Atlas Premium Insurance vs Diplomat Long Term Insurance

Compare travel insurance benefits offered by Atlas Premium insurance, Diplomat Long Term Insurance plans. These two US visitor insurance Diplomat Long Term vs Atlas Premium insurance are comprehensive 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.

IMG vs Global Underwriters visitor insurance cost comparison

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Spouse
Start Date
End Date
Coverage
Citizenship
Compare Travel Plans
Atlas Premium vs Diplomat Long Term
Atlas Premium
Plan Maximum
Deductible
Diplomat Long Term
Plan Maximum
Deductible
Minimum Enrollment is 3 Months
Insurance Providers help
Coinsurance helpPlan pays 100% of eligible expenses after the deductible up to the overall maximum limit. In Network: Plan pays 80% up to $5k of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit.
Out Network: Plan pays 100% to the medical maximum.
Length of Coverage help5 days up to 12 months Minimum of 3 months to 365 days & can be renewed online up to maximum of 3 years.
Renewability helpYes : Up to 365 days 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 $500k
Hospital indemnity help $100 per day of inpatient hospitalization (not subject to deductible or coinsurance). $100 per day to a maximum of 10 days
Urgent Care Clinic help Claims incurred in the U.S.- Up to $15 co-payment. (co-payment is waived for members with a $0 deductible)
Claims incurred outside the U.S.- No co-payment.
Covered
 Emergency Services
Emergency local ambulance help Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. 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
Claims incurred in the U.S.-Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)
Claims incurred outside the U.S.- No co-payment.
 Dental
Emergency dental treatment help Up to $300 (not subject to deductible or coinsurance). Accident: Usual & Customary Expense; Palliative: $100
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions help Under 80 years of age,covers up to overall maximum limit. covers up to $25K lifetime maximum (excludes chronic and congenital conditions) 24 Months prior to the start date of coverage
 Life
AD&D help $250K maximum benefit for any one family or group (not subject to deductible or overall maximum limit). $25k with paralysis, coma
Common carrier AD&D help Up to age 18 - $10,000 per member
Age 18 to 69 - $100,000 per member
Age 70 to 74 - $25,000 per member
Age 75 and older - $12,500(not subject to deductible or overall maximum limit).
Covered
 Evacuation
Emergency medical evacuation help $1M lifetime maximum, except as provided under acute onset of pre-existing condition. Covered up to $500k
Emergency reunion help Up to $100K, maximum of 15 days (not subject to deductible or coinsurance) Covered up to $50k
Return of mortal remains or cremation/burial help Up to $5K lifetime maximum. Covered up to $50k
Return of minor children help Up to $50K (not subject to deductible or coinsurance). Covered up to $50k
Political evacuation and repatriation help Up to $100K lifetime maximum (not subject to deductible or coinsurance). $50k; ($100k if enhanced political and natural disaster evacuation rider is purchased)
Natural disaster evacuation help Up to $250 a day for 5 days (not subject to deductible or coinsurance). $50k; ($100k if enhanced political and natural disaster evacuation rider is purchased)
Trip interruption help Up to $10K (not subject to deductible or coinsurance). Covered up to $5k
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.
  • Political Evacuation available up to $150K lifetime maximum not subject to deductible.
  • No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
 Travel Insurance
Underwriter Lloyd's C&F Cayman SPC for and on behalf of ITI SP
Rating help "A" (Excellent) "A" (Excellent)
Brochure and Details

Diplomat Long Term vs Atlas Premium Insurance Reviews

International tourists visiting USA must be aware of the rising health care cost for visitors to USA. Hospitalization with huge medical bills can be a nightmare without visitors health insurance. Many insurance providers offer different visitors insurance for tourists to the US. It is important to compare the popular visitor insurance before buying adequate travel medical insurance for USA.Here the visitor can compare US visitor insurance cost of Atlas Premium insurance and Safe Travels USA Comprehensive insurance plans by reviewing their unique Visitors medical insurance benefits.

Atlas Premium insurance vs Diplomat Long term insurance

Atlas Premium insurance is administered by WorldTrips services with AM Best Rating: A++ (Superior) rating.Diplomat Long Term is offered by Global Underwriters which 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 for comparing WorldTrips and Global Underwriters insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Diplomat Long Term vs Atlas Premium insurance travel insurance:

01. Compare medical maximum coverage

This the maximum coverage expense that the plan would offer for the medical expenses. Atlas Premium offers coverage up to 2 million, while Diplomat Long Term offers 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. Atlas Premium America and Diplomat Long Term insurance has deductible options 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

Atlas Premium America Visitor Insurance
  • Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
Diplomat Long Term Visitor Insurance
  • 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. Atlas Premium insurance can be renewed up to 365 days while Diplomat LongTerm insurance can be renewed online up to maximum up to 3 years.

06. Compare eligibility options

All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Atlas Premium plan is a comprehensive plan that provides worldwide coverage including or excluding the US While Diplomat Long Term is available for Non US Residents while visiting the US and individuals travelling outside their home country.

07. Pre-existing conditions coverage

Atlas Premium pre-existing condition travel insurance
  • Covers up to 80 years
Diplomat Long Term pre-existing condition travel insurance
  • 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 Atlas Premium Diplomat Long Term
What is a Pre-Existing Condition definition?

Atlas Travel and Atlas Premium provide a limited benefit up to the medical coverage lifetime maximum for eligible medical expenses. If you are younger than 80, you may be covered for an acute onset of a pre-existing condition. This also includes up to a $25,000 lifetime maximum for emergency medical evacuation. An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions, complications or consequences of a chronic or congenital condition, or conditions that gradually become worse over time are excluded from coverage.

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?
  1. Acute Onset of Pre-Existing Condition
  1. Sudden and unexpected outbreak or recurrence
Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions? No look back period 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? Covered up to age 79 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
  • Atlas Premium
  • Yes
  • Yes
  • Yes, covers up to 79 years
  • No
  • No
  • $0 to $5k
  • A++ Standard & Poor’s: AA-
  • Yes
  • Lloyd's
  • WorldTrips
  • 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

Key Highlights

Atlas Premium Insurance vs Diplomat Long Term Insurance - FAQs

  • Atlas Premium Insurance - FAQ's

    Is WorldTrips travel insurance a reliable insurance company? Is WorldTrips insurance a good insurance company?

    WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas. This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.


    What are the benefits of Atlas travel insurance?

    Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country. Atlas Travel Insurance provides coverage for those who are traveling, studying, volunteering, or living outside of their home country. It offers core travel insurance benefits, with coverage from as little as Five days. There are three Atlas travel insurance plans to choose from Atlas Premier, Atlas International and Atlas Essential.

    The benefits offered on the Atlas Travel Medical Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.


    What is the coverage area of WorldTrips Atlas travel insurance?

    Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.


    How much does WorldTrips travel insurance cost?

    The cost of the Worldtrips travel insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers


    How do I purchase Atlas Travel Medical Insurance?

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


    What are the requirements for applying for Atlas Travel Insurance?

    The main requirements for applying for Atlas insurance is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.


    Is WorldTrips insurance a legit company?

    WorldTrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system .The company offers several travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance.


    Can I buy travel insurance from Worldtrips?

    WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.


    Why should I buy travel insurance from WorldTrips insurance?

    WorldTrips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .WorldTrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. WorldTrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.


    Why should I buy travel insurance from WorldTrips insurance?

    For anyone coming to the United States, you will need to have a visa issued in your passport to be allowed in to country unless you are a citizen of a country which is part of the US visa waiver program. The list of countries under Visa waiver program are provided here. The category of visa that you need to apply for is dependent on the reason of your visit to the US. Atlas Premium insurance is very popular with visitors applying for any of these visas to the United States. Some of the Common US visas are :

    1. Visitor visa or Tourist Visa
    2. International Student visa (F1 visa)
    3. J visa (exchange scholar visa)
    4. H1B work visa
    5. Fiancee visa
  • 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.


    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.


    Does Diplomat Insurance cover covid illness?

    Global Underwriters Covid19 travel insurance by Diplomat travel insurance for covid 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.


    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 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.


    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.


    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.


    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 Long Term 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.

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Review travel medical insurance - Blogs and articles

Atlas Premium plan

The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.

Read more »

Diplomat Long Term Plan

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.

Read more »

Which are the best travel 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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