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International Medical Group

Diplomat America Travel Insurance

Quotes for Diplomat America insurance

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Travel health insurance for US citizens

International travel requires proper medical insurance coverage for travelers when they are outside their home country. It is an ideal insurance while traveling abroad, particularly for the US citizens. It is administered by Global Underwriters Insurance

Diplomat America travel insurance for USA - 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.

Plan highlights of Global Underwriters Diplomat America Insurance

Diplomat America Insurance
Global Underwriters
Deductible Options
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000 per person/plan period
Diplomat America Insurance Rating
AM Best Rating: "A" (Excellent)
Diplomat America insurance plan life
5 days to 364 days
Policy Maximum
$50,000, $100,000, $250,000, $500,000, $1,000,000
Age - 80+: 20,000

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Global Underwriters Diplomat America reviews

Diplomat America Underwriter
Diplomat America Insurance Underwriter

Underwritten by C&F Cayman SPC for and on behalf of ITI SP.

Diplomat America Insurance Renewability
Diplomat America Insurance Renewability

The plan is not renewable”, if additional coverage time is needed, a new application must be completed.

Diplomat America Insurance Refund
Diplomat America Insurance Refund

Global Underwriters will provide a refund of your plan cost, less a $25 processing fee, will be considered only if written request is received by Global Underwriters prior to the effective date of coverage. After that date, the premium is considered fully earned and non-refundable. Partial refunds are not available.

Diplomat America insurance eligibility
International Insurance Restrictions
  • Non US citizens and Non-US residents while visiting the United States
  • Coverage is NOT available for Australian Citizens.
  • This plan does not offer coverage for any travel outside the United States.
Note: This plan is also available to US citizens returning to the US for vacation or business trips while living abroad. A valid international address is required in order to apply.
Diplomat America insurance eligibility
Diplomat America Insurance Coinsurance
  • 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.

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Optional Riders

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

  • Enhanced Political and Natural Disaster Evacuation Rider
  • Athletic and Hazardous Activity Rider

Expand your coverage, Select your coverage options with add on benefits

Enhanced Political and Natural Disaster Evacuation Rider
  • Coverage provided by this rider is up to $50,000
  • The medical maximum provided is reduced to $20,000 for any illness or injury incurred from any athletic sport & hazardous activity not expressly covered here under is excluded from this policy unless the activity is non-contact and engaged in by you solely for leisure, recreation, entertainment, or fitness purposes only.
  • For the below listed activities apply the 1.25 factor to the base premium: Bobsledding; Bungee Jumping; Canopying; Hang Gliding; HeliJskiing; Horseback Riding; Jet, Snow, and Water Skiing; Kayaking; Martial Arts; Motorcycling & Motor Scooter; Mountain Biking; Mountain Climbing (under 14,000 feet); Paragliding; Parasailing; Piloting any NonJcommercial Aircraft; Safari; Scuba Diving, Skydiving; Snowboarding; Snowmobiling; Spelunking; Surfing; Trekking; Whitewater Rafting (up to and including Class V Rapid only); Wind Surfing; Zip Lining.
  • For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:
    • Low-Option additional $25.00 flat monthly rate: Arial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any Chartered or Leased Aircraft or Helicopter.
    • High-Option additional $50.00 flat monthly rate: Diving with Sharks; Mountain Climbing (if over 14 thousand feet, guide required); Running with Bulls; Safari & Big Game Hunting (use of firearms); Security Detail (use of firearms).
  • For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:
    • Low-Option additional $12.00 flat monthly rate: Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo Horse; Polo Water; Softball; Swimming; Tennis; Track and Field; Volleyball.
    • Middle-Option additional $26.00 flat monthly rate: Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Lacrosse; Martial Arts; Skiing (Slalom, Giant Slalom, Downhill); Wrestling.
    • High-Option additional $80.00 flat monthly rate: Football (no Division One); Gymnastics; Rugby; Soccer.
Travel insurance for Coronavirus Covid

Covid19 International Travel insurance for Coronavirus

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Diplomat America insurance covid - Covid19 Global Underwriters travel insurance coverage for Coronavirus

Diplomat America Insurance by Global Underwriters offers coverage for covid-19 as a new sickness. It is available for Non-US citizens or residents travelling to the US. Pre-existing ailments are however excluded, which means that travelers infected before the plan effective date, will be considered as an pre-existing medica condition and will not provide coverage for that ailment.

Global Underwriters travel insurance offers coverage for coronavirus as any new sickness. If it is pre-existing, then it's excluded. That is of the travelers is infected before the plan effective date, the travel insurance will treat it as pre-existing and will not offer coverage for it.

The coronavirus testing would be covered if a medical physician deems it necessary that the insured fits the criteria for the test and the insured is effective on the policy during the time of the testing. The medical expenses would be covered as well during the time of the policy and if the signs and symptoms started during the effective date of the policy and will be paid per the parameters of the policy.

Diplomat America Insurance - FAQ

Does Diplomat America Insurance cover covid illness?

Global Underwriters Covid19 travel insurance by Diplomat America Insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

Diplomat America Insurance Plan Benefits

Emergency Medical Evacuation & Repatriation $500,000
Return of Mortal Remains $500,000
Return of Minor Child $50,000
Emergency Medical Reunion $50,000
Interruption of Trip $5,000
Loss of Baggage $50 per article; up to a maximum of $250
Incidental Trips Up to a maximum of 15 days for Incidental Trips to Canada, Mexico, and the Caribbean Islands only.
Seat Belt and Airbag Benefit Up to $25,000.
Felonious Assault Benefit Covered
Home Alteration and Vehicle Modification Up to a maximum of $2,500 (within one year after the date of the accident)
Political & Natural Disaster Evacuation $50,000
Coma Benefit Coma Benefit
Additional Accidental Death & Dismemberment Purchase up to $1,000,000 of 24 hour AD&D coverage. Benefits and exclusions are same base plan.
Physical Therapy Up to the maximum limit (Medical order or treatment plan required)
Urgent Care Clinic $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Radiology / X-ray Up to the maximum limit
Laboratory Up to the maximum limit
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
Emergency dental treatment? Accident: Usual & Customary Expense; Palliative: $100
Acute onset of pre-existing condition? 24 months waiting period.
Accidental death & dismemberment? $25,000 (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits
Excess Benefits? All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance.
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