| Period of Coverage |
Minimum 15 days to 12 months.
Cannot be renewed |
Minimum 3 months to 12 months
Additional coverage: Up to 12 months to a maximum of 36 consecutive months.
Can be renewed |
| Coronavirus coverage |
| Coronavirus or covid19 is covered by Diplomat America and Diplomat Longterm insurance |
| Ideal for |
Non US residents travelling to the US
US citizen living outside the US and need coverage in the US as long as they use their outside US address |
Non US residents travelling to the US and for those travelling outside their home country |
| Brochure & Details links |
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| Underwriter |
Diplomat America Insurance Underwriter
Underwritten by Advent Underwriting Limited on behalf of Syndicate 780 at Lloyd’s |
Diplomat Long Term Insurance Underwriter
Underwritten by Advent Underwriting Limited on behalf of Syndicate 780 at Lloyd’s |
| Rating |
Diplomat America Insurance Rating
AM Best Rating: "A" (Excellent) |
Diplomat Long Term Insurance Rating
AM Best Rating: "A" (Excellent) |
| Coinsurance |
Inside the US & Canada:
After the selected deductible is paid, Diplomat America pays 80% up to $5,000 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. |
Outside the US: After the selected deductible is paid Diplomat Longterm will pay 100% of Covered Expenses outside the USA and Canada up to the selected policy maximum.
Inside the US: After the selected deductible is paid, Diplomat Longterm pays 80% up to $5,000 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. |
| Pre-existing Conditions Look back period |
| 24 months prior to the start date of the coverage |
18 months prior to the start date of the coverage |
| Sudden Recurrence of a pre-existing conditions: |
| Not covered |
For US Citizens only. Up to $20,000 Age 65+: $2,500 |
| Emergency Medical Evacuation & Repatriation |
| Up to $500,000 |
Up to $500,000 |
| Return of Mortal Remains |
| Up to $50,000 |
Up to $50,000 |
| Emergency Reunion |
| Up to $50,000 |
Up to $50,000 |
| Emergency Dental Treatment |
$100 for relief of pain to natural teeth.
Accident: Usual and Customary Expense for emergency Dental Treatment to natural teeth. |
$100 for relief of pain to natural teeth.
Accident: Usual and Customary Expense for emergency Dental Treatment to natural teeth. |
| Accidental Death and Dismemberment |
| $25,000 (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits |
$25,000 with paralysis, coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits |
| Loss of Baggage |
| $50 per article; up to a maximum of $250 |
$50 per article; up to a maximum of $250 |
| Incidental Trips |
| Up to a maximum of 15 days for Incidental Trips to Canada, Mexico, and the Caribbean Islands only. |
Not covered |
| Interruption of Trip |
| Not covered |
$5,000 |
| Return of Minor Child |
| $50,000 |
$50,000 |
| Additional Accidental Death & Dismemberment |
| Purchase up to $1,000,000 of 24 hour AD&D coverage. Benefits and exclusions are same base plan. |
Not covered |
| Optional Plan Enhancements |
- Athletic & Hazardous Activity Benefit Available
- Political and Natural Disaster Evacuation: $50,000
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- Athletic & Hazardous Activity Benefit
- Home Country Coverage
- War Risk Coverage
- Political and Natural Disaster Evacuation: $50,000
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| Excess Benefits |
| All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance. |
All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance. |
| Unique Advantages |
Diplomat America Insurance Advantages:
- Comprehensive coverage plan.
- $20,000 coverage for 80+ travelers - best coverage.
- Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
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Diplomat Long Term Insurance Advantages:
- Comprehensive coverage plan.
- Optional rider cover for hazardous activity, Athletic coverage and home country coverage.
- Plan can be purchased initially for a maximum of 12 months and can be renewed up to 36 months.
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