1. Home
  2. Compare Insurance Plans
  3. Compare Visitors Protect vs Diplomat Long Term

Compare Visitors Protect Insurance vs Diplomat Long Term Insurance

Compare travel insurance benefits offered by Visitors Protect insurance, Diplomat Long Term Insurance plans. These two US visitor insurance Diplomat Long Term vs Visitors Protect are comprehensive benefit visitor insurance plans for international travel which offer coverage for acute onset of pre-existing conditions and Covid19 illness. Compare price and benefits to find the best US travel medical insurance plan for your needs.

How much does visitor health insurance USA cost?

IMG vs Global Underwriters visitor insurance cost comparison

Email results
Age
Spouse
Start Date
End Date
Coverage
Citizenship
GET QUOTE
Compare Travel Plans
     Visitors Protect    
versus
 Diplomat Long Term 
Visitors Protect
Plan Maximum
Deductible
Minimum Enrollment is 90 Days
  Buy Now  
Diplomat Long Term
Plan Maximum
Deductible
Minimum Enrollment is 90 days
  Buy Now
Insurance Providers
Coinsurance In Network: The plan pays 75% of the cost for eligible expenses
Out Network: The plan pays 60% in addition to the deductible.		 The plan pays 80% up to $5K of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit
Length of Coverage 90 days up to 12 months. Minimum of 3 months to 365 days per policy period.
Renewability Yes Up to 3 years
 Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services Covered
Intensive care unit
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
Up to 500K
Hospital indemnity Not Available $100 per day to a maximum of 10 days.
Urgent Care Clinic
In Network: $25 copay, 100% up to Policy Maximum
Out Network: $50 copay, 100% up to Policy Maximum
Covered
 Emergency Services
Emergency local ambulance
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
Covered
Hospital emergency room
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
Covered
 Dental
Emergency dental treatment Up to $300(Unexpected pain or treatment due to an accident)
Accident: Usual & Customary Expense
Palliative: $100
 Acute Onset of Pre-Existing Condition
Pre-Existing Conditions
In Network: Maximum limit through age 69: $25,000
Out Network: Maximum limit ages 70 and older: $20,000
Covers Sudded recurrence of a pre-existing vonditions up to $20,000; ($2,500 for age 65 and older)
 Life
Accidental death & dismemberment $25,000 principal sum, Not subject to deductible $25K with paralysis, coma
Common carrier AD&D Not Available Covered
 Evacuation
Emergency medical evacuation
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
Covered up to $500K
Emergency reunion $100,000 maximum limit. Not subject to deductible Covered up to $50K
Return of mortal remains or cremation/burial $25,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial Covered up to $50K
Local Burial or Cremation Up to $5K lifetime maximum Up to $50K lifetime maximum
Return of minor children $100,000 maximum limit. Not subject to deductible Up to $50K
Natural disaster evacuation Not Available $50,000; ($100,000 if enhanced political and natural disaster evacuation rider is purchased)
Unique Advantages
  • It is a comprehensive benefit insurance plan.
  • The plan is available for individuals traveling outside their country
  • Limited pre-existing condition coverage.
  • It is a comprehensive plan.
  • Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
  • $20,000 coverage for 80+ travelers - best coverage.
 Travel Insurance
Underwriter SiriusPoint Specialty Insurance Corporation C&F Cayman SPC
Rating A- "A" (Excellent)
Brochure and Details
Best ways to travel abroad

Compare Diplomat Long Term vs Visitors Protect Insurance

Visiting USA can be a great experience but an unfortunate event like sudden sickness or accident may arise. The health care cost for tourists to US is exceptionally high and the situation can be traumatic if the visitor doesn’t have US visitor medical insurance.There are many visitors insurance available online and it is a challenge to select the best travel health insurance for USA. Here the visitor can compare US visitor insurance cost of different travel insurance plans, in particular US travel health insurance plans like Visitors Protect insurance and Diplomat Long Term insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sicknes.

These visitors insurance plans are quite popular among international tourists to USA and are from top rated insurance providers. Visitors Protect insurance is administered by International Medical Group (IMG) with AM Best Rating: "A-". It has been offering health insurance products to customers in 130 countries. Diplomat Long Term is offered by Global Underwriters which is designed for anyone travelling outside their home country for a long period of time. It can be bought for a minimum of 3 months and up to 12 months. This plan can be renewed up to a maximum of 36 consecutive months.

Factors for comparing IMG vs Global Underwriters travel insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Visitors Protect vs Diplomat Long Term travel insurance:

Compare medical maximum coverage:

This the maximum coverage expense that the plan would offer for the medical expenses. Visitors Protect insurance offers maximum coverage from $50,000, $100,000, and $250,000. The coverage of $50,000 maximum available for people aged above 80 years. The coverage may vary for older travelers with reduced plan maximum and Diplomat Long Term offers coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum.

Compare deductible options:

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. All of these plans offer a set of deductible options for the travelers to choose from. Visitors Protect insurance has a range of deductible option from $250 to $5K and Diplomat Long Term insurance have a range of deductible option from $0 up to $5K.

Compare provider network:

This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses. 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.

Compare coinsurance options:

Visitors Protect insurance
  • In Network: The plan pays 75% of the cost for eligible expenses
  • Out Network: The plan pays 60% in addition to the deductible.
Diplomat Long Term insurance
  • In PPO network: Plan pays 80% up to $5K of eligible costs.
  • Out PPO network: Then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness.

Contrast the renewability options:

Visitors Protect insurance offers coverage 90 days to 12 months and it can be renewable while Diplomat longterm is available from minimum of 3 months to 365 days per policy period. Diplomat Long Term plan is available from minimum of 3 months to 365 days & can be renewed online up to maximum of 3 years.

Compare eligibility options:

All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period.Visitors Protect is availble for visitors traveling from their home country to the U.S., Canada, and Mexico while Diplomat long term offers coverahe for Non US Residents while visiting the US.Individuals travelling outside their home country.

Pre-existing conditions coverage:

Visitors Protect insurance covers pre existing condition for age 69 and below up to $25,000 and for age s 70 and above it covers up to $20K while Diplomat long term covers sudded recurrence of a pre-existing conditions up to $20,000; ($2,500 for age 65 and older).

  • FEATURES
  • Eligible Plan for USA Coverage
  • Parents Eligible to be insured
  • Pre-existing Cover
  • Renewable and Cancellable
  • Deductible Choice
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • Visitors Protect
  • Yes
  • Yes
  • Yes, covers up to 99 years
  • Yes
  • $250 to $5k
  • A-
  • Yes
  • SiriusPoint Specialty Insurance Corporation.
  • IMG
  • Buy Now
  • Diplomat Long Term
  • Yes
  • Yes
  • Up to $20,000; ($2,500 for age 65 and older)
  • Yes
  • $0 to $5k
  • "A" Excellent
  • Yes
  • C&F Cayman SPC for and on behalf of ITI SP
  • Global Underwriters
  • Buy Now
Need Help
NEED HELP?
Contact our customer service team
We are here to help you!
(877)-340-7910 Send an email 

Visitors Protect vs Diplomat Long Term Insurance - FAQs

  • Visitors Protect Insurance - FAQ's

    How does Visitors Protect insurance work?

    Visitors Protect Insurance is an affordable comprehensive benefit American visitors medical insurance plan provides coverage for international visitors traveling from their home country to the U.S., Canada, and Mexico. This plan covers pre-existing conditions. Purchase must be done before departing the country of residence if your destination is the U.S.

    Is IMG travel insurance legit? Is IMG a real insurance company?

    International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

    How can a visitor use Visitors Protect insurance in case of emergency in USA?

    Travelers can review this article on how to use Visitors Protect insurance in case of emergency in USA.

    Which is the most affordable plan offered by International medical group?

    Visitors Protect is a comprehensive benefit plans and most affordable plan by IMG. This plan has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

    Does Visitors Protect insurance cover Covid ? Does Visitors Protect insurance cover Coronavirus ?

    Visitors Protect offers COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance.

    Does IMG travel insurance cover Covid?

    Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates./p>

    Does IMG sell Cancel for Any Reason Insurance?

    Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

    What does IMG insurance stand for?

    International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

    Is IMG a good travel insurance company?

    International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

  • Diplomat Long Term Insurance - FAQ's

    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.

    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.

    What are the different types of Global Underwriters travel insurance?

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

    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.

    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.

    For which countries can I buy Global Underwriters travel insurance?

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

    What is the eligibilty to buy Global Underwriters insurance?

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

    Is there coverage for Covid-19 illness in Global Underwriters travel insurance?

    GlobalUnderwriters covid insurance covers covid-19 sickness 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.

Compare Travel health insurance USA

Review IMG Visitors Protect Online

Visitors Protect by IMG is a comprehensive visitors insurance plan for international travelers visiting USA which also offers coverage for pre-existing conditions

Click here to read more »

Diplomat Long Term comprehensive travel insurance

Blog about Diplomat Long Term by Global Underwriters is a popular plan among Non US citizens visiting US and for US citizens residing abroad making short visits to the US.

Click here to read more »

IMG Older travelers Insurance Plans

IMG Travel medical insurance coverage for older travelers visiting America, Get free quotes for visitor health insurance designed for Seniors traveling outside the home country

Click here to read more »
usa flag

Compare travel medical insurance

Comparison of Travel Medical insurance and buy the best US travel insurance...

Read more »

Covid19 Travel insurance

International travel insurance resources for outside your home country.

Read more »

Types of the travel insurance

Different US travel insurance options, fixed vs comprehensive coverage..

Read more »

Factors for travel insurance

Important factors to consider while deciding on the best travel insurance.

Read more »

Senior citizens travel insurance

A fall or illness could become the more serious for the older traveler.

Read more »

Compare Visitor health insurance

forum

Travel Insurance USA Forum

Visitor insurance final expense insurance forum...
Read More »

faq

Travel Insurance FAQ

Visitor Health Insurance - Frequently Asked Questions..
Read more »

blog

Travel Insurance Blog

Foreign visitor medical insurance blogs..
Read more »

claims

Travel Insurance Claims

Visitors medical insurance claims information..
Read more »

Review travel medical insurance plans - Blogs and articles

Visitors Protect Insurance

IMG Visitors Protect insurance plan is designed specifically for individuals and families traveling from their home country to the U.S., Canada, and Mexico. This temporary medical insurance includes coverage for pre-existing conditions up to 99 years.

Read more »

Diplomat Long Term

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. Also has adventure sports coverage.

Read more »

Which are the best travel insurance companies in USA?

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

Which are the best visitors insurance companies in USA?


Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!