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Compare Global Underwriters Diplomat insurance plans

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.

How much does visitor health insurance USA cost?

Global Underwriters Diplomat plans visitor insurance cost comparison

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Compare Travel Plans
Diplomat Travel Insurance
versus
  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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Covid19 Coverage Diplomat America Covid Insurance by Global Underwriters offers coverage for covid-19 as a new sickness. Diplomat Long Term Covid Insurance by Global Underwriters offers coverage for covid-19 as a new sickness. Not Covered
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.
Outside the US & Canada:After you pay your selected deductible Diplomat International will pay 100% of Covered Expenses outside the USA and Canada up to the selected policy maximum.
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 country Individuals while traveling outside their Home Country, but not to the United States
Period of Coverage 15 days to 12 months.
Cannot be renewed
3 months to 12 months
Additional coverage: Up to 12 months to a maximum of 36 consecutive months.
Can be renewed
5 days to 12 months.
Cannot be renewed
 Evacuation
Emergency medical evacuation Up to $500,000 Up to $500,000 Up to $500,000
Emergency reunion Up to $50,000 Up to $50,000 Up to $50,000
Return of mortal remains or cremation/burial Up to $50,000 Up to $50,000 Up to $50,000
Return of minor children Up to $50,000 Up to $50,000 Up to $50,000
Political evacuation and repatriation Up to $50,000 $50,000; ($100,000 if enhanced political and natural disaster evacuation rider is purchased) Up to $50,000
Natural disaster evacuation Up to $50,000 $50,000; ($100,000 if enhanced political and natural disaster evacuation rider is purchased) Up to $50,000
Trip interruption Up to $5,000 Up to $5,000 Up to $5,000
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 $20,000; ($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 $20,000; ($2,500 for age 65 and older)
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 12 months prior to the start date of the coverage
 Life
AD&D $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 (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits $25,000 (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits
Restrictions Not Available for travel to Afghanistan Not Available for travel to Afghanistan Not Available for travel to Afghanistan
Unique 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.
  • 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 Diplomat America Insurance Underwriter
Underwritten by C&F Cayman SPC for and on behalf of ITI SP.
Diplomat Long Term Insurance Underwriter
Underwritten by C&F Cayman SPC for and on behalf of ITI SP.
Diplomat International 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)
Diplomat International Insurance Underwriter
AM Best Rating: "A" (Excellent)
Brochure and Details

Compare Diplomat America vs Diplomat International vs Diplomat Long Term

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. 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.
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Global Underwriters coronavirus travel insurance coverage for Covid 19

Global Underwriters travel insurance offers Diplomat America travel insurance coverage for coronavirus as any new sickness. The coronavirus testing would be covered if a medical physician deems it necessary that the insured fits the criteria for the test and the insured is effective on the policy during the time of the testing. The medical expenses would be covered as well during the time of the policy and if the signs and symptoms started during the effective date of the policy and will be paid per the parameters of the Diplomat travel insurance policy.

Is COVID-19 Covered For Diplomat International plan?

For Diplomat International plan:
Covid-19 is excluded on the Diplomat International plan. This plan does not cover any claim in any way caused by or resulting from:
a) Coronavirus disease (COVID-19);
b) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);
c) any mutation or variation of SARS-CoV-2;
d) any fear or threat of a), b) or c) above

For Covid19 travel insurance, please buy Diplomat Longterm insurance with Global Underwriters coronavirus travel medical coverage.

Diplomat America vs Diplomat International vs Diplomat Long Term - FAQs

  • 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 there coverage for Covid-19 illness in Global Underwriters travel insurance?
    GlobalUnderwriters covid insurance covers covid-19 sickness as a new sickness in their Diplomat America Insurance and Diplomat Long Term travel insurance plans for Non US citizens and Non US residents visiting the US.

    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 $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.

    Does Diplomat America Insurance cover covid illness?
    Global Underwriters Covid19 travel insurance by Diplomat America travel insurance for covid 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.
  • 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.
  • 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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