Patriot America Plus Insurance vs Diplomat Long Term Insurance

Compare travel insurance benefits offered by Patriot America Plus, Diplomat Long Term Insurance plans. These two US visitor insurance Diplomat Long Term 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.

IMG vs Global Underwriters visitor insurance cost comparison

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Patriot America Plus vs Diplomat Long Term
Patriot America Plus
Plan Maximum
Deductible
Pre-existing
Diplomat Long Term
Plan Maximum
Deductible
Minimum Enrollment is 3 Months
 Patriot America Plus vs Diplomat Long Term Insurance Benefits
Insurance Providers
Coinsurance In Network: The plan pays 100%
Out Network: IMG pays 80% up to $5k, then 100%.
In Network: Plan pays 80% up to $5k of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit.
Out Network: Plan pays 100% to the medical maximum.
Length of Coverage 5 days up to 12 months - renewable up to 24 months Minimum of 3 months to 365 days & can be renewed online up to maximum of 3 years.
Renewability Yes : Up to 24 months Yes : Up to 3 years
 Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services Covered
Intensive care unit Up to the overall maximum limit $500k
Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible $100 per day to a maximum of 10 days
Urgent Care Clinic $30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay Covered
 Emergency Services
Emergency local ambulance Covered Covered
Hospital emergency room 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 $300 maximum limit due to accident or unexpected pain to sound natural teeth Accident: Usual & Customary Expense; Palliative: $100
 Pre-Existing Condition
Pre-Existing Condition $300 maximum limit due to accident or unexpected pain to sound natural teeth Covers Sudded recurrence of a pre-existing conditions up to $20,000; ($2,500 for age 65 and older)
 Life
AD&D $50k principal sum. $25k with paralysis, coma
Common carrier AD&D $25k per insured child, $100k per insured adult, $250k maximum limit per family. Not subject to deductible Covered
 Evacuation
Emergency medical evacuation Up to the Maximum Limit Covered up to $500k
Emergency reunion $100k maximum limit. Not subject to deductible Covered up to $50k
Return of mortal remains or cremation/burial Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5kmaximum limit for cremation or local burial at the place of death. Not subject to deductible Covered up to $50k
Return of minor children $100k maximum limit. Not subject to deductible Covered up to $50k
Political evacuation and repatriation $100k maximum limit. Not subject to deductible $50k; ($100k if enhanced political and natural disaster evacuation rider is purchased)
Natural disaster evacuation $25k maximum limit. Not subject to deductible (Must be approved in advance by the company) $50k; ($100k if enhanced political and natural disaster evacuation rider is purchased)
Trip interruption $10k maximum limit. Not subject to deductible Covered up to $5k
Terrorism $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.
  • $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 "A" (Excellent) "A" (Excellent)
Brochure and Details

Patriot America Plus vs Diplomat Long Term Insurance Reviews

International tourists visiting USA must be aware of the rising health care cost for visitors to USA. Hospitalization with huge medical bills can be a nightmare without visitors health insurance. Many insurance providers offer different visitors insurance for tourists to the US. It is important to compare the popular visitor insurance before buying adequate travel medical insurance for USA. Here the visitor can compare US visitor insurance cost of Patriot America Plus insurance and Diplomat Long Term insurance plans by reviewing their unique Visitors medical insurance benefits.

Patriot America Plus vs diploamt long term insurance

Patriot America Plus is offered by International Medical Group (IMG) which has been offering international health insurance since 27 years. It also has AM Best Rating: A++ (Superior) rating. Diplomat Long Term is offered by Global Underwriters which is designed for anyone travelling outside their home country for a long period of time. It can be bought for a minimum of 3 months and up to 12 months. This plan can be renewed up to a maximum of 36 consecutive months.

Factors for comparing IMG vs Global Underwriters travel insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Diplomat Long Term vs Patriot America Plus 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 Long Term 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 $2.5k while Diplomat Long Term 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%
Diplomat Long Term Visitor Insurance
  • In PPO network: Plan pays 80% up to $5K of eligible costs.
  • Out PPO network: Then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness.

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 Long Term insurance can be renewed up to 3 years.

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 Long Term 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
Diplomat Long Term pre-existing condition travel insurance
  • Covers sudded recurrence of a pre-existing conditions up to $20,000; ($2,500 for age 65 and older)

Pre-existing conditions coverage comparision

Pre-Existing FAQ's Patriot America Plus Diplomat Long Term
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.

Covers Unexpected Recurrence of a Pre-Existing Condition up to Limited coverage under Your Medical Expense Benefit is provided for Medical Expenses that result from a sudden and unforeseen recurrence of a Pre-existing Condition.

What types of pre-conditions are covered?
  1. Acute Onset of Pre-Existing Condition
  2. Sudden and unexpected outbreak or recurrence
  1. Sudden and unexpected outbreak or recurrence
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 There is no look back period
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 Up to $20,000; ($2,500 for age 65 and older)
  • 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 Long Term
  • Yes
  • Yes
  • Yes
  • No
  • Yes
  • $0 to $5k
  • "A" Excellent
  • Yes
  • C&F Cayman SPC
  • Global Underwriters
  • Buy Now

Key Highlights

Patriot America Plus vs Diplomat Long Term Insurance - FAQs

  • Patriot Travel Insurance - FAQ's

    What are the benefits of Patriot International Lite insurance?

    Patriot International Lite Health Insurance provides coverage for travelers outside their residence country whose destination excludes the US and its territories.

    Patriot International Lite insurance provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan can be renewable up to 2 years.


    What is the coverage area of Patriot International Lite insurance?

    Patriot International Lite provides people outside their home country whose destination excludes the United States or its territories.


    What is Patriot America Plus insurance?

    Patriot America Plus is an A- rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country. The coverage duration is available from 5 days to 365 days.


    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.


    How does Patriot America Lite insurance provider offer coverage for medical expenses?

    Patriot America Lite insurance works for US visitors by offering comprehensive coverage for medical expenses only inside the US. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO or First Health PPO”, after the deductible amount, Patriot America Lite insurance pays 100% of the eligible expenses. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Patriot America Lite insurance would pay 80% of eligible expenses up to $5k, then 100% up to the maximum limit.
    For detailed working example of how it works, you can review Patriot America Lite insurance working example


    Can US citizens buy Patriot America Lite insurance?

    Patriot America Lite Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Lite insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.


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

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


    What are the benefits of Patriot America Plus insurance?

    Patriot America Plus is a travel medical insurance plan offered by International Medical Group (IMG) that addresses the insurance needs of non-U.S. residents who need temporary medical insurance while traveling for business or pleasure to the United States.

    Patriot America insurance provides coverage for medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers.


    What is the coverage area of Patriot America Lite insurance?

    Patriot America Lite insurance provides coverage worldwide except in your country of citizenship.


    What are the requirements for purchasing Patriot America Lite insurance?

    To buy the Patriot America insurance, you will need the travel dates and passport details of the traveler. This will include the name of the traveler, the date of birth, the passport number and the travel dates.

  • Diplomat Long Term 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.


    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 Long Term 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 insurance plan

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Diplomat Long Term Plan

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. Also has adventure sports coverage.

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List of 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.

List of best visitors insurance companies in USA


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