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Diplomat International Travel Insurance

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Patriot America Lite Insurance

Diplomat International

Diplomat International Insurance offers medical insurance coverage to travelers of any age travelling outside their home country. The coverage includes accident & sickness medical benefits, travel assistance, AD&D benefits and optional coverage for adventure sports. Travelers aged 80 years and above are covered up to $20,000.
It is administered by Global Underwriters Insurance

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Diplomat International insurance review

Administrator
Global Underwriters
Diplomat International 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

Deductible options

$0, $50, $100, $250, $500, $1,000, $2,500, $5,000 per person/plan period

Diplomat International Insurance plans
Diplomat International Insurance Rating

AM Best Rating: "A" (Excellent)

Diplomat International Insurance Coinsurance

After you pay your selected deductible this plan will pay 100% of Covered Expenses outside the USA and Canada up to the selected policy maximum.

Diplomat International Insurance Restrictions

Diplomat International Insurance is not available for travel to Afghanistan.

Eligibility to buy Diplomat International Insurance
  • This plan is available for people traveling outside their home Country excluding USA.
  • Coverage is available for the person, a second adult, unmarried dependent Children, or Children traveling alone.
  • Travel assistance services are also available.
  • Note: Coverage is NOT available for travel in Iran.
    Coverage is NOT available for citizens of Australia or Iran or residents of New York, Maryland and South Dakota.
Diplomat International Insurance Underwriter

Underwritten by HDI Global Specialty SE

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Plan benefits of Diplomat International Insurance

  Travel
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 International Insurance Optional Riders

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

  • Home Country Coverage Rider
  • Enhanced Political and Natural Disaster Evacuation Rider
  • What is Enhanced AD & D Rider offered by Patriot International travel health insurance?

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

Home Country Coverage Rider
  • Offers limited coverage while in the home country.The plans pays 80% up to $50,000 of the covered expenses, then 100% to a maximum of $50,000 for incidental trips to home country or $10,000 for extension of benefits.
  • This rider increase the coverage from $50,000 to $100,000 ($30 per person per month)
  • 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.

Diplomat International Insurance - FAQ

What is travel health insurance plan?

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.

Global Underwriters travel insurance resources