Diplomat Long Term Insurance Cost

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Minimum purchase of 90 days is required
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Global Underwriters Diplomat Long Term Insurance Reviews

AM Best Rating: "A" (Excellent)
C&F Cayman SPC for and on behalf of ITI SP.

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

Diplomat Long Term insurance review

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. The plan is renewable up to 3 years. Senior Travelers 80 years and over are covered up to $20,000. Offers optional coverage for treatment of injuries resulting from adventure sports. Ideal for US citizens visiting USA.

Key benefits of Diplomat Long Term Insurance

Pre-existing condition

Comprehensive plan

Emergency Medical Evacuation

Hospital Indemnity


Sports coverage

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 Long Term Insurance

  • Diplomat Long Term Insurance Advantages
    • It is a comprehensive coverage plan.
    • Deductible per policy period.
    • $100,000 coverage for 71-79 years, $20,000 coverage for 80+ travelers.
    • Optional rider cover for hazardous activity, Athletic coverage and home country coverage.
    • This Plan also covers AD & D, emergency reunion, trip interruption, baggage loss.
    • Plan can be purchased initially for a maximum of 12 months and can be renewed up to 36 months.
  • Diplomat Long Term Insurance Disadvantages
    • Does not cover pre-existing conditions for non-US citizens.
    • Pre-existing conditions exclusion 18 months prior to the start date of coverage.
    • Refund of premium after deducting processing charges if intimated before the effective date of the policy.

An Overview of Diplomat Long Term Insurance


  • Non US Residents while visiting the US.
  • Individuals travelling outside their home country.
  • Minimum purhase is 90 days.


  • Diplomat Long Term Insurance is not available for travel to Afghanistan.


  • The plan is available from 90 days to 364 days and it can be renewable up to 3 years


  • In Network: After you pay the selected deductible, the plan pays 80% up to $5k of eligible costs, then 100% to the medical maximum.
  • Out Network: The plan pays 100% to the medical maximum outside USA and Canada.

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A working example of using Diplomat Long Term insurance*

Let us take an example: The medical bill is $25,000; Deductible is $250 and choosen Policy Maximum is $500,000.
  • Insurance coverage is $500,000
  • Deductible s $250 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 $25,250

The insured must pay the deductible ($250) before the insurance plan pays anything. Since the policy maximum coverage is $500,000. and the total amount billed is $25,000, the policy will pay 80% of first $5,000 then 100% up to the policy limit ($500,000). In this case the insured expense after the deductible is 20% of first $5,000, which is $1,000. Thus your final expense is $1,250 while the insurance company will cover the remaining $24,000.

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $250 $0 $250
Hospital Room Rent $9,000 $8,000($4,000 + $4,000(80% of first $5,000)) $1,000 (20% of first $5,000)
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,250 $24,000 $1,250
*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 Long Term Travel Medical Insurance - FAQ's

1. 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.

2. 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.

3. What is Diplomat Long Term Insurance?

Diplomat long term visitor medical insurance is an accident and Sickness medical coverage available for Non-U.S. residents traveling to the USA. This plan offers long term medical insurance coverage to travelers who need long term holiday planner coverage for any age travelling outside or inside the US. The plan is renewable up to 3 years.

4. Does Diplomat Long Term Insurance cover pre-existing conditions?

Yes. Diplomat Long Term covers sudden recurrence of a pre-existing conditions up to $20k; ($2,500 for age 65 and older).

5. Does Diplomat Long Term insurance covers sports?

Yes. Diplomat Long Term covers Athletic & Hazardous Activity sports.

6. Does Diplomat Long Term insurance covers war risk coverage?

Yes. Available for outside the USA.

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