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Diplomat America vs Diplomat International vs Diplomat Longterm

Compare travel insurance benefits offered by Diplomat America insurance, Diplomat International Insurance and Diplomat Longterm plans. These three US travel insurance plans are comprehensives benefit visitor insurance plans for international travel. Compare price and benefits to find the best US travel medical insurance plan for your needs.


Compare Diplomat America vs Diplomat International vs Diplomat Longterm

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Diplomat America
Plan Maximum
Deductible
Diplomat Long Term
Plan Maximum
Deductible
Diplomat International
Plan Maximum
Deductible
Brochure & Details links
Underwriter
Diplomat America Insurance Underwriter
Underwritten by C&F Cayman SPC for and on behalf of ITI SP.
Diplomat Long Term Insurance Underwriter
Underwritten by C&F Cayman SPC for and on behalf of ITI SP.
Diplomat International 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)
Diplomat International Insurance Underwriter
AM Best Rating: "A" (Excellent)
Coronavirus coverage
Diplomat America Covid Insurance by Global Underwriters offers coverage for covid-19 as a new sickness. Diplomat Long Term Covid Insurance by Global Underwriters offers coverage for covid-19 as a new sickness. Not Covered
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.
Outside the US & Canada:After you pay your selected deductible Diplomat International will pay 100% of Covered Expenses outside the USA and Canada up to the selected policy maximum.
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 country Individuals while traveling outside their Home Country, but not to the United States
Period of Coverage
15 days to 12 months.
Cannot be renewed
3 months to 12 months
Additional coverage: Up to 12 months to a maximum of 36 consecutive months.
Can be renewed
5 days to 12 months.
Cannot be renewed
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 12 months prior to the start date of the coverage
Sudden Recurrence of a pre-existing conditions:
No coverage For US Citizens only. Up to $20,000 Age 65+: $2,500 No coverage
Unexpected Recurrence of a pre-existing conditions:
No coverage No coverage For US Citizens only. Up to $20,000 Age 65+: $2,500
In Hospital Indemnity (US Citizens only)
No coverage $100 per day for a maximum of 10 days $100 per day maximum of 10 days
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.
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.
Diplomat International Insurance Advantages:
  • It is a comprehensive coverage plan.
  • Optional Riders coverage for hazardous activity, athletic sports and home country coverage
  • Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.

Compare Diplomat America vs Diplomat International vs Diplomat Longterm

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. 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.

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Global Underwriters coronavirus travel insurance coverage for Covid 19

Global Underwriters travel insurance offers Diplomat America travel insurance coverage for coronavirus as any new sickness. The coronavirus testing would be covered if a medical physician deems it necessary that the insured fits the criteria for the test and the insured is effective on the policy during the time of the testing. The medical expenses would be covered as well during the time of the policy and if the signs and symptoms started during the effective date of the policy and will be paid per the parameters of the Diplomat travel insurance policy.

Is COVID-19 Covered For Diplomat International plan?

For Diplomat International plan:
Covid-19 is excluded on the Diplomat International plan. This plan does not cover any claim in any way caused by or resulting from:
a) Coronavirus disease (COVID-19);
b) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);
c) any mutation or variation of SARS-CoV-2;
d) any fear or threat of a), b) or c) above

For Covid19 travel insurance, please buy Diplomat Longterm insurance with Global Underwriters coronavirus travel medical coverage.

Global Underwriters - Frequently asked questions

1.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.
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.
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.
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.
After you pay the selected deductible, the plan 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.
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