For outside the U.S. or Canada, click here.
Diplomat LT® is a comprehensive coverage plan for persons traveling outside their home country. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you make a purchase, you will receive a virtual id card in your email. Physical cards along with the policy will be mailed to you on the next business day. You should receive them in about five to seven business days within the United States.
What is covered and not covered?
The insurance company will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity.
Prescription drugs are covered like any other eligible medical expenses.
Dental is not covered. For dental coverage, consider a low cost plan from CAREINGTON that provides excellent coverage.
Diplomat LT® provides coverage anywhere outside of your home country including travel time as well. It also covers loss of checked luggage.
How do I use the insurance?
Please look at the detailed description.
How much is covered?
First, you will have to pay your chosen annual deductible (varies from $100 to $2,500) before the insurance company starts paying for covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of co-pay.
After that, the plan pays 80% of the next $5,000 of covered expenses, you pay 20%. In other words, you will have to pay a maximum $1,000 out of your pocket towards 20% coinsurance.
Then, the plan pays 100% up to the selected policy maximum, ranging from $50,000 to $1,000,000, depending upon your age.
Let's assume that you have purchased a $100,000 policy maximum with a $250 deductible for 3 months.
Let's assume that the doctor charges you $150/visit and you need to visit several times.
The first time you visit the doctor, you will have to pay all of that $150 yourself. You still have $100 left towards the unsatisfied deductible.
When you visit the doctor next time, and he charges you $150, you will have to pay $100 yourself. You have now completely satisfied your annual deductible. Out of the remaining $50 after your deductible, the plan pays 80%, that is $40 and you pay 20%, that is $10.
For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. The insurance company will continue to pay 80% for the first $5,000 of covered medical expenses, you pay 20% (that is maximum $1,000).
After that, the insurance company will pay 100% for covered medical expenses, up to $100,000.
Let's assume that you were in an accident and are hospitalized for 2 days. The hospital charges $12,000 per day for a total bill of $24,000. Assuming this is the first instance of your needing to use the insurance, you pay your $250deductible plus $1,000 (20% of first $5,000) and the insurance company will pay the rest.
Even if you renew your insurance, you don't have to pay the deductible again.