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Diplomat International Travel Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: .

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.

Please use this high-level information as a guide only and do not make decisions solely based on this information. If you have any concerns, doubts or questions please call us for further details. It is not possible to represent all details of information in a concise manner; if there is any discrepancy between this information 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.

General

Diplomat International
Comprehensive
After deductible, covered at 100% to policy maximum.

Medical - Outpatient

Medical - Inpatient

Medical - Other Treatment And Services

52 weeks US citizens, 26 weeks non-US citizens
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
Unexpected Recurrence: 64 and younger $20,000; 65+ $2,500. U.S. citizens only.
-

Life

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

Other

Included
Optional: Home Country, Incidental up to $50,000; Extension of Benefits up to $10,000. Co-insurance still applies.
$100 per day, maximum of 10 days; U.S. Citizens only.
-
$50,000
-
Included

Plan Features

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

After effective date, no refund.
5 days minimum up to 365 days maximum
$0
$0
Political Evacuation: $50,000.
Natural Disaster Evacuation: $50,000.
Email
Per Policy Period
$0
$50
$100
$250
$500
$1,000
$2,500
$5,000
Llifetime Maximum
$20,000 Age 80+
$50,000 Up to 79
$100,000 Up to 79
$250,000 Up to 69
$500,000 Up to 69
$1,000,000 Up to 69
Global Underwriters
Advent Underwriting Limited of behalf of Syndicate 780 at Lloyd's
  • 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) - 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.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Whenever there is a difference in benefits levels within PPO network and outside PPO network, the benefits shown above are applicable when availing treatment within PPO network.
  • 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.

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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.

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