Diplomat Long Term Medical Insurance Reviews, Review of the Unique Benefits of Diplomat Long Term Insurance plan

Diplomat Long Term Visitor insurance reviews

Insurance provider
Global Underwriters

Deductible options
$0 $50 $100 $250 $500 $1k $2,500 $5k

Diplomat Long Term Insurance Rating
AM Best Rating: "A" (Excellent)

Diplomat Long Term Underwriter
Underwritten by C&F Cayman SPC for and on behalf of ITI SP.

Coinsurance of Diplomat Long Term

Diplomat Long Term insurance - In Network - After you pay the selected deductible, the plan pays 80% up to $5k of eligible costs, then 100% to the medical maximum.

100%

Diplomat Long Term insurance - Out of Network

80%

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

Plan life
Minimum of 3 months to 365 days per policy period. Diplomat LongTerm insurance can be renewed online up to maximum up to 3 years.

Diplomat Long Term travel insurance, Global Underwriters insurance review

This plan can be purchased for a minimum of 3 months to maximum 12 months. Additional coverage may be available for up to 12 months at a time, to a maximum of 36 consecutive months.
This plan do not involve PPO network and you are free to visit any Doctor or Hospital and benefit level will be the same.
Ideal for Non US Residents while visiting the US. Individuals travelling outside their home country.
This plan is not available for travel to Afghanistan.

Diplomat Long Term travel insurance Links

Brochure
Benefits
Advantages
Disadvantages
Reviews
Claims
Provider network
Comprehensive
COMPREHENSIVE PLANS
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

Why American visitor insurance?

Wide range of short term US travel insurance options
Travel insurance with Covid19 and quarantine coverage
Several new US immigrant insurance plans available
Popular Schengen visa insurance with required visa letter
Travel health insurance and trip cancellation insurance options
Affordable international student health insurance plans
Resourceful user friendly compare travel insurance tool

Customer support with support for claims settled in the USA
Fixed benefit and comprehensive international travel insurance plans
24/7 licensed US travel insurance agent support
Guaranteed cheapest travel medical insurance price
Travel health insurance customer support during crisis
Relevant US travel insurance blogs, articles and FAQ's
Travel insurance reviews to help decide on plans
Received some of the best American Visitor Insurance customer reviews

Quotes for Diplomat Long Term Insurance for travelers

Review and compare the best Global Underwriters Diplomat LT insurance quotes.

Buy Diplomat Long Term Travel Insurance quotes »

Steps to buy

US travel insurance online with Diplomat benefits

Complete the travel insurance quote request form by providing details of the traveler and insurance requirements

Compare prices and benefits of the different travel insurance for visitors in us to find what fits your needs best.

Buy the insurance for travelers to usa that fits your needs and budget best by completing the online application.

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Diplomat America Insurance - 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.

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

NEED HELP?

Contact our customer service team, we are here to help you!

(877)-340-7910 Click to send an email

Advantages and Disadvantages of Diplomat America insurance

Diplomat Long Term Insurance Advantages
- Diplomat Long term Insurance Covid19 travel insurance by Global Underwriters for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
- Comprehensive coverage plan.
- $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.
- Deductible per policy period.
- 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.
- Co-insurance: Plan pays 100% of Covered Expenses outside the USA and Canada. Expenses incurred in the USA and Canada is paid at 80% of the first $5000 then 100% to the policy maximum.
Diplomat Long Term Insurance Disadvantages
- 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.
- Does not cover pre-existing conditions for non-US citizens.

Plan details of Diplomat Long Term Travel insurance

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Key benefits of Diplomat Long Term Insurance

Pre-existing condition

Comprehensive plan

Emergency Medical Evacuation

Hospital Indemnity

Renewability

Sports coverage

What are some insurance terms important in Diplomat Long Term Insurance reviews?

Plan Maximum coverage of diplomat Long Term insurance reviews:

This the maximum coverage that the plan would offer for the medical expenses. Diplomat Long Term insurance offers plan maximum options of $500,000, $1,000,000 for below 69 years,$100,000 for ages 70 years through 79 years and $20,000 for age 80 years and over are available.

What is a deductible in Diplomat Long Term 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 Long Term insurance has deductible options from $0 to $5000.

What is a provider network of Diplomat Long Term 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 Long Term visitor insurance?

This is a percentage of the bill that the travel has to pay. The plan pays 100% to the medical maximum outside USA and Canada. For coverage inside USA: The 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 Long Term Travel health insurance

Diplomat Long Term Insurance can be renewed from 15 days to 12 months. Additional coverage is available for up to 12 months at a time up to 36 consecutive months.

Eligibility to buy Diplomat Long Term Insurance Online

It is ideal for individuals travelling outside their home country and non US Residents while visiting the US.

Diplomat Long Term Insurance underwritten by C&F Cayman SPC for and on behalf of ITI SP. and rating "A (Excellent)" by AM Best Rating.

A working example of using Diplomat Longterm 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.

Plan details of Diplomat America Travel insurance

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Global Underwriters Travel insurance - FAQ's

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.

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.

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

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.

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.

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.

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

To be eligible for Global Underwriters insurance coverage, you must not be a citizen of the host country you are traveling to.

GlobalUnderwriters insurance covers covid 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.

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.

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.

Diplomat travel insurance will cover eligible medical expenses resulting from COVID. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

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.

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.

A visitors health insurance plan covers:

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

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

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.

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.

For Diplomat International plan: Covid is excluded on the Diplomat International plan. This plan does not cover any claim in any way caused by or resulting from:

Severe acute respiratory syndrome covid (SARS-CoV-2).
any mutation or variation of SARS-CoV-2.
any fear or threat of a), b) or c) above.
For travel insurance, please buy Diplomat longterm insurance with Global Underwriters travel medical coverage.