Global Underwriters Diplomat Long Term Insurance Reviews
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.
At American Visitor Insurance, US Travelers can contact the Diplomat Long Term Customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Customer Reviews
Reviews, Ratings and Experiences
Diplomat Long Term Travel insurance optional riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Advantages & Disadvantages of Diplomat Long Term Insurance
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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.
- 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.
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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
Eligibility
- Non US Residents while visiting the US.
- Individuals travelling outside their home country.
- Minimum purhase is 90 days.
Restrictions
- Diplomat Long Term Insurance is not available for travel to Afghanistan.
Renewability
- The plan is available from 90 days to 364 days and it can be renewable up to 3 years
Coinsurance
- 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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Compare Diplomat Long Term quotes »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.
- full_coverage
Insurance coverage $50,000
- attach_money
Deductible $250 per certificate period
- draft
Medical expenses Claims$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 |
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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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