Patriot America Plus vs Diplomat America - Which Travel Insurance Plan is better?

Patriot America Plus and Diplomat America are both comprehensive visitor insurance plans designed for international travelers to the U.S.. Patriot America Plus offered by IMG is designed for visitors to the U.S. seeking comprehensive coverage, including pre-existing conditions. Diplomat America offered by Global Underwriters is specifically for non-U.S. residents traveling to the U.S. It is important to compare them based on individual needs and benefits to find the best US travel medical insurance plan.

Patriot America Plus vs Diplomat America insurance cost calculator

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Patriot America Plus vs Diplomat America
Patriot America Plus
Plan Maximum
Deductible
Pre-existing
Diplomat America
Plan Maximum
Deductible
Minimum Enrollment is 15 Days
 Patriot America Plus vs Diplomat America insurance benefits
Insurance Providers help
Coinsurance help In-network: The plan pays 100%
Out-of-network: The plan pays 90% of eligible expenses up to $500, then 100%.
The plan pays 80% up to $5,000 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
Length of Coverage help 5 days up to 12 months - renewable up to 24 months 15 days to 365 days
Renewability help Yes : Up to 24 months Not Renewable
 Medical Benefits
Hospital room and board help Average semi-private room rate, including nursing services Covered
Intensive care unit help Up to the overall maximum limit Covered
Hospital indemnity help $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible Covered
Urgent Care Clinic help $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible Covered
 Emergency Services
Emergency local ambulance help Up to the maximum limit Covered
Hospital emergency room help Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Covered
 Dental
Emergency dental treatment help $300 maximum limit due to accident or unexpected pain to sound natural teeth Accident: Usual & Customary Expense; Palliative: $100
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions help Up to the maximum limit.(Insured person must be under 70 years of age) 24 Months prior to the start date of coverage
 Life
AD&D help $50,000 principal sum. Not subject to deductible $25,000 (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits
Common carrier AD&D help $25,000 per insured child, $100K per insured adult, $25,0000 maximum limit per family. Not subject to deductible Covered
 Evacuation
Emergency medical evacuation help Up to the Maximum Limit Covered up to $5,00,000
Emergency reunion help $100k maximum limit. Not subject to deductible Covered up to $50,000
Return of mortal remains or cremation/burial help Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5000 maximum limit for cremation or local burial at the place of death. Not subject to deductible Covered up to $50,000
Return of minor children help $100k maximum limit. Not subject to deductible Covered up to $50,000
Political evacuation and repatriation help $100k maximum limit. Not subject to deductible Covered up to $50,000
Natural disaster evacuation help $25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company) Covered up to $50,000
Terrorism help $50,000 maximum limit. Not subject to deductible Covered
Unique Advantages
  • It is a comprehensive benefit plan.
  • Optional coverage for Enhanced AD&D rider.
  • Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.
  • Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
  • It is a comprehensive coverage plan.
  • College volleyball players and other sports players can buy Diplomat America plan with the College sports rider.
  • $20,000 coverage for 80+ travelers - best coverage.
 Travel Insurance
Underwriter Sirius International Insurance Corporation C&F Cayman SPC for and on behalf of ITI SP
Rating help “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s "A" (Excellent)
Brochure and Details

Review of Patriot America Plus vs Diplomat America

Travelling outside your home country involves high risks and uncertainties. A sudden mishap like sickness or accidental injuries which results in hospitalization can lead to a big financial loss. Majority of the travelers are senior citizens and parents visiting their children working or living in a foreign country. In destinations like the US where the health care is sophisticated and extremely high especially for older travelers. The travelers to the US must buy good and adequate Visitor medical insurance which would cover most of the expenses. Some of the senior citizen travelers would look for visitors insurance with pre-existing conditions coverage.

Patriot America Plus vs Diplomat America insurance

International Medical Group (IMG) offers, Patriot America Plus which is quite popular among International tourists to USA. Patriot America Plus and Patriot America Lite Insurance ratings by AM Best Rating is A++ (Superior). Diplomat America travel medical insurance is designed for non-U.S. residents travelling to the U.S. It is quite popular among US citizens residing outside USA and visiting the US for a short period of time. It is available to Green card applicants and It can be purchased for 15 days up to a maximum of 365 days.

  • FEATURES
  • Cost*
  • Coverage in USA?
  • Parents/Seniors are eligible?
  • Covers Acute onset of Pre-existing?
  • Eligible for Green card holders?
  • Renewable and Cancellable?
  • A.M. Best Rating
  • Underwriter
  • Insurance company
  • Buy now
  • Patriot America Plus
  • $98
  • Yes
  • Yes
  • Yes, covers up to 70 years
  • Yes
  • Yes
  • "A" Excellent
  • Sirius
  • IMG
  • Buy Now
  • Diplomat America
  • $163
  • Yes
  • Yes
  • 24 months waiting period
  • Yes
  • No
  • "A" Excellent
  • C&F Cayman SPC
  • Global Underwriters
  • Buy Now
*Cost for 45 years traveler; $50,000 maximum coverage; $0 deductible.

Patriot America Plus vs Diplomat America : A Quick Comparison

Patriot America Plus Insurance

  • Offers maximum coverage up to 1 million.
  • Deductible options ranges from $0 up to $2500.
  • Covers pre-existing condition up to 70 years.
  • Renewable for up to 2 years.
  • $50 cancellation fee after the effective date.
  • Available for Non US residents traveling to USA.
assignmentPLAN DETAILS picture_as_pdfBROCHURE descriptionPAPER APPLICATION
  • local_hospital

    Provider Network
    United Healthcare Provider Network

  • dentistry

    Dental Treatment
    Up to $300

  • ambulance

    Emergency Medical Evacuation
    Up to $1,000,000 lifetime maximum

  • medical_services

    Urgent Care Clinic
    $25 copay

  • shopping_cartBuy Now

Diplomat America Insurance

  • Offers maximum coverage up to 1 million.
  • Deductible options ranges from $0 up to $5,000.
  • 24-month waiting period for the acute onset of pre-existing conditions.
  • This plan cannot be renewable.
  • Available for Non Us citizens and Non US residents visiting the US.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • medical_services

    Urgent Care Clinic
    Urgent care clinic

  • dentistry

    Emergency Dental
    Up to $100

  • ambulance

    Emergency Medical Evacuation
    Up to $250,000

  • airplanemode_inactive

    Interruption of Trip
    $5,000 maximum limit

  • shopping_cartBuy Now

How much does Patriot America Plus vs Diplomat America Insurance insurance cost per month?

Both Patriot America Plus and Diplomat America Insurance provide excellent coverage for travelers visiting the US on a short-term basis. However, it's important to compare the two plans closely to determine which one best meets your specific needs.

You can compare cost for both Patriot America Plus and Diplomat America Insurance plans with $250 deductible.

Patriot America Plus

Travelers Age Maximum $50K Maximum $100K
18 - 29 $44 $56
30 - 39 $56 $77
40 - 49 $79 $99
50 - 59 $130 $163
60 - 64 $151 $198
65 - 69 $173 $222
70 - 79 $256

Diplomat America Insurance

Travelers Age Maximum $50K Maximum $100K
18 - 29 $62 $74
30 - 39 $83 $99
40 - 49 $125 $144
50 - 59 $182 $222
60 - 64 $229 $281
65 - 69 $261 $336
70 - 79 $353

Patriot America Plus vs Diplomat America Insurance - FAQs

  • Patriot America Plus travel medical insurance - FAQ's

    What is Patriot America Plus? Is Patriot America Plus good insurance?

    Patriot America Plus is one of our most popular comprehensive plans available on the market. This is a popular American Visitors Insurance plan for travel to the United States. You also have the option of going with a $0 deductible with 100% coverage up to the policy maximum based on which policy you choose. Patriot America Plus Travel insurance is popular option that uses UnitedHealthcare as their PPO network.


    Can I buy a Patriot America plus travel insurance plan after my arrival in the US?

    Yes, You can purchase Patriot America Plus after arrival. Please keep in mind any pre-existing conditions, sickness and/or illness that happens prior to the policy starting will not be covered. We always recommend buying a Visitors Insurance plan before leaving your home country to include your travel time to your destination.


    Does Patriot America Plus Insurance cover pre-existing conditions?

    Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.


    How can one use Patriot America Plus visitor medical insurance in case of emergency in USA?

    Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.


    I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America Plus insurance?

    Yes Patriot America Plus Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot America Plus insurance online.


    Is patriot America plus insurance legit?

    Yes, Patriot America Plus is a legitimate travel medical insurance plan. It is offered by IMG (International Medical Group), a well-known provider of international health insurance. The plan is designed for non-U.S. residents traveling to the U.S. and provides comprehensive coverage, including medical expenses, emergency medical evacuation, and acute onset of pre-existing conditions.


    Is Patriot America plus visitor insurance plan worth buying?

    Excellent customer feedback and positive reviews makes Patriot America Plus very attractive. This plan has a 100% coverage within the PPO network up to the policy maximum for covered services in the US and international trips. Buying Patriot America Plus gives satisfaction as well as peace of mind knowing that you can enjoy your trip worry-free because Patriot America Plus understands your needs as a traveler outside your home-country.


    Who should buy the Diplomat America insurance?

    • International students studying in the U.S.
    • Business travelers visiting the U.S.
    • Tourists and holiday travelers exploring the U.S.
    • Study abroad and exchange students.
    • Church or missionary travelers.
    • Individuals or families participating in adventure travel.

    Why choose Diplomat America health insurance?

    • You want flexible, high-limit medical coverage while visiting the U.S.
    • You prefer a non-network plan that lets you visit any doctor or hospital.
    • You need emergency services, like evacuation, covered.
    • You're looking for an alternative to IMG-administered plans like Patriot America.
  • Diplomat America travel medical insurance – FAQ’s
    What is Diplomat America travel insurance?

    Diplomat America Insurance offers medical insurance coverage for Non-U.S. residents traveling to the United States. The coverage includes accident & sickness medical benefits, travel assistance, AD&D benefits and optional coverage for adventure sports. Senior Travelers 80 years and over are covered up to $10,000. This valuable travel protection is ideal for students, business and leisure travelers, study abroad, international exchange students, tourists, holiday travelers and church or missionary travellers and US citizens visiting USA.


    Is Diplomat America insurance legit?

    Yes, Diplomat America is a legitimate travel medical insurance plan. It is offered by Global Underwriters, a reputable provider of international insurance solutions.


    Who should purchase the Diplomat America Visitor insurance?

    This International Accident & Sickness insurance is designed to cover Non-U.S. Residents traveling to the United States. This valuable travel medical protection is ideal for students, business and leisure travelers, study abroad, international exchange students, tourists, holiday travelers, and church or missionary travelers.


    Why should I buy travel insurance from Diplomat America?

    You might consider buying travel insurance from Diplomat America if you’re a non-U.S. resident visiting the United States and need reliable short-term medical coverage with flexible options. Here's why it might be a smart choice based on your travel needs.


    What is the eligibility to buy Diplomat America Visitor insurance?

    The eligibility criteria to purchase Diplomat America Visitor Insurance are:

    • Non-U.S. Citizens & Non-U.S. Residents – The plan is designed for visitors traveling to the United States who maintain permanent residency outside the U.S.
    • Coverage Duration – Minimum purchase of 15 days, with a maximum coverage duration of 365 days (1 year). The plan is not renewable.
    • Age Requirements – Coverage is available for individuals 14 days old and above, including dependent children.
    • Travel Restrictions – The plan only covers medical expenses within the U.S. and does not provide coverage for travel outside the country, except for incidental trips to Canada, Mexico, or the Caribbean Islands.

Review travel medical insurance - Blogs and articles

Patriot America Plus plan

Travel with one of the (IMG) Patriot travel insurance plans so that you can spend more time enjoying your international experience and less time worrying about your medical coverage.

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Diplomat America plan

Diplomat America comprehensive visitor insurance is a popular plan among Non US citizens visiting US and for US citizens residing abroad making short visits to the US. Also has adventure sports coverage.

Read more »

Which are the best visitors insurance companies in USA?

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

Which are the best visitors insurance companies in USA?

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