Diplomat America vs Patriot Platinum Insurance Reviews
International Tourists visiting USA must be aware of certain travel and health risks involved when they are outside their home country. The domestic health insurance would not offer coverage outside their home country. While visiting US can be a great experience, a sudden or an unfortunate situation like hospitalization can be traumatic if the tourists doesn’t possess good US visitor medical insurance. There are many comprehensive US medical insurance plans offered by some of the best insurance providers. It is a challenge to select the best Visitor Medical Insurance that satisfies your needs.
Here the visitor can compare US visitor insurance cost of Patriot Platinum insurance and Diplomat America insurance plans by reviewing their unique Visitors medical insurance benefits. Patriot Platinum insurance from IMG is ideal for high end travelers offering coverage from $2 million up to $8 million. Patriot Platinum is renewable up to 3 years. 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.
Factors for comparing IMG and Global Underwriters insurance
Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Patriot Platinum vs Diplomat America travel insurance:
01. Compare medical maximum coverage
This the maximum coverage expense that the plan would offer for the medical expenses. Patriot Platinum offers maximum coverage up to $8M, while Diplomat America offers coverage up to 1 million. 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 America insurance has deductible options from $0 up to $5k.while Patriot Platinum offers coverage from $0 up to $25k.
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
Patriot Platinum Visitor Insurance- In Network: The plan pays 100%
- Out Network: The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit
- The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.
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 America plan cannot be renewable, while Patriot Platinum insurance can be extended for a minimum of 5 days up to a 12 months period. Both plans can be renewed up to 36 months.
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 America Non US citizens and Non-US residents while visiting the United States,this plan is available to the US citizens visiting US on business trips and vacation while living abroad. There is a requirement for a valid international address. Patriot Platinum offers coverage for Non US citizens travelling outside their home country.US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
07. Pre-existing conditions coverage
Patriot Platinum pre-existing condition travel insurance- Covers up to 70 years
- 24 months waiting period
Pre-existing conditions coverage comparision
| Pre-Existing FAQ's | Patriot Platinum | Diplomat America |
|---|---|---|
| What is a Pre-Existing Condition definition? |
Should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition, this coverage provides necessary emergency care for any medical emergency that is life threatening or requires immediate medical treatment. Coverage is available for travelers under age 70, and maximum limits vary by plan and age. |
The waiting period in travel insurance is the time period which the customer has to wait for some or all coverage benefits come into effect. It is the time period from the start of the policy when the traveler does not have the specific benefit coverage even though the policy is active and the premium has been paid for. |
| What types of pre-conditions are covered? |
|
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| Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions? | 3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage | 3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage |
| 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? | Covered up to age 70 | 24 months waiting period |
- 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
- Patriot Platinum
- Yes
- Yes
- Yes, covers up to 70 years
- Yes
- Yes
- $0 to $25K
- "A" Excellent
- Yes
- Sirius
- IMG
- Buy Now
- Diplomat America
- Yes
- Yes
- 24 months waiting period
- Yes
- Yes
- $0 to $5K
- "A" Excellent
- Yes
- C&F Cayman SPC
- Global Underwriters
- Buy Now
Key Highlights
Patriot Platinum Insurance vs Diplomat America Insurance - FAQs
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What is acute onset of pre-existing condition?
Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.
Is IMG travel insurance legit? Is IMG a real insurance company?International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.
What are the benefits of Patriot Platinum insurance?Patriot Platinum is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.US citizens/Expats living outside USA and visiting USA can buy Patriot Platinum Insurance. It provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more.
How much does Patriot Platinum cost?The cost of Patriot Platinum insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $2M, $5M, $8M up to age 70.For people age above 70 years plan maximum is reduced o $20K.
How do I purchase Patriot Platinum insurance?You can get the quotes and make an instant purchase of Patriot Platinum travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.
What is the coverage area of Patriot Platinum insurance?Patriot Platinum is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.
Does IMG sell Cancel for Any Reason Insurance?Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
What does IMG insurance stand for?International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.
Is IMG a good travel insurance company?International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.
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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.
What is Diplomat America Insurance?Diplomat America is an accident and Sickness medical coverage available for Non-U.S. residents traveling to the USA.. 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.
Does Diplomat America Insurance cover pre-existing conditions?Yes. Diplomat America covers pre-existing conditions after 24 months of waiting period.
Does Diplomat America insurance covers sports?Yes. Diplomat America covers Athletic & Hazardous Activity sports.
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.
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