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Visitors Care Insurance vs Diplomat Long Term Insurance

Compare travel insurance benefits offered by Visitors Care Insurance and Diplomat Long Term Insurance plans. These two US travel insurance plans are fixed benefit visitor insurance plans for international travel which offer coverage for acute onset of pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.

How much does visitor health insurance USA cost?

IMG vs Global underwriters visitor insurance cost comparison

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 Visitors Care 
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Diplomat plan
Visitors Care 
Plan Maximum
Deductible
Covers pre-xisting conditions
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Diplomat Long Term
Plan Maximum
Deductible
Minimum Enrollment is 3 Months
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Insurance Providers
Length of coverage 5 days to 2 years 5 days to 364 days
Renewability Yes : Up to 24 months The plan is not renewable
 Medical Benefits
Hospital room and board Lite: Up to $825 max per day 30 day max per period of coverage
Plus: Inpatient - Up to $1.4K max per day 30 day max per period of coverage
Platinum: Inpatient - Up to $2K max per day 30 day max per period of coverage		 Covered
Intensive care unit Lite: Inpatient - Up to an additional $400 max per day, 8 day max per period of coverage
Plus: Inpatient - Up to an additional $660 max per day, 8 day max per period of coverage
Platinum: Inpatient - Inpatient - Up to an additional $850 max per day, 8 day max per period of coverage		 500K
Urgent Care Clinic Lite: $40 max per visit/10 max visits
Plus: $60 max per visit/10 max visits
Platinum: $85 max per visit/10 max visits		Covered
 Emergency Services
Emergency local ambulance Lite: Up to $250 max per period of coverage
Plus: Up to $450 max per period of coverage
Platinum: Up to $475 max per period of coverage		 Covered
Hospital emergency room Lite: Up to $825 max per day 30 days maximum coverage
Plus:Up to $1.4K max per day 30 days maximum coverage
Platinum: Up to $2K max per day 30 days maximum coverage		 Covered
 Dental
Emergency dental treatment Up to $550 max per period of coverage 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 Lite: $25K max per coverage period (subject to sub-limits)
Plus: $50K max per coverage period (subject to sub-limits)
Platinum: $100K max per coverage period (subject to sub-limits)
Emergency Medical Evacuation (arises or results directly or indirectly from ta covered acute onset of a pre-existing condition): $25K max per period of coverage		 24 Months prior to the start date of coverage
 Life
Common carrier AD&D Not Available $25K(Not subjected to medical deductible)
 Evacuation
Emergency medical evacuation Lite: Up to $25K max
Plus: Up to $50K max
Platinum: Up to $50K max		 Covered up to $500K
Return of mortal remains or cremation/burial Lite: $25K max with $5K max for Cremation/Burial
Plus: $25K max with $5K max for Cremation/Burial
Platinum: $25K max with $5K max for Cremation/Burial		 Covered up to $50K
Return of minor children Not Available Covered up to $50K
Political evacuation and repatriation Not Available $50K
Natural disaster evacuation $25k maximum limit. Not subject to deductible (Must be approved in advance by the company) $50K maximum limit
Unique Advantages
  • Cheaper Plan.
  • Pre-existing rider: Covered for Stroke or Myocardial Infraction (Heart Attack), up to $5K per period of coverage for ages 0-69 and up to $2.5K per period of coverage for 70+ travelers.
  • Only plan that offers extended care facility ( Lite is $150/day, Plus is $200/day and Platinum is $250/day up to 15 days per policy period)
  • Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
  • It is a comprehensive coverage plan.
  • $20K coverage for 80+ travelers - best coverage.
 Travel Insurance
Underwriter Sirius International C&F Cayman SPC
Rating "A" (Excellent) "A" (Excellent
Brochure and Details
Best ways to travel abroad

Diplomat Long Term Insurance vs Visitors Care Insurance

Travelling to the US without American visitor medical insurance can be very risky. Travelling involves uncertain situations and emergencies like sudden sickness or injuries due to accidents, trip delay, loss of passport and much more… by which you can get stranded with huge medical bills and financial losses. Many of you are aware of the high health care cost for visitors to US and the expenses arising from hospitalization can be traumatic. There are top rated insurance providers who offer a wide range of visitors insurance that is available online and it is important to choose the best travel health insurance for USA. Here the visitor can compare US visitor insurance cost of different travel insurance plans, in particular US travel health insurance plans like Visitors Care insurance and Diplomat Long Term insurance as they offer fixed benefit coverage both for small ailments as well as more serious injuries and sickness.

There are many affordable visitor health insurance plans available from top rated insurance providers. Visitors Care is offered by International Medical Group (IMG) which has been offering international health insurance since 27 years. It also has AM Best Rating: A++ (Superior) rating. 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.

Factors to consider while comparing IMG and Global underwriters insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Visitors Care insurance and Diplomat Long Term insurance:

Compare medical maximum coverage:

This the maximum coverage that the plan would offer for the medical expenses. Visitors Care insurance offers coverage up to $100K while offers maximum coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum.

Compare deductible options:

This is the initial amount the traveler needs to pay before the insurance actually start paying. Higher deductible have less premium than a plan with lower deductible. Visitors Care offer the deductible options of $0, $50 and $100. while Diplomat Long Term insurance have a range of deductible option from $0 up to $5K.

Compare provider network:

This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.

Compare coinsurance options:

This is a percentage of the bill that the travel has to pay
Diplomat Long Term: Covers 80% up to $5K 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.

Contrast the renewability options:

Sometimes the travel plans may change and a US visitor may be required to extend their period of stay. Visitors Care Insurance can be renewed up to a total of 2 years while Diplomat Long Term plan is available from minimum of 3 months to 365 days & can be renewed online up to maximum of 3 years.

Compare eligibility options:

Visitors Care health insurance is available for non US citizens travelling outside their home country while Diplomat long term offers coverahe for Non US Residents while visiting the US.Individuals travelling outside their home country.

Pre-existing conditions coverage:

Visitors Care plan covers acute onset of pre existing condition up to the age of 70 for a maximum starting from $25k up to $1M depending on the selected policy maximum while Diplomat long term covers sudded recurrence of a pre-existing conditions up to $20,000; ($2,500 for age 65 and older).

  • FEATURES
  • Eligible Plan for USA Coverage
  • Parents Eligible to be insured
  • Acute on set of Pre-existing Cover
  • Renewable and Cancellable
  • Deductible Choice
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • Visitors Care
  • Yes
  • Yes
  • Yes, covers up to 70 years
  • Yes
  • $0 to $100
  • "A" Excellent
  • Yes
  • SiriusPoint Specialty Insurance Corporation
  • IMG
  • Buy Now
  • Diplomat Long Term
  • Yes
  • Yes
  • Up to $20,000; ($2,500 for age 65 and older)
  • Yes
  • $0 to $5K
  • "A" Excellent
  • Yes
  • C&F Cayman SPC for and on behalf of ITI SP
  • Global underwriters
  • Buy Now
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Visitors care vs Diplomat Long Term Insurance - FAQs

  • Visitors Care Insurance - FAQ's

    Is IMG a good insurance company?

    IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
    International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

    How does Visitors Care insurance work?
    Visitors Care insurance offers fixed benefit coverage for medical expenses. Visitors Care Insurance has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan’s maximum coverage. The visitor when seeking treatment at a hospital, needs to pay the chosen deductible first, then the plan will start paying specific limits for the every medical expenses.
    For detailed working example of how it works, you can review Visitors Care insurance working example
    How can a visitor use Visitors Care insurance in case of emergency in USA?
    International Medical Group (IMG) offers the Patriot America Plus insurance plan which has good coverage for acute onset of pre-existing conditions up to the age of 70 years.
    Can US citizens buy Visitors Care insurance?
    Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.
    Which is the most affordable plan offered by International medical group?
    Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.

  • Diplomat Long Term Insurance - FAQ's

    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.

    What is the cost of Global Underwriters travel insurance?

    The Global Underwriters travel insurance cost will depend on the age of the traveler, the type of coverage and the length of the journey. Typically, travel health insurance policies can start even as low as $1 per day but is much higher for older travelers.

    What are the different types of Global Underwriters travel insurance?

    Some of the different types of travel insurance plans offered by Global Underwriters are:

    What is the difference between the Global Underwriters insurance plans?

    The different types of travel insurance plans offered by Global Underwriters have different coverage options and benefits. For example, the Diplomat America plan provides coverage for non-U.S. citizens traveling to the United States, while the Diplomat International plan provides coverage for U.S. citizens traveling outside of the United States. The Diplomat Long term is useful for longer stays beyond 90 days.

    How do I purchase Global Underwriters Insurance?

    You can purchase Global Underwriters Insurance on American Visitor Insurance at buy Diplomat insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Global underwriters travel health insurance from licensed insurance agents.

    For which countries can I buy Global Underwriters travel insurance?

    Global Underwriters insurance is available for international visitors outside their home country.

    What is the eligibilty to buy Global Underwriters insurance?

    To be eligible for Global Underwriters insurance coverage, you must not be a citizen of the host country you are traveling to.

    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.

Compare Travel health insurance USA

Visitors Care insurance

Visitors Care Insurance plan by IMG is the popular affordable fixed plan among travellers outside their home country. It also offers coverage Acute on set of Pre-existing conditions.
Click here to read more »

Compare Diplomat insurance plans

Compare prices and benefits from Global Underwriters Diplomat Travel Medical insurance Plans.
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IMG Older travelers Insurance Plan

IMG Travel medical insurance coverage for older travelers visiting America, Get free quotes for visitor health insurance designed for Seniors traveling outside the home country.
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Review travel medical insurance plans - Blogs and articles

Visitors Care plans

Visitors Care Insurance is an affordable fixed benefit American visitors medical insurance plan for international travelers visiting United States of America. When you have parents, in laws, other family members or friends visiting the USA, It is a great insurance plan for their stay in America.

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Diplomat Long Term

Diplomat Long Term Insurance offers long term medical insurance coverage to travelers who need long term holiday planner coverage for any age travelling outside or inside the US. Also has adventure sports coverage.

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US visitors insurance providers

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.

US visitors insurance providers


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