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Diplomat Long Term Insurance vs Safe Travels Elite Insurance

Compare travel insurance benefits offered by Diplomat Long Term, Safe Travels Elite Insurance plans. These US visitor insurance Safe Travels Elite is fixed benefit visitor insurance and Diplomat Long Term is a 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 Trawick International visitor insurance cost comparison

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Diplomat Long Term vs Safe Travels Elite
Diplomat Long Term
Plan Maximum
Deductible
Minimum Enrollment is 3 Months
  Buy Now
Safe Travels Elite
Plan Maximum
Deductible
Covers pre-existing conditions
  Buy Now
Insurance Providers
Coinsurance The plan pays 80% up to $5K of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit Not Available
Length of Coverage Minimum of 3 months to 365 days per policy period. 5 days to 364 days
Renewability up to maximum up to 3 years. Yes
 Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services
Economy: Up to $1.4k/day, 30 day maximum
Basic: Up to $2k/day, 30 day maximum
Silver: Up to $2k/day, 30 day maximum
Gold: Up to $2k/day, 30 day maximum
Platinum: Up to $3k/day, 30 day max
Diamond: $1.5k per day to a maximum of 30 days
Diamond Plus: $1.5k per day to a maximum of 30 days
Intensive care unit Up to 500K
Economy: Additional $2.1k/ day, 10 day maximum
Basic: Additional $2.5k/ day, 8 day maximum
Silver: Additional $2.5k/ day, 8 day maximum
Gold: Additional $3k/ day, 8 day maximum
Platinum: Additional $4.5k/ day, 10 day maximum
Diamond: $2.3k per day to a maximum of 8 days
Diamond Plus: $2.3k per day to a maximum of 8 days
Hospital indemnity $100 per day to a maximum of 10 days Not Available
Urgent Care Clinic Covered
Economy: Limited to $55 per visit, one visit per dayand 30 visits per Policy Period
Basic: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
Silver: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
Gold: Limited to $100 per visit, one visit per day and 30 visits per Policy Period
Platinum: Limited to $130 per visit, one visit per day and 30 visits per Policy Period
Diamond: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
Diamond Plus: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
 Emergency Services
Emergency local ambulance Covered
Economy: $500 per Inciden
Basic: $650 per Incident
Silver: $650 per Incident
Gold: $650 per Incident
Platinum: $750 per Incident
Diamond: $650 per Incident
Diamond Plus: $650 per Incident
Hospital emergency room Covered
Economy: $350 per Incident
Basic: $500 per Incident
Silver: $500 per Incident
Gold: $600 per Incident
Platinum: $800 per Incident
Diamond: $500 per Incident
Diamond Plus: $500 per Incident
 Dental
Emergency dental treatment
Accident: Usual & Customary Expense
Palliative: $100
Economy: $600 per Inciden
Basic: $750 per Incident
Silver: $750 per Incident
Gold: $750 per Incident
Platinum: $750 per Incident
Diamond: $750 per Incident
Diamond Plus: $750 per Incident
 Pre-Existing Condition
Acute Onset of Pre-Existing Conditions
Covers Sudded recurrence of a pre-existing Conditions up to $20,000; ($2,500 for age 65 and older)
Covers Acute Onset of Pre-Existing Conditions :
Economy: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k
Basic: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k
Silver: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k
Gold: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k
Platinum: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k
Diamond: For ages 70-79, up to $25k. For ages 80 and above, up to $15k /Coverage related to Cardiac Conditions or Stroke are limited to $15k
Diamond Plus: For ages 70-79, up to $25k. For ages 80 and above, up to $15k /Coverage related to Cardiac Conditions or Stroke are limited to $15,00
 Life
AD&D Up to $25K Economy: $5k Principal Sum
Basic: $5k Principal Sum
Silver: $7.5k Principal Sum
Gold: $7.5k Principal Sum
Platinum: $10k Principal Sum
Diamond: $5k Principal Sum
Diamond Plus: $5k Principal Sum
Common carrier AD&D Not Available Economy: $25k Principal Sum
Basic: $25k Principal Sum
Silver: $35k Principal Sum
Gold: $35k Principal Sum
Platinum: $35k Principal Sum
Diamond: Not Available
Diamond Plus: Not Available
 Evacuation
Emergency medical evacuation Covered up to $500K
Economy: $100k per Policy Period
Basic: $100k per Policy Period
Silver: $100k per Policy Period
Gold: Unlimited
Platinum: Unlimited
Diamond: $50k per Policy Period and $25k/Lifetime Maximum for Acute Onset over age of 80
Diamond Plus: $50k per Policy Period and $25k/Lifetime Maximum for Acute Onset over age of 80
Emergency reunion Covered up to $50K Not Available
Return of mortal remains or cremation/burial Covered up to $50K
Economy: $7.5k per Policy Period
Basic: $7.5k per Policy Period
Silver: $10k per Policy Period
Gold: $20k per Policy Period
Platinum: $25k per Policy Period
Diamond: $7.5k per Policy Period
Diamond Plus: $7.5k per Policy Period
Return of minor children Up to $50K
Economy: $2.1k per day to a maximum of 10 days
Basic: $2.5k per day to a maximum of 8 days
Silver: $2.5k per day to a maximum of 8 days
Gold: $2.5k per day to a maximum of 8 days
Platinum: $4.5k per day to a maximum of 8 days
Diamond: $2.3k per day to a maximum of 8 days
Diamond Plus: $2.3k per day to a maximum of 8 days
Political evacuation and repatriation Not Available
Economy: $500 per Policy Period
Basic: $500 per Policy Period
Silver: $500 per Policy Period
Gold: $500 per Policy Period
Platinum: $500 per Policy Period
Diamond: $500 per Policy Period
Diamond Plus: $500 per Policy Period
Natural disaster evacuation $50K maximum limit
Economy: $5k per Policy Period
Basic: $5k per Policy Period
Silver: $7.5k per Policy Period
Gold: $7.5k per Policy Period
Platinum: $10k per Policy Period
Diamond: $5k per Policy Period
Diamond Plus: $5k per Policy Period
Trip interruption Up to $5,000 Not Available
Unique Advantages
  • It is a comprehensive plan.
  • Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
  • $20K coverage for 80+ travelers - best coverage.
  • It is a fixed benefit plan.
  • Acute onset of pre existing condition is covered up to 89 years.
  • Good provider network.
  • This elite plan has a $0 deductible.
 Travel Insurance
Underwriter C&F Cayman SPC Zurich Insurance Europe AG Belgian branch
Rating "A" (Excellent) "A" (Excellent
Brochure and Details

Diplomat Long Term vs Safe Travels Elite Insurance Reviews

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.

Diplomat Long Term vs Safe Travels Elite Insurance

Here the visitor can compare US visitor insurance cost of different travel insurance plans, in particular US travel health insurance plans like Diplomat Long Term insurance and Safe travels elite insurance as they offer excellent coverage both for small ailments as well as more 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. Safe Travels Elite Insurance is administered by Trawick International has an AM Best Rating of “A+”. This plan is available for green card holders.

Factors to consider while comparing IMG and WorldTrips insurance

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

01. Compare medical maximum coverage

This the maximum coverage expense that the plan would offer for the medical expenses. Diplomat Long Term offers maximum coverage up to 1 million, while Safe Travels Elite offers coverage up to $175k. 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 Long Term insurance have a range of deductible option from $0 up to $5K while Safe Travels Elite insurance has $0 deductible option up to age 69 years and $100 and $200 are available for age up to 89 years.

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 Long Term Visitor Insurance
  • The plan pays 80% up to $5,000 of eligible costs. Then 100% to the Medical Maximum.
Safe Travels Elite Visitor Insurance
  • Coinsurance is not available

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 longterm is available from minimum of 3 months to 365 days per policy period and can be renewed online up to maximum up to 3 years. while Safe Travels Elite insurance can be extended for a minimum of 5 days to 364 days.

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 Longterm is avilable for Non US citizens and Non-US residents while visiting the United States. Safe Travels Elite is available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.This plan is available for green card holders.

07. Acute onset of Pre-existing conditions coverage:

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).
Safe Travels Elite pre-existing condition travel insurance
  • Covers up to 89 years

Pre-existing conditions coverage comparision

Pre-Existing FAQ's Diplomat Long Term Safe Travels Elite
What is the Pre-Existing Condition definition?

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.

Benefits are payable for an Acute Onset of a Pre-Existing
Condition up to the maximum as stated in the Schedule of Benefits provided the condition or event:
1. occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care;
2. occurs a minimum of 48 hours after the Effective Date of the Policy
3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

What types of pre-conditions are covered?
  1. Sudden and unexpected outbreak or recurrence
  1. Acute Onset of Pre-Existing Condition
  2. 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? Up to $20,000; ($2,500 for age 65 and older) Covered uo to age 79
  • 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 Long Term
  • Yes
  • Yes
  • Yes
  • No
  • Yes
  • $0 to $5,000
  • "A" Excellent
  • Yes
  • C&F Cayman SPC
  • Global Underwriters
  • Buy Now
  • Safe Travels Elite
  • Yes
  • Yes
  • Covers up to 89 years
  • Yes
  • Yes
  • $0
  • “A (Excellent)”
  • Yes
  • Zurich Insurance
  • Trawick International
  • Buy Now

Key Highlights

Diplomat Long Term vs Safe Travels Elite Insurance - FAQs

  • 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.

  • Safe Travels Elite Insurance - FAQ's

    What are the different Trawick international insurance plans?

    Trawick International provides numerous insurance options for all types of travelers, including tourists, students studying abroad, business people and corporates, families and groups of travelers . Some of the different Trawick International Insurance plans are:

    What is the coverage area of Trawick international travel insurance?

    Trawick international insurance is short term travel medical insurance designed for anyone, as long as they are outside their home country.

    How much does Trawick international travel insurance cost?

    The cost of the Trawick international insurance will vary depending on the age of the traveler, the type of coverage and the duration of travel. Typically, travel health insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers and those seeking coverage for pre-existing conditions.

    How do I purchase Trawick international travel medical Insurance?

    You can purchase Trawick international insurance on American Visitor Insurance at buy Safe Travels Elite. you can also call them at (877)-340-7910 to get more information on how to apply for Trawick international travel health insurance from licensed insurance agents.

    What are the requirements for purchasing Trawick international insurance?

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

    How do I cancel a Safe Travels Elite Insurance from Trawick International?

    For Trawick International Travel insurance Policy Cancellation : If your travel insurance USA plan is cancelled you have to submit a written request to info@trawickinternational.com for cancellation and refund of your travel medical insurance premium cost.

    Cancellation before effective date:

    • A full refund would be considered

    Cancellation of the travel health insurance after effective date the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:

    • If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
    • If no claims have been filed with the Company, then
      • a cancellation fee of US $25 will be charged;
      • only full month premiums will be considered as refundable;
    • If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.
    What is the advantage of buying Safe Travels Elite?

    Safe Travels Elite Insurance is an affordable Covid19 travel insurance. Safe Travels Elite Insurance Covid19 travel insurance by Trawick International for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

    Who is eligible to enrol in the Safe Travels Elite travel insurance plan by Trawick international?

    The Safe Travels Elite travel insurance plan by Trawick international is available for foreign residents visiting USA and worldwide and for travelers up to the age of 69 years

    Is there a Cancel for any reason insurance cover with Trawick International travel insurance?

    Cancel for any reason can be included at an additional cost with the Safe Travels First Class Trip Protection and Safe Travels Voyager travel insurance plans by Trawick International.

    Is Trawick International insurance a legit company?

    Trawick International insurance reviews indicate that for 24 years now, Trawick insurance has been offering high-quality and affordable travel insurance products to meet all categories of clients who travel outside of their home country. Trawick International reviews show that it has designed their products for those traveling to the USA, individuals traveling abroad, US Citizens traveling within the USA and non-US citizens traveling overseas but not visiting the USA.

    Can I purchase travel insurance from Trawick International?

    Trawick insurance is a leading travel insurance provider of USA and international travel insurance. Trawick insurance has been a reputed legitimate company for several years. Trawick International insurance is currently offering travel medical insurance worldwide.

    What cover does Trawick International offer in Covid travel insurance? Does Trawick covid insurance have Quarantine coverage for US travelers?

    Trawick International covid insurance is offered to cover coronavirus illness just like any other illness in their Safe Travels First Class Trip Protection and Safe Travels Voyager travel insurance plans. Trawick covid insurance coverage for quarantine related or accommodations due to a covered Trip Delay and an optional upgrade can also be included at an additional cost. The quarantine order should be based on the positive Covid-19 test report. Trawick international covid insurance quarantine coverage is not available in the home country.

    Why should I buy travel insurance from Trawick International?

    Trawick insurance offers worldwide coverage on medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance and several products aimed mainly for travelers to the USA, individuals traveling abroad, US Citizens for domestic travelers within the USA and non US citizens traveling overseas outside of their home country except USA.

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Review travel medical insurance plans - Blogs and articles

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 »

Safe Travel Elite Plan

Safe Travels Elite offers Scheduled Benefits accident and sickness medical coverage, is a fixed benefit , cheap US visitor medical insurance plan. The plan is available to foreign travelers coming to the US.

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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