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Diplomat America Insurance Reviews for Covid19

Diplomat America Insurance Cost

Age & Citizenship
Destination
Start date
End date
Xplorer Essential Insurance
Insurance provider
Global Underwriters
Plan life
15 days to 365 days
Deductible options?
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000 per person/plan period
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000, Age 80+: 20,000
Diplomat America Insurance Rating
AM Best Rating: "A" (Excellent)
Diplomat America Underwriter
Underwritten by C&F Cayman SPC for and on behalf of ITI SP.

Diplomat America Links

  • Brochure
  • Details
  • Comprehensive
  • Claims
  • Provider Network

Diplomat America Insurance, Diplomat America travel insurance for USA - Key Highlights

  • This plan is for Non Us citizens and Non US residents visiting the US.
  • 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..
  • This plan is not available for citizens of Australia and Iran.
  • The plan covers 80% of eligible expenses up to $5000 and then covers 100% after the deductible.
  • This plan covers COVID-19 as any other illness provided the illness is not already existing before the purchase of the plan.
  • This plan is not available for travel to Afghanistan.

Diplomat America travel insurance

  • The coverage is available for Non US Residents while visiting the United States. Visiting Canada or any foreign country from the USA is not covered.
  • The minimum period of coverage is 15 days and the maximum is 12 months. You can also combine these two increments to suit your travel needs.
  • Ideal for US citizens visiting USA.
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A working example of using Diplomat America insurance*

Let us take an example of Plan-A: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000.
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US: After the deductible, 80% of first $5,000 and then 100% to the policy limit
  • Total medical expenses is $25,100
Diplomat America insurance for USA
The insured must pay the deductible ($100) before the insurance plan pays anything. Since the policy maximum coverage is $50,000. and the total amount billed is $25,000, the policy will pay 80% of first $5,000 then 100% up to the policy limit ($50,000). In this case the insured expense after the deductible is 20% of first $5,000, which is $1,000. Thus your final expense is $1,100 while the insurance company will cover the remaining $24,000.

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Hospital Room Rent $9,000 $8,000 $1,000 (20% of first $5,000)
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,100 $24,000 $1,100
* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.
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Diplomat America Insurance Information

Diplomat America Insurance advantages

  • Diplomat America Insurance Covid19 travel insurance by Global Underwriters for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
  • Comprehensive coverage plan.
  • The plan pays co-insurance 80% of Covered Expenses up to $5,000 and 100% thereafter up to the selected policy maximum.
  • Deductible per policy period.
  • $20,000 coverage for 80+ travelers - best coverage.
  • Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.

Diplomat America Insurance Disadvantages

  • Not renewable.
  • Pre-Existing Condition Exclusion: 24 months prior to the start date of coverage.
  • Plan not available for travelers traveling outside of US.
  • Refund of premium after deducting processing charges if intimated before the effective date of the policy.

Does Diplomat America Insurance cover covid illness?

Global Underwriters Covid19 travel insurance by Diplomat America 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 are some insurance terms important in Diplomat America Insurance reviews?

  • Plan Maximum coverage of Diplomat America travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Diplomat America insurance offers plan maximum options of $50,000, $100,000, $250,000, $500,000, $1,000,000 are available.
  • What is a deductible in Diplomat America visitors insurance?
    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.Diplomat America insurance has deductible options from $0 to $5000.
  • What is a provider network of Diplomat America Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. 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.
  • What is coinsurance in Diplomat America visitor insurance?
    This is a percentage of the bill that the travel has to pay. Diplomat America plan pays 80% up to $5,000 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. The emergency room deductible will be waived if hospital admittance is within 12 hours of the incident.
  • Renewability of Diplomat America Travel health insurance
    Diplomat America Insurance can be renewed from 15 days to 365 days.
  • Eligibility to buy Diplomat America Insurance Online
    It is ideal for non US Residents while visiting the United States. Visiting Canada or any foreign country from the USA is not covered.
  • Diplomat America Insurance underwritten by C&F Cayman SPC for and on behalf of ITI SP. and rating "A (Excellent)" by AM Best Rating.
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Global Underwriters Travel insurance - Common Questions

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 there coverage for Covid-19 illness in Global Underwriters travel insurance?

GlobalUnderwriters covid insurance covers covid-19 sickness as a new sickness in their Diplomat America Insurance and Diplomat Long Term travel insurance plans for Non US citizens and Non US residents visiting the US.

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.

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.

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 Travel health insurance coverage

Planning to travel overseas needs detailed and well balanced planning of the trip. It is very important for travelers to buy travel health insurance while travelling away from their home country and if you plan for a long trip then long term holiday planner coverage is needed. A travel insurance cover will provide protection towards all sudden accidents and illness. While traveling to the US, international travelers should include a visitors insurance cover for a safe and stress free travel.

The domestic health insurance of the home country invariably provides little or no coverage in a new country. A visitors medical diplomat insurance plan will protect the insured from huge medical bills in case of hospitalization in a foreign country. An insured traveler can get cashless medical facilities up to the insured amount within the US.

What is travel health insurance plan?

A travel health insurance (also known as visitors insurance) plan provides coverage for travelers outside their home country for both long and short trips as opposed to domestic health insurance which cover offers protection for the insured within their home country.The visitors medical insurance offers protection both for medical and travel accidents and illness while on an international trip.

The insured receive medical care and assistance for unexpected medical and travel events while travelling overseas.
Visitor health insurance is available for all categories of the travelers like for vacationers, business men, Students, short visits and annual multi-trips depending on the duration of the stay and the visa type of the traveler.

What does visitors medical insurance cover?

A visitors health insurance plan covers:

  1. Any new sickness or injury that occurs during the trip after the start of the policy.
  2. Accidents or illness occurred during the trip
  3. Medical emergencies and medical evacuation
  4. Cover for hospital treatment, doctor expenses and prescribed drugs
  5. Some plans cover acute onset of pre-existing conditions
  6. Dental emergencies (again offered by some insurance plans)

What does the visitor health insurance not cover?

  1. Preventive care like routine health checks, physical examinations, inoculation, vaccination
  2. Regular treatment for pre-existing conditions
  3. Medical emergencies and medical evacuation
  4. Maternity coverage if conception occurs before purchase of visitor health insurance

What are the different types of visitor insurance plans?

There are broadly two types of visitors health insurance that a traveler can choose based on their travel requirements.
Fixed benefit travel insurance coverage : A fixed benefit insurance plan is a basic plan with lower benefits and lower premiums. These covers offer basic standard medical coverage and stay in case unforeseen medical or travel events occur while traveling away from home country. There are few plans that cover acute onset of pre-existing conditions up to a certain limit.

Comprehensive travel insurance coverage : Comprehensive travel insurance offers exhaustive coverage but are more expensive when compared to the fixed benefit plans. Most of the comprehensive plans offer coverage for acute onset of pre-existing conditions. The insured can visit doctors within their PPO network to get cashless services. There are many US insurance providers who offer good comprehensive visitors health insurance plans like Patriot America Plus, Safe Travel USA Comprehensive, Atlas Travel and Liaison Travel Plus.

How can the insured use US visitor health insurance?

Hospitals and Urgent care – the Insured can produce their visitor medical insurance card at the urgent care in an event of falling sick or injured while in the US. If the insured requires medical assistance then he can visit a hospital where cashless medical services can be availed.

Prescriptions – The insured can buy prescribed medicines for a medical ailment that occurs during travel and file a claim for reimbursement along with the proof of the receipt.
Travelers to the US or anywhere outside their home country should have adequate visitor insurance coverage for a safe journey.

Diplomat America Insurance Restrictions

  • Coverage is NOT available for residents of USA, Australia, or Iran.
  • This plan is NOT intended to cover any travel outside the United States, except for incidental trips to Canada, Mexico or the Caribbean Islands after you arrive in the US.

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