(866) INSUBUY
(866) 467-8289
8 AM - 9 PM CT Seven Days a Week Source ID: Insubuy
(866) INSUBUY467-82898 AM - 9 PM CTSeven Days a Week

Compare Visitors Insurance

There was a problem, please make the requested changes and submit again:

  • {{ error.message }}
  • {{ error.message }}

Inbound USA - $100,000 vs Diplomat America Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: Inbound USA - $100,000 vs Diplomat America 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

Inbound USA - $100,000
Fixed Coverage
After deductible, plan pays fixed amounts for each procedure and you pay the difference.
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.

Medical - Outpatient

Up to $85 per visit, 1 per day, 10 visits maximum per injury/illness
Up to $85 per visit, 1 per day, 10 visits maximum per injury/illness
Up to $85 per visit, 1 per day, 10 visits maximum per injury/illness
Up to $85 per visit, 1 per day, 10 visits maximum per injury/illness
Up to $550 per injury/illness

No coverage if not of an emergency nature.
Up to $550 per injury/illness

No coverage if not of an emergency nature.
Up to $250 per period of coverage
Up to $250 per period of coverage
Up to $500, Additional $500 - One CAT scan, PET scan or MRI
Up to $5,500 per injury/illness
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

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

30 day supply per prescription.
To policy maximum

30 day supply per prescription.
To policy maximum
To policy maximum

Medical - Inpatient

Up to $2,000 per day, 30 days maximum per injury/illness
Up to $2,850 per day, 8 days maximum per injury/illness
Up to $5,500 per injury/illness
Up to $1,375 per injury/illness
Up to $1,375 per injury/illness
Up to $85 per visit, 1 per day, 30 visits maximum per injury/illness
Up to $500 per injury/illness
Up to $1,100 per injury/illness
To policy maximum, average semi-private room.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
Same as any other eligible medical expense
To policy maximum

Medical - Other Treatment And Services

182 days
Same as any other eligible medical expense
Hospital bed or wheel chair: Up to $1,300 for rental, not to exceed purchase prices.
-
-
Up to $475 per injury/illness
-
Same as any other eligible medical expense
Up to $40 per visit, 1 per day, 12 visits maximum per injury/illness
None
None
Acute onset only, for persons under age 70: Medical up to policy maximum; Medical Evacuation up to $25,000.
Acute onset only, for persons under age 70: Medical up to policy maximum; Medical Evacuation up to $25,000.
180 days
Same as any other eligible medical expense
To policy maximum
-
Optional
To policy maximum
-
-
$50 per visit, maximum of 10 visits.

Must be ordered in advance by physician.
None
None
-
-
-
-

Dental

-
Up to $550 per injury/illness
$100
To policy maximum

Life

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

Plan Features

Yes, extendable in daily increments with 5 day minimum
Before effective date, full refund.

After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
Before effective date, full refund.

After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum to 364 days maximum
$0
$0
-
Email
Postal Mail
Courier
Per Incident
$0 Up to 69
$50 Up to 69
$100 Up to 99
$200 70-99
Per Incident
$50,000 Up to 99
$70,000 70-99
$75,000 Up to 69
$100,000 Up to 69
$130,000 Up to 69
Seven Corners
Seven Corners
Lloyd's
Lloyd's
No
No
Before effective date, full refund minus $25 cancellation fee.

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

After effective date, no refund
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
Global Underwriters
Advent Underwriters Limited
Advent Underwriters 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) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
  • 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) - 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.
  • 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.

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

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

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

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

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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