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Compare Visitors Insurance

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Diplomat America vs Diplomat LT - Including US Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: Diplomat America vs Diplomat LT - Including US Insurance

Even though both the travel medical insurance plans would work for anyone visiting United States, there are certain differences that would be important to understand in order to make an educated decision.

If you have any concerns, doubts or questions, please refer to the individual policy details for complete information as it is not possible to accurately represent all the details concisely, such as follows. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All the amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

Following is the high level comparison of various international medical insurance plans. Please use this comparison as a guide only and do not make any decisions solely based on this comparison. If you have any concerns, doubts or questions, please refer to the individual policy details for complete information as it is not possible to accurately represent all the details in concise comparison such as follows. Please call us for further details. If there is any discrepancy between this comparison and the actual policy details, the policy details will override.

All the amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

General

Diplomat America
Comprehensive
In U.S./Canada: After deductible, plan pays 80% up to $5,000, then 100% to policy maximum.

Outside U.S.: No coverage.
Diplomat LT - Including US
Comprehensive
In U.S.: After deductible, plan pays 80% up to $5,000, then 100% to policy maximum.

Outside U.S.: After deductible, plan pays 100% to policy maximum.

Medical – Outpatient

To policy maximum
To policy maximum

Extra $250 copay if ER visit for an illness does not result in hospital admission within 12 hours of incident.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum

Extra $250 copay if ER visit for an illness does not result in hospital admission within 12 hours of incident.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum

Medical – Inpatient

To policy maximum, average semi-private room.
To policy maximum, 2 times average semi-private room rate.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
Same as any other eligible medical expense
To policy maximum
To policy maximum, average semi-private room.
To policy maximum, 2 times average semi-private room rate.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
Same as any other eligible medical expense
To policy maximum

Medical – Other Treatement And Services

52 weeks for U.S. Citizens/26 weeks for Non-US Citizens
Same as any other eligible medical expense
To policy maximum
Optional
To policy maximum
-
-
$50 maximum per day
None
None
Not covered
-
52 weeks for U.S. Citizens/26 weeks for Non-US Citizens
Same as any other eligible medical expense
To policy maximum
Optional
To policy maximum
-
-
$50 maximum per day
None
None
Not covered
-

Life

$25,000 included. Optional add-on for ages 18+, up to $1 million.
$25,000
$25,000 included. Optional add-on for ages 18+, up to $1 million.
$25,000

Plan Features

No
No
Before effective date, full refund minus $25 cancellation fee.

After effective date, no refund
15 days minimum up to 365 days maximum
15 days minimum up to 365 days maximum
$0
$0
Incidental trips to Mexico, Canada, and Caribbean Islands only.
Email
Per Policy Period
$0
$50
$100
$250
$500
$1,000
$2,500
$5,000
Lifetime Maximum
$20,000 Age 80+
$50,000 Up to 79
$100,000 Up to 79
$250,000 Up to 69
$500,000 Up to 59
$1,000,000 Up to 59
Global Underwriters
Advent Underwriters Limited
Yes, if iniital purchase of 3 months minimum
Before effective date, full refund minus $25 cancellation fee.

After effective date, no refund
3 months minimum up to 3 years maximum for ages up to 69 years; 70 - 79 up to 2 years maximum; 80+ 1 year maximum
3 months minimum up to 3 years maximum for ages up to 69 years; 70 - 79 up to 2 years maximum; 80+ 1 year maximum
$10
$0
Email
Annual
$0
$50
$100
$250
$500
$1,000
$2,500
$5,000
Lifetime Maximum
$20,000 Age 80+
$100,000 70-79
$500,000 Up to 69
$1,000,000 Up to 69
Global Underwriters
Advent Underwriting Limited
  • This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).
  • Coverages shown are per person unless noted otherwise.
  • Home country for IMG (Patriot products, Visitors Care) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, home country is the country where you principally reside and receive regular mail.
  • Home country for Tokio Marine HCC - MIS Group (Atlas, VisitorSecure) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
  • Home country for Seven Corners (Inbound products, Liaison products) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment. If you are a U.S. Citizen, the Home Country is always the United States. (*Excludes Liaison International)
  • Green Cover - Benefits shown here are for Part A and Part B purchased together; if only one part (either A or B) is purchased, then benefits will differ from those shown here.
  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).
  • Coverages shown are per person unless noted otherwise.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don’t need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More