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Global Underwriters Diplomat International Insurance Reviews

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AM Best Rating: "A" (Excellent)
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Underwriter
HDI Global Specialty SE

Ideal for Unexpected Recurrence of a Pre-existing Condition Adventure sports

Diplomat International insurance review

Diplomat International Insurance offers medical insurance coverage to travelers of any age travelling outside their home country. The coverage includes accident & sickness medical benefits, travel assistance, AD&D benefits and optional coverage for adventure sports. Travelers aged 80 years and above are covered up to $20k.

  • picture_as_pdf Brochure
  • thumb_up Advantages
  • thumb_down Disadvantages
  • draft Comprehensive

Key benefits of Diplomat International Insurance

draft Accident & sickness medical insurance

ecg_heartPre-existing condition

signal_cellular_alt Comprehensive Coverage

sports_soccer Sports coverage

school Trip Delay

medical_services Emergency medical evacuation

Customer Reviews

Reviews, Ratings and Experiences

"The compassionate care you gave me in the handling of my need, in my hour of need, was exemplary! We never felt like we were merely a case number — we felt the sincerity of your heartfelt response, as I shared my heart with you, both by phone and by e-mail correspondence."
  |   Steve E
"Thanks for all the help and continued support you have provided. Although one hopes never to use travel insurance, you were a god-send throughout our ordeal. We couldn’t have done it without your continued assistance. Thanks again for everything."
  |   Joan
"I was unlucky enough to fall ill while abroad, and filed two claims with IMG; I was quite pleased at how easy and straight-forward this process was. My claims were processed quickly and without loads of red-tape. The representatives I spoke with were polite and helpful, as well."
  |   Kelli M

Advantages and Disadvantages of Diplomat International Insurance

  • Diplomat International Insurance Advantages
    • It is a comprehensive coverage plan.
    • Travelers 71-79 years can get coverage of $50,000 and $100,000 while 80+ travelers can get coverage of $20,000.
    • Refund of premium before the policy start date after deducting the cancellation charges.
    • Optional Riders coverage for hazardous activity, athletic sports, war risk coverage and home country coverage.
    • Co-insurance: Plan pays 100% of covered expenses outside USA and Canada up to the policy maximum.
    • This plan covers for trip interruption, emergency reunion and in hospital benefit.
    • Deductible per policy period.
  • Diplomat International Insurance Disadvantages
    • Plan covers only individuals traveling outside their home country but not US.
    • There is no refund after the policy starts date, though the policy holder is not traveled.
    • Does not cover pre-existing conditions for non-US citizens.

An Overview of Diplomat International Insurance

Eligibility

  • This plan is available for people traveling outside their home Country excluding USA.
  • This plan does not offer coverage for any travel outside the United States.

Restrictions

  • Diplomat International Insurance is not available for travel to Afghanistan.

Pre-existing condition

  • Unexpected Recurrence of a Pre-existing Condition up to $20k; ($2,500 for age 65 and older)

Coinsurance

  • The plan pays 100% to the medical maximum outside USA and Canada

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A working example of using Diplomat International insurance*

Let us take an example for 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 : After the deductible, underwriters will pay 100% up to the policy limit
  • Total medical expenses is $25,100

The Diplomat International Insurance plan covers set amount up to a maximum of $50,000. The insured must pay the deductible ($100). After that, the insurance company pays fixed amount as defined in the policy for specific treatment. In hypothetical case, the insured has to pay the difference between the amount insurance pays and the actual billed amount.

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Hospital Room Rent $9,000 $9,000 $0
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total: $25,100 $25,000 $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.

Diplomat International Travel Medical Insurance - FAQ's

1. What is Diplomat International Insurance?

Diplomat International travel insurance designed for U.S. Citizens traveling outside the United States or Non-U.S. Citizens traveling outside their home country, with no travel to the United States. This valuable travel protection is ideal for students, business and leisure travelers, study abroad, international exchange students, tourists, holiday travelers, and church or missionary travelers.

2. Does Diplomat International Insurance cover pre-existing conditions?

Yes, Diplomat International travel insurance covers unexpected recurrence of pre-existing conditions for us citizens only.

3. Does Diplomat International insurance covers sports?

Yes. Diplomat International covers optional Athletic & Hazardous Activity sports.

4. 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.

5. 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.

6. What are the different types of Global Underwriters travel insurance?

Some of the different types of travel insurance plans offered by Global Underwriters are:

7. 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.

8. 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.

9. What are the requirements for applying for Global Underwriters insurance?

The main requirements for applying for Global Underwriters insurance is the travelers passport details and the travel dates. You can apply for Global Underwriters insurance online on American Visitor Insurance or call (877)-340-7910 to get help in applying for Global Underwriters insurance.

10. For which countries can I buy Global Underwriters travel insurance?

Global Underwriters insurance is available for international visitors outside their home country.