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Compare Visitors Insurance

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Visitors Care - $100,000 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: Visitors Care - $100,000 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 prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

All 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.

The information below is a quick comparison of the plans you selected to compare. The quick comparison is comprised of coverages considered important and popular by our customers. You can use the quick comparison to easily narrow your plan search to plans deemed suitable for your needs.

This information should be used as a guide only, you should not make decisions solely using this information. If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

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

All 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.

The information below is a detailed comparison of the plans you have chosen to compare. The detailed comparison is an aid to help you familiarize yourself with plan coverages. The detailed comparison is not inclusive of all the coverages or details included in a plan. Do not make a decision based on this information alone.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

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

All 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

Visitors Care - $100,000
Fixed Coverage
After deductible, plan pays fixed amounts for each procedure and you pay the difference.
Diplomat LT - Including US
Comprehensive
After deductible, plan pays 80% up to $5,000, then 100% to policy maximum.

Medical - Outpatient

Up to $85 per visit, 10 visits per annual period
Up to $85 per visit, 10 visits per annual period
Included
Up to $85 per visit, 10 visits per annual period
$550 per visit No coverage if not admitted to hospital, unless for injury.
$550 per visit No coverage if not admitted to hospital, unless for injury.
Up to $250 per annual period, maximum of 90 days per prescription
Up to $250 per annual period, maximum of 90 days per prescription
Up to $500 per incident, maximum of $500
Up to $5,500 per surgical session
To policy maximum
To policy maximum
Excluded
To policy maximum
To policy maximum Extra $250 copay for illness visit that does not result in hospital admission within 12 hours of incident.
To policy maximum Extra $250 copay for illness visit that 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 annual period
Up to $2,850 per day, 8 days maximum per annual period
Up to $5,500 per surgical session
Up to $1,375 per surgical session
Up to $1,375 per surgical session
Up to $85 per visit, 30 visits per annual period
Up to $500 per annual period
Up to $1,100 per annual period
To policy maximum, average semi-private room.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum

Medical - Other Treatment And Services

-
Same as any other eligible medical expense
Up to $1,300 per annual period for a standard basic hospital bed, standard basic wheelchair or the initial orthopedic prosthetic
-
-
Up to $475 per annual period

No coverage if not admitted to hospital, unless for injury.
-
-
Up to $40 per visit, 1 per visit per day, 12 visits maximum

Must be ordered in advance by physician.
None
None
Acute onset only, for persons under 70: Medical up to policy maximum; Medical Evacuation up to $25,000.
Acute onset only, for persons under 70: Medical up to policy maximum; Medical Evacuation up to $25,000.
Included
52 weeks US citizens, 26 weeks non-US citizens
Same as any other eligible medical expense
To policy maximum
-
Optional
To policy maximum
-
-
Inpatient: To policy maximum.
Outpatient: $50 per visit, maximum of 10 visits.

Must be ordered in advance by physician.
None
None
Acute onset only, for persons under 70: Medical up to $10,000.
Acute onset only, for persons under 70: Medical up to $10,000.
-
Included

Dental

-
Up to $550 per annual period
$100
To policy maximum

Life

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

Other

-
Incidental: 14 days after 30 days continuous coverage
-
-
-
$50,000
Included
Included
Optional - Incidental: $50,000; Extension of Benefits: $10,000
-
-
$100 per day, 5 days maximum
-
Included

Plan Features

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 2 years maximum
$0
$0
Private Duty Nursing: $550
Email
Postal Mail
Courier
Annual
$0 Up to 69
$50 Up to 110
$100 Up to 110
Per Incident
$10,000 80-110
$25,000 Up to 79
$50,000 Up to 79
$100,000 Up to 79
International Medical Group (IMG)
Sirius Specialty Insurance Corporation
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
3 months minimum up to 3 years maximum
$10
$0
Political Evacuation: $50,000 Natural Disaster Evacuation: $50,000
Email
Annual
$0 Up to 119
$50 Up to 119
$100 Up to 119
$250 Up to 119
$500 Up to 119
$1,000 Up to 119
$2,500 Up to 119
$5,000 Up to 119
Lifetime Maximum
$20,000 80-119
$100,000 70-79
$500,000 Up to 69
$1,000,000 Up to 69
Global Underwriters
Crum & Forster SPC
  • This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Coverages shown are per person unless noted otherwise.
  • Home country for IMG (Patriot products, Visitors Care) and Global Underwriters (Diplomat America, Diplomat Long Term, Diplomat International) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
  • Home country for WorldTrips (Atlas, VisitorSecure) and Azimuth Risk Solutions (Beacon 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, your home country is where you principally reside and receive regular mail.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • 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 are not 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.

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