Patriot America Plus vs Diplomat America - Which Travel Insurance Plan is better?

Compare travel insurance benefits offered by Patriot America Plus, Diplomat America Insurance plans. These two US visitor insurance Diplomat America vs Patriot America Plus are comprehensive benefit visitor insurance plans for international travel which offer coverage for acute onset of pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.

Patriot America Plus vs Diplomat America insurance cost calculator

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Patriot America Plus vs Diplomat America
Patriot America Plus
Plan Maximum
Deductible
Pre-existing
Diplomat America
Plan Maximum
Deductible
Minimum Enrollment is 15 Days
 Patriot America Plus vs Diplomat America insurance benefits
Insurance Providers help
Coinsurance help In-network: The plan pays 100%
Out-of-network: The plan pays 90% of eligible expenses up to $500, then 100%.
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
Length of Coverage help 5 days up to 12 months - renewable up to 24 months 15 days to 365 days
Renewability help Yes : Up to 24 months Not Renewable
 Medical Benefits
Hospital room and board help Average semi-private room rate, including nursing services Covered
Intensive care unit help Up to the overall maximum limit Covered
Hospital indemnity help $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible Covered
Urgent Care Clinic help $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible Covered
 Emergency Services
Emergency local ambulance help Up to the maximum limit Covered
Hospital emergency room help Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Covered
 Dental
Emergency dental treatment help $300 maximum limit due to accident or unexpected pain to sound natural teeth Accident: Usual & Customary Expense; Palliative: $100
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions help Up to the maximum limit.(Insured person must be under 70 years of age) 24 Months prior to the start date of coverage
 Life
AD&D help $50k principal sum. Not subject to deductible $25k (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits
Common carrier AD&D help $25k per insured child, $100K per insured adult, $250k maximum limit per family. Not subject to deductible Covered
 Evacuation
Emergency medical evacuation help Up to the Maximum Limit Covered up to $500k
Emergency reunion help $100k maximum limit. Not subject to deductible Covered up to $50k
Return of mortal remains or cremation/burial help Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible Covered up to $50k
Return of minor children help $100k maximum limit. Not subject to deductible Covered up to $50k
Political evacuation and repatriation help $100k maximum limit. Not subject to deductible Covered up to $50k
Natural disaster evacuation help $25k maximum limit. Not subject to deductible (Must be approved in advance by the company) Covered up to $50k
Terrorism help $50k maximum limit. Not subject to deductible Covered
Unique Advantages
  • It is a comprehensive benefit plan.
  • Optional coverage for Enhanced AD&D rider.
  • Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.
  • Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
  • It is a comprehensive coverage plan.
  • College volleyball players and other sports players can buy Diplomat America plan with the College sports rider.
  • $20k coverage for 80+ travelers - best coverage.
 Travel Insurance
Underwriter Sirius International Insurance Corporation C&F Cayman SPC for and on behalf of ITI SP
Rating help “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s "A" (Excellent)
Brochure and Details

Review of Patriot America Plus vs Diplomat America

Travelling outside your home country involves high risks and uncertainties. A sudden mishap like sickness or accidental injuries which results in hospitalization can lead to a big financial loss. Majority of the travelers are senior citizens and parents visiting their children working or living in a foreign country. In destinations like the US where the health care is sophisticated and extremely high especially for older travelers. The travelers to the US must buy good and adequate Visitor medical insurance which would cover most of the expenses. Some of the senior citizen travelers would look for visitors insurance with pre-existing conditions coverage.

Patriot America Plus vs Diplomat America insurance

International Medical Group (IMG) offers, Patriot America Plus which is quite popular among International tourists to USA. Patriot America Plus and Patriot America Lite Insurance ratings by AM Best Rating is A++ (Superior). 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.

  • FEATURES
  • Cost*
  • Coverage in USA?
  • Parents/Seniors are eligible?
  • Covers Acute onset of Pre-existing?
  • Eligible for Green card holders?
  • Renewable and Cancellable?
  • A.M. Best Rating
  • Underwriter
  • Insurance company
  • Buy now
  • Patriot America Plus
  • $98
  • Yes
  • Yes
  • Yes, covers up to 70 years
  • Yes
  • Yes
  • "A" Excellent
  • Sirius
  • IMG
  • Buy Now
  • Diplomat America
  • $163
  • Yes
  • Yes
  • 24 months waiting period
  • Yes
  • No
  • "A" Excellent
  • C&F Cayman SPC
  • Global Underwriters
  • Buy Now
*Cost for 45 years traveler; $50,000 maximum coverage; $0 deductible.

Patriot America Plus vs Diplomat America : A Quick Comparison

Patriot America Plus Insurance

  • Offers maximum coverage up to 1 million.
  • Deductible options ranges from $0 up to $2500.
  • Covers pre-existing condition up to 70 years.
  • Renewable for up to 2 years.
  • $50 cancellation fee after the effective date.
  • Available for Non US residents traveling to USA.
assignmentPLAN DETAILS picture_as_pdfBROCHURE descriptionPAPER APPLICATION
  • local_hospital

    Provider Network
    United Healthcare Provider Network

  • dentistry

    Dental Treatment
    Up to $300

  • ambulance

    Emergency Medical Evacuation
    Up to $1,000,000 lifetime maximum

  • medical_services

    Urgent Care Clinic
    $25 copay

  • shopping_cartBuy Now

Diplomat America Insurance

  • Offers maximum coverage up to 1 million.
  • Deductible options ranges from $0 up to $5,000.
  • 24-month waiting period for the acute onset of pre-existing conditions.
  • This plan cannot be renewable.
  • Available for Non Us citizens and Non US residents visiting the US.
assignmentPLAN DETAILS picture_as_pdfBROCHURE
  • medical_services

    Urgent Care Clinic
    Urgent care clinic

  • dentistry

    Emergency Dental
    Up to $100

  • ambulance

    Emergency Medical Evacuation
    Up to $250,000

  • airplanemode_inactive

    Interruption of Trip
    $5,000 maximum limit

  • shopping_cartBuy Now

How much does Patriot America Plus vs Diplomat America Insurance insurance cost per month?

Both Patriot America Plus and Diplomat America Insurance provide excellent coverage for travelers visiting the US on a short-term basis. However, it's important to compare the two plans closely to determine which one best meets your specific needs.

You can compare cost for both Patriot America Plus and Diplomat America Insurance plans with $250 deductible.

Patriot America Plus

Travelers Age Maximum $50K Maximum $100K
18 - 29 $44 $56
30 - 39 $56 $77
40 - 49 $79 $99
50 - 59 $130 $163
60 - 64 $151 $198
65 - 69 $173 $222
70 - 79 $256

Diplomat America Insurance

Travelers Age Maximum $50K Maximum $100K
18 - 29 $62 $74
30 - 39 $83 $99
40 - 49 $125 $144
50 - 59 $182 $222
60 - 64 $229 $281
65 - 69 $261 $336
70 - 79 $353

Patriot America Plus vs Diplomat America Insurance - FAQs

  • Patriot America Plus Insurance - FAQ's

    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.


    Can I buy Patriot America Plus insurance after my arrival in the US?

    Yes, the Patriot America insurance can be bought after arrival in the United States. It must be bought within 30 days for travelers above 65 years. The Patriot America Plus can be purchased by travelers below the age of 65 years up to 6 months after arriving in the US.


    Does Patriot America Plus Insurance cover pre-existing conditions?

    Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.


    How can one use Patriot America Plus visitor medical insurance in case of emergency in USA?

    Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.


    I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America Plus insurance?

    Yes Patriot America Plus Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot America Plus insurance online.


    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.

  • Diplomat America Insurance - FAQ's

    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.


    Is Global Underwriters insurance a legit company?

    Global underwriters insurance reviews indicate that it has left its presence in the travel insurance industry for several years. The international medical insurances are designed to cater to the medical risks for US and non US Citizens who travel overseas for various reasons.

    Global Underwriters reviews indicate that along with their comprehensive international accident & sickness medical insurance plans, they also offer special risk insurance products like Defense Base Act, Kidnap & Ransom and business travel accident coverage.


    Does Diplomat Insurance cover covid illness?

    Global Underwriters Covid19 travel insurance by Diplomat travel insurance for covid coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.


    What is the cost of Global Underwriters travel insurance?

    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.


    What is the eligibilty to buy Global Underwriters insurance?

    To be eligible for Global Underwriters insurance coverage, you must not be a citizen of the host country you are traveling to.


    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.


    What is the difference between the Global Underwriters insurance plans?

    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.

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Review travel medical insurance - Blogs and articles

Patriot America Plus plan

Travel with one of the (IMG) Patriot travel insurance plans so that you can spend more time enjoying your international experience and less time worrying about your medical coverage.

Read more »

Diplomat America plan

Diplomat America comprehensive visitor insurance is a popular plan among Non US citizens visiting US and for US citizens residing abroad making short visits to the US. Also has adventure sports coverage.

Read more »

Which are the best visitors insurance companies in USA?

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

Which are the best visitors insurance companies in USA?

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