What is Diplomat Long Term insurance?
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. The plan is renewable up to 3 years. Senior Travelers 80 years and over are covered up to $20,000. Offers optional coverage for treatment of injuries resulting from adventure sports. 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. Ideal for US citizens visiting USA.
Traveler can get all the plan document and plan id card by using Diplomat Long Term insurance login. At American Visitor Insurance, International travelers can contact the Diplomat Long Term 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)
View detailed description links of Diplomat Long Term plans:
Diplomat Long Term Insurance Reviews
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Rating
AM Rating: A(Excellent)
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Period of Coverage
Minimum 90 days to 364 days.
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Deductible options
Deductible options from
$0, $50, $100, $250, $500, $1k, $2.5k, $5k
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Best for- Business or Leisure Travel, International exchange students
- Students While Studying Abroad
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Maximum limits
Maximum limits from $500,000 and $1,000,000
For seniors : $20,000.
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Underwriter
Underwritten by Crum & Forster, SPC.
How much coverage does Diplomat Long Term travel insurance offers?
The policy maximum amount of coverage is the cumulative total amount of Dollar amount benefit that is available by Diplomat Long Term travel insurance. Once reached, no other benefits will be available. Diplomat Long Term travel insurance has policy maximum options for Age 80+: $20,000, for Age 70 to 79: $50,000, for Age 65 to 69: $100,000 and for all others: $50,000, $100,000, $250,000, $500,000, $1,000,000.
What is the deductible for Diplomat Long Term insurance?
The deductible is the Dollar amount that insured travelers need to pay for coverage before the Diplomat Long Term travel insurance actually starts to pay. Diplomat Long Term travel has deductible options of of $0, $50, $100, $250, $500, $1000, $2500, $5000.
What is the Coinsurance in Diplomat Long Term insurance?
Co-insurance is the percentage of eligible expenses the company will pay after the deductible is met. If the insured receives treatment in the PPO Network, Diplomat Long Term insurance pays 100%. And Outside the PPO Network the plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
Who is eligible for Diplomat Long Term insurance plan?
- Non US Residents while visiting the US.
- Individuals travelling outside their home country.
Can the Diplomat Long Term insurance be extended or renewed?
This plan can renewable up to 3 years.
What is the Diplomat Long Term Insurance Refund?
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 Long Term insurance plan?
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
- Home Country Coverage Rider
- Offers limited coverage while in the home country.The plans pays 80% up to $50k of the covered expenses, then 100% to a maximum of $50k for incidental trips to home country or $10k for extension of benefits.
- War Risk Coverage
Available for Outside of the USA and the insured’s home country. More Details »
- Additional AD&D
- 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
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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 Long Term insurance cost?
The Diplomat Long Term insurance cost for 3 months ranges between $434 to $2,529. This is dependent on the age of the traveler, the plan maximum and the deductible.
Understandably, the cost of Diplomat Long Term 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 $100,000 coverage. For travelers above 70 to 79 years only $50,000 maximum coverage is available.
Here we are showing Diplomat Long Term America travel insurance cost for 3 months with a deductible of $250.
For travelers aged 65 – 69, the cost is $1,110, with a maximum coverage of $100,000 and a deductible of $250.
For travelers aged 70 – 79, the cost is $2,202, with a maximum coverage of $50,000 and a deductible of $250.
For senior travelers aged 80 to 99, the cost is $2,529, with a maximum coverage of $20,000 and a deductible of $250.
The Diplomat Long Term International insurance cost for 3 months ranges between $257 to $1171. This is dependent on the age of the traveler, the plan maximum and the deductible.
Here we are showing Diplomat Long Term International travel insurance for 3 months with 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 Long Term insurance?
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| Hospital room and board |
Covered |
| Intensive care unit |
Covered |
| Physician visits |
Covered |
| Accidental Death and Dismemberment |
$25,000 with paralysis, coma |
| Emergency Dental Treatment |
Accident: Usual & Customary Expense; Palliative: $100 |
| Emergency Dental Treatment (Accident) |
Usual and Customary Expense for emergency Dental Treatment to natural teeth |
| operating room charges |
Covered |
-
| Surgical treatment |
Covered |
| Physician visits |
Covered |
| Anesthetics |
Covered |
| Radiology / X-ray
|
Covered |
| physiotherapy
|
Covered |
| Prescription Drugs |
Covered |
| Urgent care clinic |
Covered |
| Emergency Medical Evacuation & Repatriation |
$250,000 |
| Return of Mortal Remains |
$50,000 |
| Return of Minor Child |
$50,000 |
| Ambulance Expenses
|
Covered |
-
| Emergency Medical Reunion |
$50,000 |
| Interruption of Trip |
$5,000 |
| Loss of Baggage |
$50 per article; up to a maximum of $250 |
| Political & Natural Disaster Evacuation |
$50,000; ($100k if enhanced political and natural disaster evacuation rider is purchased) |
| In Hospital Indemnity (for US citizens only) |
$100 per day to a maximum of 10 days |
| 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) |
| Coma Benefit |
Covered ($250 per month). |
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| Sudden Recurrence of a Pre-existing Conditions |
Up to $20,000; ($2,500 for age 65 and older) |
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| Excess Benefits |
All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance. |
| Sports coverage |
Athletic & Hazardous Activity Benefit Available |
Diplomat Long Term insurance for Visitors - FAQ's
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.
Diplomat Long Term visitor medical insurance is an accident and Sickness medical coverage available for Non-U.S. residents traveling to the USA. This plan offers Long Term medical insurance coverage to travelers who need Long Term holiday planner coverage for any age travelling outside or inside the US. The plan is renewable up to 3 years.
Yes. Diplomat Long Term covers sudden recurrence of a pre-existing conditions up to $20k; ($2,500 for age 65 and older).
Yes. Diplomat Long Term covers Athletic & Hazardous Activity sports.
Yes. Available for outside the USA.
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How do I file a claim with Diplomat Long Term Insurance?
To file a claim with Diplomat Long Term Insurance, follow these steps:
- Download the Claims Form: Access the Diplomat Long Term 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 »
What are the restrictions of Diplomat Long Term insurance?
- Coverage is NOT available for travel in Afghanistan, Cuba, or Iran.
- Coverage is NOT available for residents of Australia and Iran, or residents of New York, Maryland and South Dakota.
Compare Diplomat Long Term with other travel insurance plan