What is Diplomat America insurance?
Diplomat America Insurance offers medical insurance coverage for Non-U.S. residents traveling to the United States. The coverage includes accident & sickness medical benefits, travel assistance, AD&D benefits and optional coverage for adventure sports. Senior Travelers 80 years and over are covered up to $10,000. This valuable travel protection is ideal for students, business and leisure travelers, study abroad, international exchange students, tourists, holiday travelers and church or missionary travellers and US citizens visiting USA.
Diplomat America insurance is ideal for students, study abroad and international exchange students and US citizens visiting USA
Traveler can get all the plan document and plan id card by using Diplomat America insurance login. At American Visitor Insurance, International travelers can contact the Diplomat America insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
- Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
- These plans do not have benefit limits based on the type of medical expense.
- Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Diplomat America Insurance Reviews
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Rating
AM Best Rating: "A" (Excellent)
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Period of Coverage
15 days to 365 days.
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Deductible options
Deductible options from
$0k, $50k, $100k, $250k, $500k, $1k, $2.5k, $5k
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Underwriter
Underwritten by Crum & Forster, SPC.
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Maximum limits
Maximum limits from $20k, $50k and $100k, $250k, $500k, $1M
checklist
Best for- Best for visitors to USA
- Study abroad and international exchange students
- US citizens visiting USA
How much coverage does diplomat America travel insurance offers?
The policy maximum amount of coverage is the cumulative total amount of Dollar amount benefit that is available by Diplomat America travel insurance. Once reached, no other benefits will be available. Diplomat America travel insurance has policy maximum options for Age 80+: $20,000, for Age 70 to 79: $50,000, for Age 65 to 69: $50,000, $100,000 and for all others: $50,000, $100,000, $250,000, $500,000, $1,000,000.
What is the deductible for Diplomat America insurance?
The deductible is the Dollar amount that insured travelers need to pay for coverage before the Diplomat America travel insurance actually starts to pay. Diplomat America travel has deductible options of of $0, $50, $100, $250, $500, $1000, $2500, $5000.
What is the Coinsurance in Diplomat America insurance?
The plan pays 80% up to $5k of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit as a result of an Illness is available. The emergency room deductible will be waived if hospital admittance is within 12 hours of the incident
What are the key highlights of Diplomat America insurance?
- It is an affordable plan for visitors visiting the US
- Acute onset of pre-existing condition Covered up to 70 years
- Plan is renewable for 15 days to 365 days.
- This plan is not available for citizens of Australia and Iran.
- This plan is Available for Green card holders.
- Athletic & Hazardous Activity Benefit Available
Who is eligible for Diplomat America insurance plan?
- Non US citizens and Non-US residents for visiting the United States
- Coverage is NOT available for Australian Citizens.
- This plan does not offer coverage for any travel outside the United States.
- This plan is not available for citizens of Australia and Iran
- This plan is NOT intended to cover any travel outside the United States, except for incidental trips to Canada, Mexico or the Caribbean Islands after you arrive in the US (see policy for details).
- Coverage is available for 2 adults, any unmarried dependent children ages 14 days until their 18th birthday or children traveling alone.
Note: This plan is also available to US citizens returning to the US for vacation or business trips while living abroad. A valid international address is required in order to apply.
Can the Diplomat America insurance be extended or renewed?
"The plan is not renewable”, if additional coverage time is needed, a new application must be completed.
How I will get refund when I cancel diplomat America insurance?
Global Underwriters will provide a refund of your plan cost, less a $25 processing fee, will be considered only if written request is received by Global Underwriters prior to the effective date of coverage. After that date, the premium is considered fully earned and non-refundable. Partial refunds are not available.
What are the optional riders options for Diplomat America?
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
- Additional AD&D file_export
- Purchase up to $100,000 of 24-hour Accidental Death & Dismemberment coverage. Benefits and exclusions are the same as base plan.
- Excess Benefits – All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance.
- Athletic and Hazardous Activity Rider file_export
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Provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities.
- For the below listed activities apply the 1.25 factor to the base premium: BMX; Bobsledding; Bungee Jumping;Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding;
Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate ; Motor Scooter; Motorcycling;Mountain Biking; Piloting any Non-commercial Aircraft; Safari;
Scuba Diving ; Snow Skiing ; Snowboarding; Snowmobiling; Spelunking/Caving; Surfing ; Trekking ; Wakeboarding; Water skiing; Whitewater Rafting ; Wind
Surfing; Zip Lining.
- For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:
- Low-Option additional $25.00 flat monthly rate: Aerial Photograph ; BMX; Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning ; Mountain Climbing ; Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing ; Scuba Diving ; Skydiving; Snow Skiing Off-Piste.
- High-Option additional $50.00 flat monthly rate: Big Game Hunting ; Diving with Sharks;Mountain Climbing ; Running with the Bulls;Security Detail .
- For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:
- Low-Option additional $12.00 flat monthly rate: Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo ; Polo
; Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleybal.
- Middle-Option additional $26.00 flat monthly rate: Basketball; Competitive Cycling ; Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing ; Ski Jumping; Wrestling.
- High-Option additional $80.00 flat monthly rate: Football ; Gymnastics; Rugby; Soccer.
How much does Diplomat America insurance cost per month?
The Diplomat America insurance cost per month ranges between $63 to $353. This is dependent on the age of the traveler, the plan maximum and the deductible.
Understandably, the cost of Diplomat America insurance is higher for older travellers as they are more likely to need healthcare while traveling. Also, the higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers up to age of 64 years can choose maximum limits of $50,000, $100,000, $250,000, $500,000, $1,000,000. Travelers aged 65 to 69 years can choose $50,000 or $100,000 coverage. For travelers above 70 to 79 years only $50,000 maximum coverage is available.
Here we are showing Diplomat America travel insurance cost per month with a deductible of $250.
For senior travelers aged 80 to 99, the cost is $746, with a maximum coverage of $20,000 and a deductible of $250.
A higher deductible has a lower premium, while a lower deductible has a higher premium. This is based on the deductible factors shown here.
| Deductible |
$0 |
$50 |
$100 |
$250 |
$500 |
$1,000 |
$2,500 |
$5,000 |
| Factor |
$1.30 |
$1.20 |
$1.10 |
$1.00 |
$0.90 |
$0.80 |
$0.70 |
$0.60 |
What are the benefits of Diplomat America insurance?
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| Hospital room and board |
Covered |
| Intensive care unit |
Covered |
| Physician visits |
Covered |
| Incidental Trips |
Up to a maximum of 15 days for Incidental Trips to Canada, Mexico, and the Caribbean Islands only. |
| operating room charges |
Covered |
| Emergency Dental Treatment |
Accident: Usual & Customary Expense; Palliative: $100 |
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| Surgical treatment |
Covered |
| Anesthetics |
Covered |
| Radiology / X-ray
|
Covered |
| Emergency Medical Evacuation & Repatriation |
Up to $250,000 |
| Accidental Death and Dismemberment |
$25k (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits |
| physiotherapy
|
Covered |
| Prescription Drugs |
Covered |
| Urgent care clinic |
Covered |
| Ambulance Expenses
|
Covered |
| Emergency Medical Reunion |
Up to $50,000 |
| Return of Minor Child |
Up to $50,000 |
| Return of Mortal Remains |
Up to $50,000 |
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| Intensive care unit |
Covered |
| Interruption of Trip |
Up to $5,000 |
| Loss of Baggage |
$50 per article; up to a maximum of $250 |
| Seat Belt and Airbag Benefit |
Up to $25,000 |
| Felonious Assault Benefit |
Up to $25,000 |
| Home Alteration and Vehicle Modification |
Up to a maximum of $2,500 (within one year after the date of the accident) |
| Political & Natural Disaster Evacuation |
Up to $50,000 |
| Additional Accidental Death & Dismemberment |
Purchase up to $1M of 24 hour AD&D coverage. Benefits and exclusions are same base plan. |
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| Acute onset of pre-existing condition |
24 months waiting. |
| Excess Benefits |
All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance. |
How can I buy Diplomat America travel insurance online?
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Complete the quote form by entering your travel information
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Global Underwriters Insurance - Common Questions
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.
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.
Some of the different types of travel insurance plans offered by Global Underwriters are:
The different types of travel insurance plans offered by Global Underwriters have different coverage options and benefits. For example, the Diplomat America 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.
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.
The main requirements for applying for Global Underwriters insurance is the travelers passport details and the travel dates. You can apply for Global Underwriters insurance online on American Visitor Insurance or call (877)-340-7910 to get help in applying for Global Underwriters insurance.
Global Underwriters insurance is available for international visitors outside their home country.
To be eligible for Global Underwriters insurance coverage, you must not be a citizen of the host country you are traveling to.
This International Accident & Sickness insurance is designed to cover Non-U.S. Residents traveling to the United States.This valuable travel medical protection is ideal for students, business and leisure travelers, study abroad, international exchange students, tourists, holiday travelers, and church or missionary travelers.
When traveling outside your home country, your insurance plan may not provide the coverage you need should you become ill or injured. International Accident & Sickness Insurance can help protect you in these situations.
How do I file a claim with Diplomat America Insurance?
To file a claim with Diplomat America Insurance, follow these steps:
- Download the Claims Form: Access the Diplomat America insurance claims form online.
- Contact Customer Support: Call the toll-free number 800-605-2282 for guidance or assistance.
- Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents and submit a Claimant's Statement and Authorization form along with supporting documents for every incident:
- Mailing Address: WorldTrips PO Box 240358 Apple Valley, MN 55124.
- Email Assistance: For additional help or inquiries, email service@diplomatamerica.com.
Know more about Global Underwriters Claims »
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What are the restrictions of Diplomat America insurance?
- Coverage is NOT available for residents of USA, Australia, or Iran.
- This plan is NOT intended to cover any travel outside the United States, except for incidental trips to Canada, Mexico or the Caribbean Islands after you arrive in the US.
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