It is a comprehensive Coverage plan.Unlike schedule plan, this covers expenses at the limit of maximum coverage, with applicable co-insurance and deductible.
Please review Diplomat Long Term International Plan Brochure or policy document for complete and accurate coverage information.
Here is a complete list of benefits of Diplomat Long Term International
- US States Restrictions No Restriction
- Country Restrictions No Restriction
- The country where the covered person has his/her true, fixed, permanent home and principal establishment.
- Coverage in U.S.A. Not Covered
- Coverage outside U.S.A. Covered
Minimum 3 Months to 1 Year.
Extendable for total of 3 years
|Plan Administrator Company||Global Underwriters|
|Carrier / Underwriter||United States Fire Insurance Company|
|Eligibility||Can be purchased by Non-United States citizens or any visa holders (e.g. L/H/B1,B2)while travelling outside the home country to the United States. A person on Green Card can also purchase the plan. Must purchase it for a minimum of 3 months.|
|Plan Type|| Comprehensive Coverage Plan
Percentage based coverage.
|AM Best Rating||A (Excellent)|
|Coverage in U.S.A.||Not Covered|
|Coverage outside U.S.A.||Covered|
|Co-Insurance||Outside USA and Canada: 0% Co-Insurance (100% Covered)|
|How the Benefits are Paid||100% to selected policy maximum.|
|Plan Effective Date|| Coverage can begin as the following:
1. The depature date of your home country or after.
2. The day you request on the application.
|Plan End Date|| Coverage can terminate as the following:
1. The date of your permanent return to your Home Country
2. The termination date shown on the enrollment form, for which premium has been paid
3. 36 months after your coverage effective date.
|Coverage Type||Lifetime of the policy|
|Deductible Type||Annual deductible, Only once per year|
|Renewability|| Renewable with a $10 fee.
For age 0-69: Up to 3 years.
For age 70-79: Up to 24 months
For age 80+: Up to 12 months
|Cancellation||Full refund available if cancelled before start date. $25 cancellation fee applies. After effective date NO REFUND|
|PPO Network||No PPO Network|
|Coverage Length|| Minimum 3 Months to 1 Year.
Extendable for total of 3 years
|Available Deductibles||Choose From: $0, $50, $100, $250, $500, $1,000, $2,500 per policy period|
|Available Coverage|| Choose From: Plan A - $500,000
Plan B - $1,000,000
"Persons age 70-79 coverage is limited to $100,000.
Persons age 80+ coverage is limited to $20,000.
|Plan Brochure||Diplomat America International Insurance Brochure|
|Home Country Definition||The country where the covered person has his/her true, fixed, permanent home and principal establishment.|
|US States Restrictions||No Restriction|
|Country Restrictions||No Restriction|
Diplomat Long Term International Plan FAQs
Q1: Which doctor or hospital can I go to?
Diplomat Long Term International Insurance plan does not participate in any PPO network. You can visit any doctor or hospital.
Q2: Does the plan offer any optional Rider?
Yes, this plan offers the following Riders:
Q3: Does this plan cover any pre-existing conditions?
If you are a US citizen, the US is Your Home Country, and you are traveling outside of the US, limited coverage under your medical expense benefit is provided for medical expenses that result from a sudden and unforeseen recurrence of a Pre-existing Condition, as defined hereunder. The plan shall pay up to a maximum of $20,000 ($2,500 for age 65 and older) of covered expenses incurred from a sudden and unforeseen recurrence of a Pre-existing Condition.
Q4: When will I receive my ID card?
The print out of the on-line buying receipt/virtual ID card is the proof of insurance and can be used as an ID card. Depending on the policy length you may also receive an ID card to your mailing address within 5-10 business days
Q5: How do I use this insurance?
Please refer to the following article about the policy usage: How to use Visitor Insurance?
Q6: How do I file a claim?
Please refer to the following article concerning the claim process:
Q7: What information do I need to purchase this insurance?
Name(s), date of birth, and passport number of the visitor(s).
Q8: When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis?
Based on the desired coverage length you have selected, you have to make the full payment at once.
Q9: Where can I find answers to other questions I have?
Please refer to Visitors Insurance FAQs section.
If you still have questions, please call our support line toll free: 1.866.384.9104