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Diplomat America vs Diplomat Longterm

Compare travel insurance benefits offered by Diplomat America insurance and Diplomat Longterm plans. These two 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.


Compare Diplomat America vs Diplomat Longterm

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Diplomat America
Plan Maximum
Deductible
Diplomat Long Term
Plan Maximum
Deductible
Period of Coverage
Minimum 15 days to 12 months.
Cannot be renewed
Minimum 3 months to 12 months
Additional coverage: Up to 12 months to a maximum of 36 consecutive months.
Can be renewed
Coronavirus coverage
Coronavirus or covid19 is covered by Diplomat America and Diplomat Longterm insurance
Ideal for
Non US residents travelling to the US
US citizen living outside the US and need coverage in the US as long as they use their outside US address
Non US residents travelling to the US and for those travelling outside their home country
Brochure & Details links
Underwriter
Diplomat America Insurance Underwriter
Underwritten by Advent Underwriting Limited on behalf of Syndicate 780 at Lloyd’s
Diplomat Long Term Insurance Underwriter
Underwritten by Advent Underwriting Limited on behalf of Syndicate 780 at Lloyd’s
Rating
Diplomat America Insurance Rating
AM Best Rating: "A" (Excellent)
Diplomat Long Term Insurance Rating
AM Best Rating: "A" (Excellent)
Coinsurance
Inside the US & Canada:
After the selected deductible is paid, Diplomat America pays 80% up to $5,000 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.
Outside the US: After the selected deductible is paid Diplomat Longterm will pay 100% of Covered Expenses outside the USA and Canada up to the selected policy maximum.
Inside the US: After the selected deductible is paid, Diplomat Longterm pays 80% up to $5,000 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.
Pre-existing Conditions Look back period
24 months prior to the start date of the coverage 18 months prior to the start date of the coverage
Sudden Recurrence of a pre-existing conditions:
Not covered For US Citizens only. Up to $20,000 Age 65+: $2,500
Emergency Medical Evacuation & Repatriation
Up to $500,000 Up to $500,000
Return of Mortal Remains
Up to $50,000 Up to $50,000
Emergency Reunion
Up to $50,000 Up to $50,000
Emergency Dental Treatment
$100 for relief of pain to natural teeth.
Accident: Usual and Customary Expense for emergency Dental Treatment to natural teeth.
$100 for relief of pain to natural teeth.
Accident: Usual and Customary Expense for emergency Dental Treatment to natural teeth.
Accidental Death and Dismemberment
$25,000 (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits $25,000 with paralysis, coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits
Loss of Baggage
$50 per article; up to a maximum of $250 $50 per article; up to a maximum of $250
Incidental Trips
Up to a maximum of 15 days for Incidental Trips to Canada, Mexico, and the Caribbean Islands only. Not covered
Interruption of Trip
Not covered $5,000
Return of Minor Child
$50,000 $50,000
Additional Accidental Death & Dismemberment
Purchase up to $1,000,000 of 24 hour AD&D coverage. Benefits and exclusions are same base plan. Not covered
Optional Plan Enhancements
  • Athletic & Hazardous Activity Benefit Available
  • Political and Natural Disaster Evacuation: $50,000
  • Athletic & Hazardous Activity Benefit
  • Home Country Coverage
  • War Risk Coverage
  • Political and Natural Disaster Evacuation: $50,000
Excess Benefits
All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance. All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance.
Unique Advantages
Diplomat America Insurance Advantages:
  • Comprehensive coverage plan.
  • $20,000 coverage for 80+ travelers - best coverage.
  • Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
Diplomat Long Term Insurance Advantages:
  • 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.

Compare Diplomat America vs Diplomat International vs Diplomat Longterm

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. 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. 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 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.

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