Patriot America Plus insurance vs Diplomat Long Term insurance, Global Underwriters insurance vs IMG insurance

Compare Travel Plans Patriot America Plus vs Diplomat Long Term	Patriot America Plus Plan Maximum Deductible Pre-existing Yes No Buy Now	Diplomat Long Term Plan Maximum Deductible Minimum Enrollment is 3 Months Buy Now
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 Brochure » Patriot America Details » Patriot America Reviews	» Diplomat Long Term Brochure » Diplomat Long Term Details » Diplomat Long Term Reviews

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?	Acute Onset of Pre-Existing Condition Sudden and unexpected outbreak or recurrence	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