Diplomat Long Term vs Diplomat America Insurance Reviews
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.
Comparision of Diplomat America vs Diplomat long term
Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Diplomat America vs Diplomat long term Insurance:
01. Compare medical maximum coverage
This the maximum coverage expense that the plan would offer for the medical expenses. Diplomat America, Diplomat International and Diplomat long term offers maximum coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum.
02. Compare deductible options
This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. All of these plans offer a set of deductible options for the travelers to choose from. Diplomat America, Diplomat International and Diplomat long term insurance have a range of deductible option from $0 up to $5k.
03. 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.
04. Compare coinsurance options
Diplomat America Visitor Insurance- The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.
- The plan pays 80% up to $5,000 of eligible costs. Then 100% to the Medical Maximum.
05. Contrast the renewability options
Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Diplomat Long Term insurance is available form minimum of 3 months to 365 days per policy period, while Diplomat America plan cannot be renewable.
06. Compare eligibility options
All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period.
Diplomat Long Term Insurance
Non US Residents while visiting the US. Individuals travelling outside their home country.
Diplomat America
some time restrictions Non US citizens and Non-US residents while visiting the United States. Coverage is NOT available for Australian Citizens.
Diplomat International
This plan is available for people traveling outside their home Country excluding USA.
07. Pre-existing conditions coverage
Diplomat America pre-existing condition travel insurance- 24 months waiting period
- Covers sudded recurrence of a pre-existing conditions up to $20,000; ($2,500 for age 65 and older).
Pre-existing conditions coverage comparision
| Pre-Existing FAQ's | Diplomat America | Diplomat Long Term |
|---|---|---|
| What is a Pre-Existing Condition definition? |
The waiting period in travel insurance is the time period which the customer has to wait for some or all coverage benefits come into effect. It is the time period from the start of the policy when the traveler does not have the specific benefit coverage even though the policy is active and the premium has been paid for. |
Covers Unexpected Recurrence of a Pre-Existing Condition up to Limited coverage under Your Medical Expense Benefit is provided for Medical Expenses that result from a sudden and unforeseen recurrence of a Pre-existing Condition. |
| What types of pre-conditions are covered? |
|
|
| Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions? | 3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage | There is no look back period |
| Do you need a medical report of the person with the pre-existing condition? | No | No |
| Will we get a document stating that we have insurance and stating that the pre-existing condition is covered? | This plan does not provide a separate document | This plan does not provide a separate document |
| What is pre-certification? | There is no pre-certification. | You must call the plan provider to make sure that the procedure / medical coverage that you seek is indeed covered by your plan. |
| What is the maximum age for eligibility? | 24 months waiting period | 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
- Eligible for Green card holders
- Renewable and Cancellable
- Deductible Choice
- A.M. Best Rating
- Covid coverage
- Underwriter
- Provider
- Buy now
- Diplomat America
- Yes
- Yes
- 24 months waiting period
- Yes
- Yes
- $0 to $5K
- "A" Excellent
- Yes
- C&F Cayman SPC
- Global Underwriters
- Buy Now
- Diplomat Long Term
- Yes
- Yes
- Yes
- No
- Yes
- $0 to $5,000
- "A" Excellent
- Yes
- C&F Cayman SPC
- Global Underwriters
- Buy Now
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Key Highlights
Diplomat America Insurance vs Diplomat Long Term Insurance - FAQs
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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 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 $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. -
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.