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Diplomat LT Medical Insurance

Quotes & Purchase

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 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 an overview of the benefits included in this plan and is provided to you as an aid to help you familiarize yourself with the benefits. This information is a high-level overview of the given plans coverages. Please use this information as a guide only and do not make any decisions solely based on 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.

General

Diplomat LT - Excluding US
Comprehensive
After deductible, plan pays 100% to policy maximum.

Medical - Outpatient

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

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: Athletic Sports and Hazardous Activity, available for ages under 80.
To policy maximum
-
-
Inpatient: To policy maximum. Outpatient: $50 per visit, maximum of 10 visits. Must be ordered in advance by physician.
None
None
Unexpected recurrence only, up to age 65: Medical up to $20,000; 65+ $2,500. US Citizens only.
-
Included

Dental

$100
To policy maximum

Travel

-
$5,000
-
$50 per article; $250 maximum.
$50,000
$50,000
$250,000
$50,000
-
-
-

Life

$25,000 included. Optional add-on for ages 18+, up to $100,000.
$25,000

Other

Included
Optional - Incidental: $50,000; Extension of Benefits: $10,000
$100 per day, maximum of 10 days; U.S. Citizens only.
-
$100 per day, 5 days maximum
-
Included

Plan Features

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
$50,000 70-79
$100,000 65-69
$500,000 Up to 64
$1,000,000 Up to 64
Global Underwriters
Crum & Forster SPC
A "Excellent"

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Quotes & Purchase
  • 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.
  • The dash (-) in the fields above means Not Applicable (N/A).
  • Home country for IMG (Patriot products, Visitors Care, Visitors Protect), WorldTrips (Atlas, VisitorSecure), 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 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.
  • The dash (-) in the fields above means Not Applicable (N/A).
DISCLAIMER: This is a high level description of the insurance plan meant to provide a quick overview. It may not describe all possible scenarios or coverages in all different cases. Please refer to the brochure and the certificate wording for complete details. Even though we have tried our best to accurately describe the plan, if there is any discrepancy between this description and the certificate wording, the certificate wording will prevail.

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