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Diplomat America Insurance

Quotes for Diplomat America insurance cost

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Patriot America Lite Insurance

Diplomat America

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 insurance review, Diplomat America medical insurance

Global Underwriters
Diplomat America insurance plan life
5 days to 365 days
Policy maximum

$50,000, $100,000, $250,000, $500,000, $1,000,000
Age - 80+: 20,000

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 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.
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 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 Renewability

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

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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.

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.

Plan benefits of Diplomat America Insurance

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
Emergency dental treatment(acute onset of pain up to 72 hours) Up to $300 (not subject to deductible or coinsurance).
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.

Diplomat America Insurance cost for seniors per month in USA

The cost of Diplomat America insurance for seniors is dependent on the following factors - The age of the traveler, the plan medical maximum coverage, the co-insurance and the deductible.

The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50k, $100k,$250K, $500k, $1M depending on the age of traveller up to age of 64. . $50k ,$100k and $250K is available for people age 65 to 69 years, $50k and $100k coverage is available for people age 70 to 79 years. For above 80 years $20,000 is available.

Travelers age $20K $50K $100K $250K
65 - 69 years Not Available $265 $341 $352
70 - 79 years Not Available $358 $756 Not Available
80 - 99 years $484 Not Available Not Available Not Available

Diplomat America Insurance - FAQ

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.

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