Global Underwriters Travel Insurance Reviews

Global Underwriters is a reputable travel insurance company with decades of experience in offering reliable and flexible medical coverage for international travelers. whether the individual is visiting the U.S., studying abroad, traveling for business, or planning an extended stay, Global Underwriters provides an insurance product that meets the specific needs of the travel and coverage.

Global Underwriters reviews

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Which is the best travel insurance from Global Underwriters?

Available plans

Diplomat America Insurance

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star Rating: "A" (Excellent) edit_square Underwriter: Underwritten by Crum & Forster, SPC

Diplomat America Insurance is ideal for non-U.S. citizens visiting the United States for tourism, business, family visits, short academic stays, students, or missionary travel.

  • Coinsurance: After deductible, plan pays 80% of eligible costs up to $5,000, then 100% up to the medical maximum.
  • Direct billing: No PPO, visit any doctor or hospital.
  • Urgent care clinic: Covered.
  • Acute on set of pre-existing condition: Up to policy maximum for those up to age 69.
  • Emergency medical evacuation: Up to $250,000.
  • Lost baggage: $50 per article; up to a maximum of $250
  • Interruption of trip: Up to $5,000
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $50,000
  • Optional add-on benefits
  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, $1,000,000

  • Deductible options?
    $0, $50, $100, $250, $500, $1000, $2500, $5000

  • Period of coverage?
    15 days to 364 days

  • Maximum age limit
    Up to 99 years

Diplomat Long Term

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star Rating: "A" (Excellent) edit_square Underwriter: Underwritten by Crum & Forster, SPC

Coverage for non-US residents traveling to the USA, up to 99 years old.

  • Coinsurance: After deductible, plan pays 80% of eligible costs up to $5,000, then 100% up to the medical maximum
  • Direct billing: No PPO, visit any doctor or hospital
  • Sudden Recurrence of a Pre-existing Conditions: Up to $20,000 ($2,500 for 65+)
  • Lost baggage: $50 per article; up to a maximum of $250
  • Interruption of trip: Up to $5,000
  • Emergency medical evacuation: Up to $250,000.
  • Renewable: Can be renewed and extended up to 36 months.
  • Repatriation of Remains: Up to $250,000.
  • Optional add-on benefits
  • Policy maximum?
    $500,000, $1,000,000

  • Deductible options?
    $0, $50, $100, $250, $500, $1000, $2500, $5000

  • Period of coverage?
    90 days to 364 days

Diplomat International

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star Rating: "A" (Excellent) edit_square Underwriter: HDI Global Specialty SE
  • Coinsurance: We will pay 100% of eligible expenses after the deductible up to the overall maximum limit
  • Direct billing: No PPO, visit any doctor or hospital
  • Acute on set of pre-existing condition: Up to $10,000 per trip
  • Trip Interruption: $5,000 per person per trip
  • Emergency medical evacuation: Up to $500,000 per person per trip
  • Search and Rescue: $20,000 per person per trip
  • Baggage delay: $200 per person per trip
  • Renewable: Can be renewed and extended up to 364 days
  • Repatriation of Remains: Up to $50,000 per person per trip
  • Optional add-on benefits
  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000

  • Deductible options?
    $0, $50, $100, $250, $500, $1000, $2500

  • Period of coverage?
    5 days to 180 days

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Who can buy Global Underwriters insurance plans?

Global Underwriters travel insurance plans are available to a wide variety of international travelers. While eligibility may vary slightly by plan, in general:

  • Non-U.S. residents visiting the U.S. (i.e., tourists, business travelers, family visitors) may purchase coverage under plans like Diplomat America.
  • U.S. citizens traveling internationally can purchase plans like Diplomat International or Diplomat Long Term.
  • Foreign nationals traveling outside their home country (not including the United States in some cases), may also be able to qualify for some plans.
  • Students, exchange visitors and travelers on long trips, may also be eligible depending on where they are traveling to and for how long they will be traveling.

All travelers must be traveling outside their home country for coverage to be activated, and there may be certain plans that have minimum or maximum age limits or minimum or maximum durations.

Why choose Global Underwriters visitor insurance?

  • Over 50 years of experience in international insurance : Global Underwriters has a long-standing reputation in the travel insurance industry. They understand the needs specific to international travelers as they have been involved in international health for over 50 years.
  • Plans designed for tourists, students, business travelers & expatriates: Global Underwriters offers a wide range of travel insurance plans that cater to various traveler profiles, including short-term visitors, international students, business professionals, and expatriates on extended stays. Each plan is specifically designed to meet the unique coverage needs based on the traveler's purpose of travel and destination.
  • Comprehensive medical benefits, including emergency services: Global Underwriters plans provide comprehensive medical protection, which includes coverage for doctor consultations, hospital stays, prescription medications, emergency medical evacuation, and repatriation of remains. These benefits help ensure travelers are supported during unexpected health emergencies while abroad.
  • Multiple deductible and policy maximum options : Travelers have the flexibility to choose from a range of deductible amounts and policy maximums. This allows them to customize the plan according to their budget preferences and comfort with health risk coverage levels.
  • COVID-19 coverage included in many plans : Many of their plans include coverage for COVID-19-related medical expenses, which is essential for international travel in today’s environment. This ensures travelers are protected against pandemic-related medical emergencies.
  • 24/7 multilingual emergency assistance: Global Underwriters provides 24/7 emergency assistance services in multiple languages. Support is available for medical issues, hospital coordination, and other travel-related emergencies, ensuring help is accessible anytime and anywhere during the trip.

How to choose the best Global Underwriters travel insurance plan for your trip?

Selecting the best Global Underwriters travel insurance plan depends on several factors, including the traveler’s purpose of visit, destination, trip duration, age, and health coverage needs. American Visitor Insurance provides a trusted platform to compare and purchase these plans efficiently.

  • Travel purpose:
    • Travelers visiting the United States can consider the Diplomat America plan.
    • For long-term travelers or expatriates staying abroad for extended periods, the Diplomat Long Term plan is suitable.
    • U.S. citizens traveling internationally or foreign nationals visiting countries other than the U.S. can opt for Diplomat International.
  • Coverage Requirements:
    • Determine the need for benefits such as high medical limits, emergency evacuation, AD&D, and COVID-19 coverage.
    • Optional riders for hazardous activities and travel assistance services may be available.
  • Eligibility Criteria:
    • Confirm age limits, residency requirements, and travel destination restrictions applicable to each plan.
  • Comparison via American Visitor Insurance:
    • Use American Visitor Insurance to compare Global Underwriters plans side by side.
    • The platform provides brochures, pricing, benefit summaries, and direct purchase options.
    • Helps users evaluate deductibles, policy maximums, and cost based on individual budget and risk comfort.
  • Additional Features:
    • Many plans offer 24/7 multilingual emergency assistance, prescription coverage, and options for policy extension or renewal.

How much does Global Underwriters insurance cost?

Global Underwriters travel insurance cost is ranges between $2.00 to $33.00 per day, depending on factors like age, trip duration, plan type, and coverage limits. They offer several plans Diplomat America, Diplomat International, and Diplomat Long Term each designed for different travel needs such as visiting the U.S., long-term international stays, or travel outside your home country.

Plan name Eligibility Coverage Limit Deductible Options Estimated Cost/Day Minimum Purchase
Diplomat America Non-U.S. residents visiting the U.S. $50,000 – $1,000,000 $0 – $5,000 $2.30 – $13.30 15 days
Diplomat International US residents traveling inside or outside the USA $50,000 – $500,000 $0 – $5,000 $2.00 – $6.00 5 days
Diplomat Long Term Long-term international travelers (3 –36 months) $500,000 – $1,000,000 $250 – $2,500 $2.75 – $33.00 90 days
Source: American Visitor Insurance®

Does Global Underwriters provide travel insurance for U.S. citizens traveling abroad?

Yes, Global Underwriters offers travel insurance coverage for U.S. citizens traveling outside the United States through the Diplomat International plan. This plan is specifically designed for American travelers who are leaving the U.S. for leisure, business, academic programs, mission trips, or other international travel purposes.

Diplomat International provides comprehensive medical benefits, including coverage for new illnesses and injuries, hospitalization, outpatient services, prescription medication, and emergency medical evacuation. The plan also includes benefits such as repatriation of remains and 24/7 emergency travel assistance. It is ideal for short-term or long-term international trips and can be purchased for individuals or families.

Diplomat International is a strong choice for U.S. travelers seeking reliable protection during their international journeys, providing peace of mind and financial security in the event of unexpected medical situations abroad.

How do I file a claim with Global Underwriters insurance?

To file a claim with Global underwriters Insurance, follow these steps:

  • Download the Claims Form: Access the Global underwriters insurance claims form online.
  • Contact Customer Support: Call the toll-free number 800-605-2282 for guidance or assistance.
  • Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents and submit a Claimant's Statement and Authorization form along with supporting documents for every incident.
  • Mailing Address: 3195 Linwood Avenue, Suite 201 Cincinnati, OH 45208 United States
  • Email Assistance: For additional help or inquiries, email service@diplomatamerica.com.

Know more about Global Underwriters claims

How can I find a doctor or medical provider with Global Underwriters insurance?

Global Underwriters allows you to visit any licensed doctor, clinic, or hospital—no provider network required. In the U.S., present your ID card at the time of treatment; providers may bill Global Claims Administration directly. Outside the U.S., you may need to pay upfront and submit a completed claim form with itemized receipts for reimbursement. For assistance, contact Global Underwriters at 1 800 423 8496 (U.S.) or +1 513 533 1500 (international).

Summary :

Global Underwriters offers flexible travel medical insurance plans for tourists, students, business travelers, and expatriates. Key plans include Diplomat America (for visitors to the U.S. with COVID-19 coverage), Diplomat International (for U.S. citizens and others traveling outside the U.S.), and Diplomat Long Term (for extended international stays).

They also offer a Global Accident Protection Plan focused on AD&D and emergency evacuation. Plans come with customizable limits, optional add-ons, and 24/7 global support. While some exclusions apply, customer reviews praise the provider for dependable coverage and responsive claims service.

Through American Visitor Insurance, you can easily compare Global Underwriters plans, filter options by benefit, get instant quotes, and purchase your coverage online all in one convenient platform designed to help international travelers make informed decisions.