Patriot America Plus vs Diplomat America Insurance Reviews
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. 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.
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 Atlas America 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 America Plus offers maximum coverage up to 1 million, 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. Patriot America Plu insurance have a range of deductible option from $0 up to $250 while Diplomat America insurance has deductible options from $0 up to $5k.
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 America Plus Visitor Insurance- In Network: The plan pays 100%
- Out of Network: Plan pays 80% of eligible expenses up to $5K, then 100%
- 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. Patriot America Plus Insurance can be renewed up to 2 years while Diplomat America plan cannot be renewable.
06. Compare eligibility options
All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America Plus Insurance 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. While 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.
07. Pre-existing conditions coverage
Patriot America Plus pre-existing condition travel insurance- Covers up to 70 years
- 24 months waiting period.
Pre-existing conditions coverage comparision
| Pre-Existing FAQ's | Patriot America Plus | 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 America Plus
- Yes
- Yes
- Yes, covers up to 70 years
- Yes
- Yes
- $0 to $2.5K
- "A" Excellent
- Yes
- Sirius
- IMG
- Buy Now
- Diplomat America
- Yes
- Yes
- 24 months waiting period
- Yes
- No
- $0 to $5,000
- "A" Excellent
- Yes
- C&F Cayman SPC
- Global Underwriters
- Buy Now
Key Highlights
Patriot America Plus 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.
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.
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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.
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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