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Diplomat Long term Travel Insurance

Quotes for Diplomat Long Term insurance

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Diplomat Long term insurance

Diplomat Long Term Insurance offers long term medical insurance coverage to travelers of any age travelling outside or inside the US. The plan is renewable up to 3 years. Senior Travelers 80 years and over are covered up to $20,000. Offers optional coverage for treatment of injuries resulting from adventure sports.Ideal for US citizens visiting USA

Plan highlights of Global Underwriters Diplomat Long term Insurance

Diplomat Long term Insurance
Global Underwriters
Diplomat Long term Insurance Rating
AM Best Rating: "A" (Excellent)
Deductible Options
$0; $50; $100; $250; $500; $1,000; $2,500; $5,000
Diplomat Long term Insurance is not available for travel to Afghanistan.
Diplomat Long term insurance plan life
Minimum of 3 months to 365 days per policy period.
Diplomat LongTerm insurance can be renewed online up to maximum up to 3 years.

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Plan highlights of Diplomat Long term Insurance

Diplomat Long term Eligibility
Eligibility to buy Diplomat Long term Insurance
  • Non US Residents while visiting the US.
  • Individuals travelling outside their home country.
Diplomat Long term Coinsurance
Diplomat Long term Insurance Coinsurance
  • For treatment received outside the U.S : No coinsurance.
  • For treatment received within the U.S
    • Inside of the United States: 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.
    • Outside of the United States: The plan pays 100% to the medical maximum outside USA and Canada.
Diplomat Long term Insurance Renewability
Diplomat Long term Insurance Renewability

Diplomat LT must be purchased for a minimum of 3 months, the maximum is 365 days. Renewal coverage may be purchased for up to 365 days at a time, to a maximum of 3 years.

Diplomat Long term Insurance Refund
Diplomat Long term 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 Long term Underwriter
Diplomat Long term Insurance Underwriter

Underwritten by HDI Global Specialty SE

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Diplomat Long term 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
  • Athletic and Hazardous Activity Rider

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.

Plan benefits of Diplomat Long Term insurance

Emergency Medical Evacuation & Repatriation $500,000
Trip Delay $2,000
Return of Mortal Remains $50,000
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
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; ($100,000 if enhanced political and natural disaster evacuation rider is purchased)
In Hospital Indemnity (for US citizens only) $100 per day to a maximum of 10 days
Coma Benefit Covered ($250 per month).
Emergency dental treatment $100 for relief of pain to natural teeth.
Emergency Dental Treatment (Accident) Usual and Customary Expense for emergency Dental Treatment to natural teeth
Sudded Recurrence of a Pre-existing Conditions Up to $20,000; ($2,500 for age 65 years and older) with waiting period of 18 months(for US citizens only)
Accidental Death and Dismemberment $25,000 with paralysis, coma
Excess Benefits All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance.
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Diplomat Long term Insurance - FAQ

Does Diplomat Long term Insurance cover covid illness?

Global Underwriters Covid19 travel insurance by Diplomat Long term 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.

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