Diplomat America Insurance
- Who: Diplomat America Insurance by Global Underwriters is designed for Non-U.S. residents traveling to US; ideal for international students, business and leisure travelers, study abroad, foreign tourists and visitors to USA, holiday travelers, and church or missionary travelers.
- What: Provides visitors medical insurance for accidents and illnesses, coverage for emergency medical treatment, medical evacuation, and repatriation of remains, trip interruption, lost baggage, accidental death and dismemberment, emergency dental, and more.
- Where: Diplomat America Insurance provides medical insurance to Non-US residents in the United States.
Why is Diplomat America Insurance Good for Visitors?
You can opt for a range of coverage depending on your requirement with Diplomat America.
Plan Benefits: Up to $1 million in coverage for Medical illnesses and injuries for in-patient and out-patient treatment. Additional benefits include Acute onset of pre-existing conditions, AD&D, Trip Interruption, Lost baggage, Repatriation of Remains, Emergency Dental, and more. Choose Deductible options from $0 to $5,000. You can review the complete benefits in the Brochure.
Pre-existing: Diplomat America has a 24-month prior to the start date exclusion on pre-existing conditions. The plan provides coverage for acute onset of pre-existing conditions for members under age 70.
PPO Hospital Network: Diplomat America for visitors does not follow a PPO network. You can go to any provider in the area.
Special Feature 1: Optional upgrade for Athletic Sports & Hazardous Activity Coverage
Special Feature 2: You can opt for additional AD&D up to $1,000,000
Coverage offered by Diplomat America Insurance
Diplomat America is designed to provide accident and sickness and evacuation coverage for foreign nationals and visitors traveling inside the USA. It is also available to US citizens returning to the US for vacation or business trips while living abroad with an international address. After the deductible, the plan pays 80% up to $5,000 of the eligible costs, then 100% to the Medical Maximum. You can review the complete benefits in the Brochure
- Coverage choices ranging from $50,000 to $1,000,000
- Coverage from 15 days to 365 days
- Emergency Reunion
- Emergency Medical Evacuation
- Repatriation of Remains
- Accidental Death & Dismemberment
- Emergency Dental
- Trip Interruption
- Lost Baggage
- Optional coverage for Athletic Sports coverage and Hazardous Activities.
Benefits for Diplomat America Insurance
|Benefit||Coverage Amount |
up to 59 years
|Coverage Amount |
above 60- 79 years
|In-patient Hospital||From $50,000|
|Out-patient Clinic||From $50,000|
|Doctor Visit||From $50,000|
|Prescription Drugs||From $50,000|
cost of Diplomat America Insurance
The pricing is dependent on the following factors:
Plan Limit: There are various options to choose from. Premium depends on the chosen policy maximum. The higher the policy maximum, the higher will be the premium.
Plan offers 5 plan limits of $50,000, $100,000, $250,000, $500,000, $1,000,000.
Age: Higher the age, the higher will be the premium.
Coverage Days: Premium is based on a daily rate. The more the number of coverage days, the higher will be the premium. The minimum period of coverage that can be purchased is 15 days and the maximum period of coverage is 365 days.
Optional Coverage Benefits Riders: Optional riders include the following:
Athletic Sports & Hazardous Activity Coverage: Provides coverage if Your Injury or Illness results from certain enumerated Athletic Sports & Hazardous Activities.
Additional AD&D: The Principal Sum is increased from $25,000 to the selected amount not to exceed $1,000,000 of coverage. The Enhanced AD&D Benefit is not available to children under 18 years of age.
Diplomat America Price Table
|Age||Policy Max |
|Policy Max |
|From 50 to 59 years||$144||$177|
|From 60 to 64 years||$182||$223|
|From 65 to 69 years||$208||$267|
|From 70 to 79 years||$208||$379|
FAQ: How does Diplomat America work?
Diplomat America provides Accident and Sickness medical coverage, Accidental Death and Dismemberment benefits, and Travel Assistance to Non-U.S. residents while visiting the United States. It is also available to US citizens returning to the US for vacation or business trips while living abroad with an international address.
Coverage is available for 2 adults, any unmarried dependent children ages 14 days until their 18th birthday, or children traveling alone.
- Coverage is NOT available for citizens of Australia or Iran.
- This plan is not designed to cover U.S. residents or any travel outside the United States.
No, Diplomat America does not cover pre-existing conditions. There is a pre-existing condition exclusion of 24 months prior to the start of the coverage.
The plan provides acute onset of pre-existing conditions for plan participants below age 70.
Acute Onset of a Pre-existing Condition(s) means a sudden and unexpected outbreak or recurrence of a Preexisting Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset.
Diplomat America does not follow a PPO network. You can go to any provider in the area.
Adventure sports are not covered under Diplomat America. However, for an additional premium, the plan offers an optional athletic sports & hazardous activity rider for injuries or illness that results from practice or play in any amateur, club, intramural, interscholastic, intercollegiate activities. These benefits come in three options: Low Option, Middle Option, and High Option. You can review more in the Brochure
The application will need the name, date of birth, visitor’s home country address, passport country, and email address to send the insurance documents. A valid credit card will be required to complete the purchase.
Once the application is submitted, an email will be sent to the email address provided on the application which will include links to download the ID card, Visa Letter, and Certificate wording.
Diplomat America has five options – A, B, C, D, E to choose from. All of the Plans have the same standard benefits (i.e. Emergency Medical Evacuation, Repatriation, Emergency Reunion, Trip Interruption, etc.). The difference is in the Medical Maximum benefit limit you can choose from. The medical maximum limit is what the policy will pay up to should you need to go to the doctor, urgent care, or hospital.
Policies can be purchased up until the day before your trip departure or desired effective date. The coverage begins from the next day or a future date you opt for on the application. It is a good practice to buy visitor medical insurance a few days before departure so that you can make sure you have all the necessary documentation before you travel and are assured that you are covered from the date you apply for.
Coverage under this Plan is not renewable. If additional coverage time is needed, a new application must be completed and the correct Premium submitted. A new Deductible, Coinsurance, and Pre-existing Condition Exclusion will apply at each succeeding or subsequent Period of Coverage.
A refund of the plan cost, less a $25 processing fee, will be considered only when a written request is received prior to the Effective Date of Individual coverage. After the Effective Date of Individual coverage, the plan cost is considered fully earned and non-refundable. Partial refunds are not available.
It is a good practice to keep a copy of the entire Claims documents with you before you submit the Claims for processing
- Present your insurance information to the provider at the time of service, therefore the provider is able to bill Global Claims Administration directly.
- Download and submit a Claim form with your most current mailing address in case Global Claims Administration LLC needs to contact you in writing for additional information.
- If you have paid for services yourself, please attach copies of all receipts of proof of payment and a complete itemized bill to the completed claim form.
- Please be sure to retain copies of all your receipts for your records.
- The second page of the Accident/Sickness claim form also outlines how to file a claim in detail.
Address: Global Claims Administration 3195 Linwood Avenue, Suite 201; Cincinnati OH 45208
Phone No.: Inside US and Canada
+1 (800) 513-2981
Outside US and Canada
+1 (513) 5339-1330
9 am – 5 pm Eastern Standard Time Monday through Friday
Diplomat America Medical Insurance is underwritten by Insurance Company of State of Pennsylvania, member of American International Group (AIG) of companies.
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