to natural teeth Accident: Usual & Customary Expense; Palliative: $100
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions Covers Acute onset of pre-existing condition is 24 months waiting period. Covers Sudded Recurrence of a Pre-existing Conditions, up to $20K; ($2,500 for age 65 years and older) with waiting period of 18 months(for US citizens only) Covers Unexpected Recurrence of a Pre-existing Condition, up to $20K; ($2,500 for age 65 and older)
 Life
AD&D $25K (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits $25K (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits $25K (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits
Unique Advantages
  • Comprehensive coverage plan.
  • $20K coverage for 80+ travelers - best coverage.
  • College volleyball players and other sports players can buy Diplomat America plan with the College sports rider.
  • Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
  • Comprehensive coverage plan.
  • Optional rider cover for hazardous activity, Athletic coverage and home country coverage.
  • Plan can be purchased initially for a maximum of 12 months and can be renewed up to 36 months.
  • It is a comprehensive coverage plan.
  • Optional Riders coverage for hazardous activity, athletic sports and home country coverage
  • Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
 Travel Insurance
Underwriter C&F Cayman SPC C&F Cayman SPC Advent Underwriting Limited on behalf of Syndicate 780 at Lloyd’s
Rating "A" (Excellent) "A" (Excellent) "A" (Excellent)
Brochure and Details

Diplomat Long Term vs Diplomat America Insurance Reviews

The home country’s domestic health insurance has limited or no coverage outside international borders, a huge medical bill can be difficult to clear when you get hospitalized due to emergency sickness or accidental injuries. In some countries the health care treatment facility would want the travelers to pay the bills prior to receiving the treatment. Buying adequate visitors medical insurance can save you from these traumatic financial crisis while you are abroad. There are many insurance providers offering international travel insurance plans and it is necessary to compare among them and select the best plan satisfying your needs.

Diplomat America insurance vs Diplomat Long Term insurance

Global Underwriters has been offering International Accident & Sickness Medical coverage and Special Risk insurance products to individuals and groups of travelers for over 50 years. It offers coverage for traveling on business, vacationing, or residing in a foreign country. Here the visitor can compare US visitor insurance cost of different Global Underwriters plans. Global Underwriters offers Diplomat insurance in three variants namely Diplomat America, Diplomat International and Diplomat Long term insurance.

  • Diplomat America insurance 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.
  • Diplomat international insurance is designed for US citizens travelling the US and for Non US citizens travelling outside their home country. It doesn’t not offer coverage in the US. It can be bought for 15 days up to a maximum of 365 days.
  • 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.

Comparision of Diplomat America vs Diplomat long term

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Diplomat America vs Diplomat long term Insurance:

01. Compare medical maximum coverage

This the maximum coverage expense that the plan would offer for the medical expenses. Diplomat America, Diplomat International and Diplomat long term 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. Remember higher deductible have less premium than a plan with lower deductible. All of these plans offer a set of deductible options for the travelers to choose from. Diplomat America, Diplomat International and 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

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

Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Diplomat Long Term insurance is available form minimum of 3 months to 365 days per policy period, while Diplomat America plan cannot be renewable.

06. Compare eligibility options

All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period.
Diplomat Long Term Insurance
Non US Residents while visiting the US. Individuals travelling outside their home country.
Diplomat America
some time restrictions Non US citizens and Non-US residents while visiting the United States. Coverage is NOT available for Australian Citizens.
Diplomat International
This plan is available for people traveling outside their home Country excluding USA.

07. Pre-existing conditions coverage

Diplomat America pre-existing condition travel insurance
  • 24 months waiting period
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 Diplomat America Diplomat Long Term
What is a Pre-Existing Condition definition?

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.

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?
  1. Acute Onset of Pre-Existing Condition
  1. 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? 3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage 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? 24 months waiting period 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
  • Diplomat America
  • Yes
  • Yes
  • 24 months waiting period
  • Yes
  • Yes
  • $0 to $5K
  • "A" Excellent
  • Yes
  • C&F Cayman SPC
  • Global Underwriters
  • Buy Now
  • Diplomat Long Term
  • Yes
  • Yes
  • Yes
  • No
  • Yes
  • $0 to $5,000
  • "A" Excellent
  • Yes
  • C&F Cayman SPC
  • Global Underwriters
  • Buy Now

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Key Highlights

Diplomat America Insurance vs Diplomat Long Term Insurance - FAQs

  • Diplomat America Insurance - FAQ's

    Is Global Underwriters a reliable insurance company?
    Global Underwriters insurance is a leader in underwriting and administration of international health care systems for travelers. With over 50 years of involvement and expertise in the travel insurance industry Global Underwriters offer travel medical insurance for individuals traveling on business, vacationing or migrating to a foreign country. Global Underwriters insurance has specially curated travel insurance plans to offer world-class service for International Accident & Sickness Medical coverage.

    Is Global Underwriters insurance a legit company?
    Global underwriters insurance reviews indicate that it has left its presence in the travel insurance industry for several years. The international medical insurances are designed to cater to the medical risks for US and non US Citizens who travel overseas for various reasons. Global Underwriters reviews indicate that along with their comprehensive international accident & sickness medical insurance plans, they also offer special risk insurance products like Defense Base Act, Kidnap & Ransom and business travel accident coverage.

    Why should I buy travel insurance from Global Underwriters?
    Global Underwriters insurance has many years of expertise and offers exceptional service to its customers worldwide. Global Underwriters has a plan for all international travelers. The Claims processing, underwriting division are committed to provide good insurance solutions for travellers.

    What are the country restrictions to buy Diplomat America plan?
    The Diplomat America insurance is not available for citizens of Australia or Iran.This plan is not designed to cover US residents for travel outside the United States

    Can US citizens buy Diplomat America for visiting USA?
    Diplomat America Insurance be bought by US citizens for short term travel to the US if they intend to return to their foreign address afterward.

    Can you explain coinsurance for diplomat America?
    After you pay the selected deductible, the plan pays 80% up to $5K of eligible costs, then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness. The emergency room deductible will be waived if hospital admittance is within 12 hours of the incident.
  • Diplomat International Insurance - FAQ's

    What are the US state and country restrictions to buy Diplomat International plan??
    The Diplomat International is not available for travel in Iran.This plan is not available for citizens of Australia or Iran or residents of New York, Maryland and South Dakota.

    Is COVID-19 Covered?
    Covid-19 is excluded on the Diplomat International plan.
  • Diplomat Longterm Insurance - FAQ's

    Which travel insurance offers long term coverage?
    Diplomat Long Term (LT) must be purchased for a minimum of 3 months, the maximum is 365 days. Renewal coverage may be purchased for up to 365 days at a time up to a maximum of 3 years.

    Does Diplomat Long term Insurance cover covid illness?
    Global Underwriters Covid19 travel insurance by Diplomat Long term travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

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