Diplomat Long Term International
Comprehensive Coverage- AM Best Rating
- A+ (Excellent)
- Administrator/Underwriter
- Global Underwriters
United States Fire Insurance Company
In Network
After deductible, the plan pays 80% up to the policy maximum.
Comprehensive Coverage Plan
Coverage from 90 days to 12 days
PPO
No PPO network Urgent Care
- Cannot accept an address in Maryland (MD), New York (NY) & South Dakota (SD).
Diplomat Long-term International Insurance provides travel and medical coverage for the US and Non-US citizens, travelling outside of the United States.
Please review Diplomat Long Term Insurance Brochure 
or policy document for complete and accurate coverage information.
Out-Patient
Dr. / Physician Visit
In the USA: After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Outside USA: After the deductible, plan pays 100% up to the chosen policy max
Surgical Treatment
In the USA: After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Outside USA: After the deductible, plan pays 100% up to the chosen policy max
Prescription Drugs / Medicines
In the USA: After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Outside USA: After the deductible, plan pays 100% up to the chosen policy max
Lab & X-rays
In the USA: After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Outside USA: After the deductible, plan pays 100% up to the chosen policy max
In-Patient
Hospital Room
In the USA: After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Outside USA: After the deductible, plan pays 100% up to the chosen policy max
Surgical Treatment
In the USA: After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Outside USA: After the deductible, plan pays 100% up to the chosen policy max
Hospital Intensive Care Unit
In the USA: After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Outside USA: After the deductible, plan pays 100% up to the chosen policy max
Drug/Alcohol Abuse
Not Covered
Emergency Services
Ambulance Expenses
In the USA: After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Outside USA: After the deductible, plan pays 100% up to the chosen policy max
Emergency Room(ER)
In the USA: After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Outside USA: After the deductible, plan pays 100% up to the chosen policy max
Dental
Acute, spontaneous and unexpected pain
Up to $100
Accidental emergency
In the USA: After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Outside USA: After the deductible, plan pays 100% up to the chosen 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
Cataract Surgery
Not Covered
Cancer
Not Covered
Cardiac
Not Covered
Mental Illness
Not Covered
Alzheimer's Desease
Not Covered
Hazardous Sports Coverage
Not Covered
Pre-Existing Conditions
For US Citizens Only: Covers up to $20,000 for unexpected recurrence of a pre-existing condition. For people 65+ up to $2,500.
Maternity
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 US & non-United States citizens, travelling outside of their home country, excluding the USA
Plan Type
Comprehensive Coverage Plan
AM Best Rating
A+ (Excellent)
Coverage in U.S.A.
Percentage-based coverage
Coverage outside U.S.A.
Not Covered
Co-Pay
No Co-pay
Co-Insurance
After deductible no co-insurance.
How the Benefits are Paid
After deductible plan pays 100% up to selected 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; or
2. The termination date shown on the enrollment form, for which premium has been paid; or
3. 36 months after your coverage effective date.
Coverage Type
Lifetime of the policy
Deductible Type
Per policy period
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
Not CancelableOnly before policy start date. Full refund available if cancelled before start date. A $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 or $5,000 per Policy Period or Annual.
Available Coverage
Choose From:
Plan A - $500,000
Plan B - $100,000
Ages 70 to 79: $100,000
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. For US citizens, the USA is considered your home country.
US States Restrictions
New York, Maryland and South Dakota- Plan cannot be purchased with these state addresses
Country Restrictions
Citizens and Residents of Australia and Canada are not eligible for this plan.
Plan will not cover for travel to Iran or Australia
Diplomat Long Term Insurance FAQs | |
| Q1: Which doctor or hospital can I go to? Diplomat Long Term Insurance plan does not participate in any PPO network. You can visit any doctor or hospital. | |
| Q2: Does this plan offer optional riders? This plan offers athletic, sports and hazardous activity riders. | |
| Q3: Does this plan cover 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(s) of birth, and passport number(s) 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. | |
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.
