Diplomat International insurance offers Comprehensive benefit medical insurance for US residents traveling inside or outside the USA. Diplomat International plan provides for US residents while traveling inside or outside the USA. This plan also provides travel medical accident & sickness coverage, emergency medical evacuation & repatriation, accidental death & dismemberment (AD&D) benefits, search and rescue coverages and acute on set of pre-existing conditions. Students while studying abroad also can buy this plan.
Global Underwriters will provide a refund of your plan cost, less a $25 processing fee, will be considered only if written request is received by Global Underwriters prior to the effective date of coverage. After that date, the premium is considered fully earned and non-refundable. Partial refunds are not available.
Diplomat International plan is not renewable, if additional coverage time is needed, a new application must be completed.
The Diplomat International cost per month ranges between $32 to $548. This is dependent on a few factors namely the age of the traveler, the plan maximum and the deductible.
Understandably, the cost of Diplomat International insurance is higher for older travellers as they are more likely to need healthcare while traveling. Also, the higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers up to age of 69 years can choose maximum limits of $50,000, $100,000, $250,000, $500,000. Travelers aged 70 to 79 years can choose $50,000 or $100,000 coverage. For travelers above 80 years only $50,000 maximum coverage is available.
Here we are showing Diplomat International travel insurance cost per month with a deductible of $250.
| Age of traveler | Medical Maximum | |||
|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | |
| 18 – 21 years | $32 | $34 | $35 | $35 |
| 22 – 29 years | $45 | $48 | $49 | $50 |
| 30 – 39 years | $52 | $56 | $57 | $58 |
| 40 – 49 years | $86 | $92 | $95 | $97 |
| 50 – 59 years | $146 | $156 | $161 | $164 |
| 60 -64 years | $181 | $195 | $200 | $204 |
| 65 – 69 years | $211 | $227 | $233 | $238 |
| 70 – 79 years | $315 | $339 | ||
| 80 – 99 years | $548 | |||
| Physician visits | Covered |
| Hospital Companion | $15,000 per person per trip |
| Emergency Dental Treatment (Accident) | $500 per person per trip (Not available for residents of NH) |
| Emergency Dental Treatment (Palliative) | Covered |
| Drugs, medicines and therapeutic services | Covered |
| x- ray examinations and laboratory tests | Covered |
| Trip Interruption | $5,000 per person per trip |
| Trip Delay | $2,000 maximum, $250 per day |
| Emergency medical evacuation help | Up to $500,000 per person per trip |
| Return of mortal remains help | Up to $50,000 per person per trip |
| Emergency local ambulance help | Covered |
| Non-Medical Emergency Transportation | $25,000 per person per trip (Not available for residents of NY and WA) |
| Search and Rescue | $20,000 per person per trip (Not available for residents of NY and OR) |
| Baggage Delay | $200 per person per trip |
| Baggage/Personal Effects | $1,000, $250 per article limit, $500 for combined article limit |
| Accidental death & dismemberment help | $25,000 principal sum. The Loss must occur within three hundred sixty-five (365) days. |
| Acute on set of pre-Existing Conditions help | Up to $10,000 per person per trip (Not for residents of NH, NY, WA, MN, MO, MT, and OR) |
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
If You purchase this optional benefit, and if You suffer a Loss due to an Accidental Injury while practicing, training for, or participating in Adventure Sports as defined. Adventure Sports means non-professional and non-competitive sports activities that are generally performed for recreation and leisure, and which are not a Bodily Contact Sport, Extreme Sport, Interscholastic Sport, Organized Sport or Mountaineering.
Adventure Sports include but are not limited to: cycling, fishing, swimming, scuba diving for certified divers up to a maximum depth of sixty (60) feet and for uncertified divers up to a maximum depth of thirty (30) feet, snorkeling, white or black water rafting Grades 1-3, canoeing, kayaking, zip-lining, water skiing, camping, hiking, backpacking, sailing, boating, downhill Skiing, cross country Skiing, snowboarding, snowmobiling, sledding or tobogganing, snow tubing, ice skating, resort-sponsored activities, and approved activities of the Travel Supplier.
If You purchase this optional benefit, and if you suffer a loss due to an accidental injury while practicing, training for, or participating in Bodily Contact Sports. Bodily Contact Sports means any competitive team sport in which players or participants may have direct physical contact with an opponent.
Bodily Contact Sports include but are not limited to: football, soccer, baseball, wrestling, ice hockey, rugby and lacrosse. Bodily Contact Sports do not include Adventure Sports, Extreme Sports, Interscholastic Sports, Organized Sports or Mountaineering.
Interscholastic Sports means any athletic contest or competition between accredited educational institutions if the participants are sponsored by the educational institution and are under the direct and immediate supervision of an employee of the educational institution. Interscholastic Sports includes the practice or training for the competition and the travel to or from such practice or competition in a vehicle designated by the educational institution, both while under the direct and immediate supervision of an employee of the educational institution. Interscholastic Sports do not include Adventure Sports, Bodily Contact Sports, Extreme Sports, Intramural Sports, Recreational Sports, club sports or Mountaineering.
Organized Sports means Intramural Sports or Recreational Sports.
If You purchase this optional benefit, and if You suffer a Loss due to an Accidental Injury while practicing, training for, or participating in Extreme Sports as defined. Extreme Sports means any high-risk non-team sport or recreation activity that is dangerous and if performed optimally, even by the highly skilled, risks loss of life or limb. Extreme Sports often involve speed, height, a high level of physical exertion and/or highly specialized gear.
Extreme Sports include but are not limited to: skydiving, BASE jumping, hang gliding, Parachuting, bungee jumping, caving, rappelling, spelunking, white or black water rafting above Grade 3, Skiing or snowboarding outside marked trails or in an area accessed by helicopter, Mountaineering, Rock Climbing, any high‐altitude activity, personal combat or fighting sports, rodeo, racing or practicing to race any motorized vehicle, bicycle or watercraft, free diving, and scuba diving at a depth greater than sixty (60) feet or without a dive master. Extreme Sports do not include Adventure Sports, Bodily Contact Sports, Interscholastic Sports or Organized Sports.
If You purchase this optional benefit, the following coverage is available to You. The company will pay benefits for accidental injuries resulting in a Loss, as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any conveyance operated under a license for the transportation of passengers for hire during the trip. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss. The Principal Sum is shown on the Schedule of Benefits.
If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount shown in the Table of Losses.
Table of losses:
| Loss of | Percentage of Principal Sum |
|---|---|
| Life | 100% |
| Both hands or both feet | 100% |
| Sight of both eyes | 100% |
| One hand and one foot | 100% |
| Either hand or foot and sight of one eye | 100% |
| Either hand or foot | 50% |
| Sight of one eye | 50% |
| Speech and hearing in both ears | 100% |
| Speech | 50% |
| Hearing in both ears | 50% |
| Thumb and index finger of same hand | 25% |
Contact our customer service team, we are here to help you!
Diploamt international insurance covers acute onset of pre-existing conditions up to $1,000.
Diplomat International insurance is ideal for US residents traveling Inside or Outside the USA, students while studying abroad, business or leisure travel, employees traveling for their company and individuals / families participating in leisure travel
You can get the quotes and make an instant purchase of Diplomat International visitor insurance online with a credit card on American Visitor Insurance.This can be done without the need of any paperwork or medical exam.
Yes. Diplomat International insurance covers optional Adventure Sports, Bodily Contact, Interscholastic, and Organized Sports and Extreme Sports. The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge. Covers listed adventure sports.
Adventure Sports: Skydiving, BASE jumping, hang gliding, Parachuting, bungee jumping, caving, rappelling, spelunking, white or black water rafting above Grade 3, Skiing or snowboarding outside marked trails or in an area accessed by helicopter, Mountaineering, Rock Climbing, any high‐altitude activity, personal combat or fighting sports, rodeo, racing or practicing to race any motorized vehicle, bicycle or watercraft, free diving, and scuba diving at a depth greater than sixty (60) feet or without a dive master. Extreme Sports do not include Adventure Sports, Bodily Contact Sports, Interscholastic Sports or Organized Sports.
To file a claim with Diplomat International Insurance, follow these steps:
Diploamt International insurance coverage is not available for travel in Afghanistan, Belarus, Iran, Israel, Libya, Nepal, North Korea, Palestinian Territories, Russia, Syria, and Yemen.