Diplomat America
Comprehensive Coverage- AM Best Rating
- A+ (Excellent)
- Administrator/Underwriter
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Global Underwriters
United States Fire Insurance Company
In Network
After deductible, the plan pays 80% up to the policy maximum.
Out of Network
Plan pays 100% of the first $5,000, and 100% up to the policy max
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 15 days to 12 days
PPO
No PPO Network
Urgent Care
Diplomat America Insurance offers medical coverage and emergency services to individuals and families traveling to United States.
Please review Diplomat America Insurance Brochure 
or Description of Coverage (policy document) for complete and accurate coverage and exclusions.
Out-Patient
Dr. / Physician Visit
After deductible, plan pays 80% for the first $5,000, then 100% up to policy max
Surgical Treatment
After deductible, plan pays 80% for the first $5,000, then 100% up to policy max
Prescription Drugs / Medicines
After deductible, plan pays 80% for the first $5,000, then 100% up to policy max
Lab & X-rays
After deductible, plan pays 80% for the first $5,000, then 100% up to policy max
In-Patient
Hospital Room
After deductible, plan pays 80% for the first $5,000, then 100% up to policy max
Surgical Treatment
After deductible, plan pays 80% for the first $5,000, then 100% up to policy max
Hospital Intensive Care Unit
After deductible, plan pays 80% for the first $5,000, then 100% up to policy max
Drug/Alcohol Abuse
Not covered
Emergency Services
Ambulance Expenses
After deductible, plan pays 80% for the first $5,000, then 100% up to policy max
Emergency Room(ER)
After deductible, plan pays 80% for the first $5,000, then 100% up to policy max. Extra $250 deductible applies for every ER visit for sickness, that does not lead to hospitalization within 12 hours
Dental
Acute, spontaneous and unexpected pain
Up to $100
Accidental emergency
After deductible, plan pays 80% for the first $5,000, then 100% up to policy max
Travel
Emergency Medical Evacuation / Repatriation
Up to $500,000
Return of Remains
Up to $50,000
Emergency Reunion
Up to $50,000
Return of minor Child(ren)
Up to $50,000
Trip Interruption
Up to $5,000
Loss of checked Baggage
$50 per item, up to $250
Life
AD&D
$250,000 maximum benefit for any one family or group
Members under age 18:
Lifetime maximum: $5,000
Death: $5,000
Loss of 2 limbs: $5,000
Loss of 1 limb: $2,500
Members age 18—69:
Lifetime maximum: $100,000
Death: $100,000
Loss of 2 limbs: $100,000
Loss of 1 limb: $50,000
Members age 70—74:
Lifetime maximum: $12,500
Death: $12,500
Loss of 2 limbs: $12,500
Loss of 1 limb: $6,250
Members age 75 and older:
Lifetime maximum: $6,250
Death: $6,250
Loss of 2 limbs: $6,250
Loss of 1 limb: $3,125
Not subject to deductible, coinsurance, or overall maximum limit.
Common Carrier Accidental Death
Members under age 18: $25,000
Members age 18—69: $50,000
Members age 70—74: $12,500
Members age 75 and older: $6,250
Subject to a maximum of $250,000 any one family or group. Not subject to deductible, coinsurance, or overall maximum limit.
Other
Pre-Existing Conditions
Acute onset of pre-existing conditions covered up to policy maximum
Maternity
Not covered
General Physical full Checkup
Not covered
Terrorism Coverage
Not covered
Brochure
Support
24-Hrs Emergency Assistance
Yes. Contact Number and details can be found on the ID card.
Plan Administrator Company
Global Underwriters
Carrier / Underwriter
United States Fire Insurance Company
Eligibility
Can be purchased by non-United States citizens or any visa holder (e.g. L/H/B1, B2, etc.) traveling outside of their home country on a legal status.
Plan Type
Comprehensive Coverage Plan
Percentage based coverage.
AM Best Rating
A+ (Excellent)
Coverage in U.S.A.
Covered
Coverage outside U.S.A.
Not Covered
Co-Pay
No Co-pay
Co-Insurance
20% for the first $5,000 of accumulated expenses only.
100% covered there after up to the selected policy maximum.
How the Benefits are Paid
After the deductible, plan pays 80% for the first $5,000 of accumulated expenses;
then plan pays 100% to the selected policy maximum.
No coverage outside USA
Coverage Type
Lifetime of the policy
Deductible Type
Per Policy Period.
Renewability
Not Extendable
Cancellation
Only before policy date. Full refund available if cancelled before start date. $25 cancellation fee applicable. After effective date NO REFUND
PPO Network
No PPO Network
Coverage Length
Min 15 Days to 1 year.
Available Deductibles
Choose From: $0, $50, $100, $250, $500, $1,000, $2,500 or $5,000 per Policy Period or Annual.
Available Coverage
Choose From: Plan A - $50,000
Plan B - $100,000
Plan C - $250,000
Plan D - $500,000
Plan E - $1000,000
Ages 60+: Limited to A, B, C
Ages 70+: Limited to Plan A & B
Ages 80+: Limited to $20,000
Provider Directory
No PPO Network
Plan 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 America Insurance FAQs |
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Q1: Which doctor or hospital can I go to? Diplomat America Insurance plan does not participate in any PPO network. You can visit any doctor or hospital. |
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Q2: Does this plan offer any optional Rider This plan offers Athletic, Sports, and Hazardous Activity Rider |
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Q3: Does this plan cover any pre-existing conditions? This plan does not provide coverage for pre-existing conditions. |
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Q4: When will I receive my ID card? You will receive and ID card with your confirmation e-mail once you purchase the plan. Depending on the policy length you may also receive and ID card to your mailing address within 5-10 business days. |
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Q5: How do I use this insurance? Please refer to the following article about the policy usage: How to use Visitor Insurance? |
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Q6: How do I file a claim? Please refer to the following article concerning the claim process: |
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Q7: What information do I need to purchase this insurance? Name(s), date of birth, and passport number of the visitor(s). |
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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 one time. |
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Q9: Where can I find answers to other questions I have? Please refer to Visitors Insurance FAQs section. |
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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.
