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Diplomat International

Diplomat International Travel Insurance, Travel Health insurance for US citizens

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Diplomat International Insurance offers medical insurance coverage to travelers of any age travelling outside their home country. The coverage includes accident & sickness medical benefits, travel assistance, AD&D benefits and optional coverage for adventure sports. Travelers aged 80 years and above are covered up to $20,000.

Brochure
Advantages
COMPARATIVE ADVANTAGES
It is a comprehensive coverage plan.

Travelers 71-79 years can get coverage of $50,000 and $100,000 while 80+ travelers can get coverage of $20,000.

Refund of premium before the policy start date after deducting the cancellation charges.

Optional Riders coverage for hazardous activity, athletic sports and home country coverage.

Co-insurance: Plan pays 100% of covered expenses outside USA and Canada up to the policy maximum.

This plan covers for trip interruption, emergency reunion and in hospital benefit.

Deductible per policy period.

Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
Disadvantages
DISADVANTAGES
Plan covers only individuals traveling outside their home country but not US.

There is no refund after the policy starts date, though the policy holder is not traveled.

Does not cover pre-existing conditions for non-US citizens.

Cannot be renewed.
Example
Comprehensive
COMPREHENSIVE PLAN
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

Diplomat International Plan benefits for travelers aged 14 days to 99 years

Age

Age 2

Start Date

End Date

Coverage Region

Citizenship

GET QUOTE

Diplomat International Plan A Maximum $50,000 Deductible BUY NOW	Diplomat International Plan B Maximum $100,000 Deductible BUY NOW	Diplomat International Plan C Maximum $250,000 Deductible BUY NOW	Diplomat International Plan D Maximum $500,000 Deductible BUY NOW	Diplomat International Plan E Maximum $1,000,000 Deductible BUY NOW	Diplomat International Plan A Maximum $20,000 Deductible BUY NOW
Emergency Medical Evacuation
$500,000	$500,000	$500,000	$500,000	$500,000	$500,000
Return of Mortal Remains
$50,000	$50,000	$50,000	$50,000	$50,000	$50,000
Emergency Medical Reunion
$50,000	$50,000	$50,000	$50,000	$50,000	$50,000
Political & Natural Disaster Evacuation
$50,000; ($100,000 if enhanced political and natural disaster evacuation rider is purchased)	$50,000; ($100,000 if enhanced political and natural disaster evacuation rider is purchased)	$50,000; ($100,000 if enhanced political and natural disaster evacuation rider is purchased)	$50,000; ($100,000 if enhanced political and natural disaster evacuation rider is purchased)	$50,000; ($100,000 if enhanced political and natural disaster evacuation rider is purchased)	$50,000; ($100,000 if enhanced political and natural disaster evacuation rider is purchased)
Emergency Dental Treatment
$100	$100	$100	$100	$100	$100
Accidental Death and Dismemberment
$25,000 with paralysis, coma	$25,000 with paralysis, coma	$25,000 with paralysis, coma	$25,000 with paralysis, coma	$25,000 with paralysis, coma	$25,000 with paralysis, coma
Sudded Recurrence of a Pre-existing Conditions (for US citizens only)
Up to $20,000; ($2,500 for age 65 years and older)	Up to $20,000; ($2,500 for age 65 years and older)	Up to $20,000; ($2,500 for age 65 years and older)	Up to $20,000; ($2,500 for age 65 years and older)	Up to $20,000; ($2,500 for age 65 years and older)	Up to $20,000; ($2,500 for age 65 years and older)
In Hospital Indemnity (for US citizens only)
$100 per day to a maximum of 10 days	$100 per day to a maximum of 10 days	$100 per day to a maximum of 10 days	$100 per day to a maximum of 10 days	$100 per day to a maximum of 10 days	$100 per day to a maximum of 10 days

Insurance Provider
Global Underwriters

Plan Life
15 days to 365 days

Deductible Options^?
$0; $50; $100; $250; $500; $1,000; $2,500; $5,000

Rating
AM Best Rating: A (Excellent)

Eligibility
Individuals travelling outside their home country excluding USA.

International Medical group Diplomat International plan summary

Underwriter

Advent Underwriting Limited on behalf of Syndicate 780 at Lloyd's; rated "A" (excellent) by A.M. Best

Coinsurance^?

The plan pays 100% to the medical maximum outside USA and Canada

Optional Riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Home Country Coverage Rider
Home Country Coverage Rider
Offers limited coverage while in the home country.The plans pays 80% up to $50,000 of the covered expenses, then 100% to a maximum of $50,000 for incidental trips to home country or $10,000 for extension of benefits.
Enhanced Political and Natural Disaster Evacuation Rider
Enhanced Political and Natural Disaster Evacuation Rider
This rider increase the coverage from $50,000 to $100,000 ($30 per person per month)
Athletic and Hazardous Activity Rider
Athletic and Hazardous Activity Rider
The medical maximum provided is reduced to $20,000 for any illness or injury incurred from any athletic sport & hazardous activity not expressly covered here under is excluded from this policy unless the activity is non-contact and engaged in by you solely for leisure, recreation, entertainment, or fitness purposes only.

For the below listed activities apply the 1.25 factor to the base premium: Bobsledding; Bungee Jumping; Canopying; Hang Gliding; HeliJskiing; Horseback Riding; Jet, Snow, and Water Skiing; Kayaking; Martial Arts; Motorcycling & Motor Scooter; Mountain Biking; Mountain Climbing (under 14,000 feet); Paragliding; Parasailing; Piloting any NonJcommercial Aircraft; Safari; Scuba Diving, Skydiving; Snowboarding; Snowmobiling; Spelunking; Surfing; Trekking; Whitewater Rafting (up to and including Class V Rapid only); Wind Surfing; Zip Lining.

For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:

Low-Option additional $25.00 flat monthly rate: Arial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any Chartered or Leased Aircraft or Helicopter.

High-Option additional $50.00 flat monthly rate: Diving with Sharks; Mountain Climbing (if over 14 thousand feet, guide required); Running with Bulls; Safari & Big Game Hunting (use of firearms); Security Detail (use of firearms).

For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:

Low-Option additional $12.00 flat monthly rate: Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo Horse; Polo Water; Softball; Swimming; Tennis; Track and Field; Volleyball.

Middle-Option additional $26.00 flat monthly rate: Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Lacrosse; Martial Arts; Skiing (Slalom, Giant Slalom, Downhill); Wrestling.

High-Option additional $80.00 flat monthly rate: Football (no Division One); Gymnastics; Rugby; Soccer.

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