- Comprehensive coverage plan
- Coverage from 15 days to 12 months
- Covers during International Travel
Here is a complete list of benefits of Diplomat America
Members under age 18:
Lifetime maximum: $5,000
Loss of 2 limbs: $5,000
Loss of 1 limb: $2,500
Members age 18—69:
Lifetime maximum: $100,000
Loss of 2 limbs: $100,000
Loss of 1 limb: $50,000
Members age 70—74:
Lifetime maximum: $12,500
Loss of 2 limbs: $12,500
Loss of 1 limb: $6,250
Members age 75 and older:
Lifetime maximum: $6,250
Loss of 2 limbs: $6,250
Loss of 1 limb: $3,125
Not subject to deductible, coinsurance, or overall maximum limit.
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.
- 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. Covered
- Coverage outside U.S.A. Not Covered
Min 15 Days to 1 year.
|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-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.|
|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||Diplomat America 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 America Insurance FAQs
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.
Q2: Does this plan offer any optional Rider
This plan offers Athletic, Sports, and Hazardous Activity Rider
Q3: Does this plan cover any pre-existing conditions?
This plan does not provide coverage for pre-existing conditions.
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.
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 one time.
Q9: Where can I find answers to other questions I have?
Please refer to Visitors Insurance FAQs section.
The Diplomat America travel medical insurance policy is cancellable and refundable only before the policy start date .
If cancelled before the effective date:
- You can get a full refund if the cancellation is done before the coverage begins.
- A $25 cancellation fee is applicable for any policy cancelled.
If cancelled after the effective date:
- No refunds are permitted after the policy effective date.
- A refund amount, if any, will be refunded the same way it was paid. If you made the payment using a credit card, the refund will go back to the same credit card.
How to Cancel
You can cancel your visitors insurance policy with the following steps:
- Step 1. Sign in to the Customer Portal using the policy number and the primary insured's date of birth
- Step 2. Find the plan you want to cancel and click cancel. Fill out the required fields and complete cancellation
- Step 3. Allow 7-10 business days for processing and refund