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Diplomat America

Comprehensive Coverage, A.M. Best Rating: A
C&F Cayman SPC for and on behalf of ITI SP

Diplomat America is an A rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country. The coverage duration is available from 15 days to 365 days. While in the U.S, after the deductible is satisfied, the plan will pay 80% of the first $5,000 of eligible medical expenses then 100% thereafter. Learn more about how Diplomat America works.

Diplomat America can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.

Diplomat America does not cover Pre-Existing medical conditions. Please review Diplomat America policy documents for complete coverage and exclusions.

How It Works

80%

Out of Network

80% of first $5000, 100% thereafter See How Diplomat America Works.

Key Benefits

COVID-19 Included
COVID-19 Included
Acute onset of Pre-Existing Conditions
Acute onset of Pre-Existing Conditions
Cancelable
Cancelable
No PPO
No PPO
Medical Evacuation
Medical Evacuation
Urgent Care
Urgent Care
Medical Coverage During Travel
Medical Coverage During Travel
Comprehensive Coverage Plan
Comprehensive Coverage Plan
Coverage from 15 days to 365 days
Coverage from 15 days to 365 days

How COVID-19 is Covered Under Diplomat America

COVID-19 Medical Expenses
COVID-19 Medical Expenses

Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.

COVID-19 Testing
COVID-19 Testing

Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.

COVID-19 Vaccination/Booster
COVID-19 Vaccination/Booster

COVID-19 vaccination/booster is not covered under the policy.

Quarantine Benefit
Quarantine Benefit

No Coverage

Emergency Medical Evacuation
Emergency Medical Evacuation

Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.

Eligibility

  • For non U.S residents traveling to the USA
  • For Ages 14 days to 99 years
  • Coverage for minimum 15 days to maximum up to 365 days
  • Not Extendable
  • Temporary coverage for green card holders visiting the USA for a short trip
  • For U.S citizens living abroad and visiting the USA for a short trip

Similar Plans

Atlas America

Comprehensive Coverage, A.M. Best Rating: A
Underwriter: Lloyd's of London

Benefits
  • COVID-19 Coverage: Included
  • After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 100% of eligible medical expenses up to the policy maximum
  • Acute Onset of Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • Urgent Care Visits
  • Emergency Room Services
  • Emergency Dental Coverage
  • Emergency Eye Exam Coverage
  • Prescriptions/Medication
  • Pre-Existing Conditions: No Coverage
Eligibility
  • For non U.S residents and non U.S citizens traveling to the U.S
  • For ages 14 days to 99 years
  • Coverage for minimum 5 days to maximum up to 364 days in a policy period
  • Extendable for up to 364 days
Purchase Restrictions
  • Not Available for the following Destination Countries: Belarus (BLR), Cuba (CUB), Iran (IRN), North Korea (PRK), Russia (RUS), Syria (SYR) & Ukraine (UKR)
  • Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), Myanmar (MMR), North Korea (PRK), Puerto Rico (PRI), Syria (SYR), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR)
  • Not available for Citizens of: Cuba (CUB), Iran (IRN), Myanmar (MMR), North Korea (PRK), Puerto Rico (PRI), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR)
  • Not available to individuals who are physically located in the states of: Maryland (MD), New York (NY) & Washington (WA)
    Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
  • Not available to individuals who are physically located in the country of Australia (AUS) & Canada (CAN)
Plan FAQs
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CoverAmerica - Gold®

Comprehensive Coverage, A.M. Best Rating: A
Underwriter: Sirius Specialty Insurance Corporation

Best for:
COVID-19 CoverageVisitors to the USA
Benefits
  • COVID-19 Coverage: Included
  • After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to $5,000, then 100% thereafter.
  • Acute Onset of Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • Urgent Care Visits
  • Emergency Room Services
  • Emergency Eye Exam Coverage
  • Emergency Dental Coverage
  • Prescriptions/Medication
  • COVID-19 Test Benefit: At least 30 days of coverage must be purchased prior to departing the home country
  • Quarantine Indemnity
  • Influenza (flu) shot
  • No Cancellation Fee
  • No Extension Fee
  • Pre-Existing Conditions: No Coverage
Eligibility
  • For non U.S. residents and non U.S. citizens, while traveling to the United States and for incidental trips to Canada, Mexico, Latin America, Bahamas and South America
  • For Ages 14 days to 79 years
  • Coverage for minimum of 5 days up to 365 days
  • Extendable for up to 365 days
  • Must purchase a minimum of 30 days of coverage prior to leaving the country of residence to be eligible for the Public Health Emergency Screening (COVID-19 Test) benefit.
Purchase Restrictions
  • Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
  • Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA), Puerto Rico (PRI), Sierra Leone (SLE), United States (USA) & Virgin Islands (USA) (VIR)
  • Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
    Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Plan FAQs
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Preferred rate available.Learn moreWhy CoverAmerica-Gold?Learn more
Patriot America Plus

Comprehensive Coverage, A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation

Best for:
U.S citizens visiting the USAGreencard holders visiting the USA
Benefits
  • COVID-19 Coverage: Included
  • After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to $5,000, then 100% thereafter
  • Acute Onset of Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • Urgent Care Visits
  • Emergency Room Services
  • Emergency Eye Exam Coverage
  • Emergency Dental Coverage
  • Prescriptions/Medication
  • Pre-Existing Conditions: No Coverage
Eligibility
  • For non U.S residents traveling to the USA and internationally and for U.S citizens living abroad visiting for a short period
  • For ages 14 days to 99 years
  • Coverage for minimum 5 days to maximum up to 365 days
  • Extendable for up to 365 days
  • Temporary coverage for green card holders visiting the USA for a short trip
Purchase Restrictions
  • Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
  • Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
  • Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
    Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Plan FAQs

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Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.