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Diplomat America

Comprehensive Coverage
AM Best Rating
A+ (Excellent)
Administrator/Underwriter
Global Underwriters
United States Fire Insurance Company
80%
In Network

After deductible, the plan pays 80% up to the policy maximum.

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Medical Coverage During Travel
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Comprehensive Coverage Plan
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Coverage from 15 days to 12 days
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Urgent Care
BUY

Diplomat America Insurance offers medical coverage and emergency services to individuals and families traveling to United States.

Please review Diplomat America Insurance Brochure brochure or Description of Coverage brochure (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

Diplomat America Insurance Brochure 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:
Visitor Insurance 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.
Learn more from informative articles at Visitor Insurance Information section. If you still have questions, please call our support line toll free: 1.866.384.9104

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.