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Diplomat Long term Insurance

Quotes for Diplomat Long Term insurance

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Including USA

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Patriot America Lite Insurance

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

Diplomat Long term insurance review

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Global Underwriters
Diplomat Long term Insurance Rating
AM Best Rating: "A" (Excellent)
Restrictions

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.

Deductible options

$0; $50; $100; $250; $500; $1,000; $2,500; $5,000

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.
Diplomat Long term Insurance Renewability
AM Best Rating: "A" (Excellent)
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

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.

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Plan benefits of Diplomat Long term 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 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.

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