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Diplomat Long Term Insurance for Travelers
- Who: Coverage for Non-US residents while visiting the US or for those traveling internationally outside their home country. Coverage is available for 2 adults, any unmarried dependent children ages 14 days to under 18 years, or children traveling alone.
- What: Diplomat Long Term Insurance plan by Global Underwriters provides Accident and Sickness Medical Coverage, Emergency Medical Evacuation, Repatriation of Remains, Adventure Sports Travel Insurance, Emergency Dental, Lost Baggage, Travel Assistance, and Accidental Death and Dismemberment benefits
- Where: Provides coverage outside the individual’s home country. (Home country is the country where you have your true, fixed, and permanent home and principal establishment and to which you have the intention of returning.)
Why is Diplomat Long Term Insurance Plan Good for Visitors?
Plan Benefits: Coverage for medical expenses due to illness and injury including hospitalization, prescription drugs, emergency dental, medical evacuation, emergency reunion, repatriation of remains, lost baggage, trip interruption, etc. The plan includes up to $1 million medical coverage and up to $1 million AD&D. Diplomat Long Term Plan has an overall policy maximum ranging from $50,000 to $1,000,000. You can review the complete benefits in the Brochure.
Pre-existing: US Citizens: Unexpected recurrence for a preexisting condition covered outside the US up to $20,000 for under 65y & $2,500 for older; Lookback period for pre-existing conditions is 18 months prior to the start of the plan.
Non-US Citizens: Acute onset of pre-existing conditions for Non-US citizens under the age of 70, traveling in the US, can be covered.
PPO Hospital Network: You are free to go to any provider in the area. No PPO network.
Special Feature 1: Covid-19 insurance coverage is included
Special Feature 2: Athletic Sports & Hazardous Activity Coverage
Special Feature 3: Optional enhancements for Incidental Trip to Home Country, Additional AD&D, and War Risk Coverage.
What Coverage and Benefits are Offered by Diplomat Long Term Insurance?
Employees, Individuals, or families traveling outside their home country on business or leisure or students studying abroad can avail of accident and sickness medical coverage, AD&D benefits, Emergency Evacuation benefits, and more with the Diplomat Long term Plan.
The plan can be bought for a minimum of 3 months and is renewable to a maximum of 36 consecutive months.
You can review the complete benefits in the Brochure.
Coverage Highlights:
- Up to $1 million Medical coverage for Hospital room, board and other services
- Renewal for Long Term Travel
- Up to $1 Million AD&D benefit
- Optional Athletic and Hazardous Sports Rider
- Lost Baggage
- Trip Interruption
- In Hospital Benefit
- Emergency Medical Evacuation
- Emergency Reunion
- Repatriation of Remains Expenses
- Emergency Dental Benefit
Benefits for Diplomat Long Term Insurance
| Benefit | Traveling to the United States | Traveling Outside the United States |
|---|---|---|
| In-patient Hospital | Plan A: $500,000 Plan B: $1,000,000 | Plan A: $500,000 Plan B: $1,000,000 |
| Out-patient Clinic | Plan A: $500,000 Plan B: $1,000,000 | Plan A: $500,000 Plan B: $1,000,000 |
| Doctor Visit | Plan A: $500,000 Plan B: $1,000,000 | Plan A: $500,000 Plan B: $1,000,000 |
| Prescription Drugs | Plan A: $500,000 Plan B: $1,000,000 | Plan A: $500,000 Plan B: $1,000,000 |
What is the Price or Cost of Diplomat Long Term Insurance?
The pricing is dependent on the following factors: The higher the plan limit, age, or coverage days, the higher will be the premium. If you add any optional coverage the premium will increase. Your premium reduces if you opt for a higher deductible.
Plan Limit: There are various options to choose from. Plan offers plan limits of $500,000, $1,000,000 for ages up to 69 years. The plan offers $100,000 to members between ages 70-79 years and $20,000 for above 80 years.
Age: The plan is available from age 14 days to above 80 years.
Coverage Days: The minimum period of coverage that can be purchased under this plan is 3 months and the maximum period of coverage is 12 months. Coverage is renewable for up to 12 months at a time, to a maximum of 36 consecutive months. Coverage is based on a per month rate.
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.
Incidental Trips to Your Home Country: This benefit covers you for incidental trips to your Home Country.
Follow Me Home Coverage: This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country.
Additional AD&D: The Principal Sum is increased from $25,000 to the selected amount not to exceed $1,000,000 of coverage.
War Risk Coverage: War Risk Coverage is divided into three categories:
War Risk Area 1 (High War Risk – coverage is mandatory – covers your travels to countries in War Risk Areas 1, 2, and 3)
War Risk Area 2 (Medium War Risk – coverage is highly recommended – covers your travels to countries in War Risk Areas 2 and 3)
War Risk Area 3 (Low War Risk – recommended – covers your travels to countries in War Risk Area 3)
Diplomat Long Term Price Table
| Age | Policy Max Limit $500,000 | Policy Max Limit $1,000,000 |
|---|---|---|
| From 50 to 59 years | $230 | $263 |
| From 60 to 64 years | $268 | $319 |
| From 65 to 69 years | $291 | $346 |
| From 70 to 79 years | NA | NA |
FAQ: How does Diplomat Long Term Insurance Plan work?
Diplomat Long Term (LT) provides Accident and Sickness medical coverage, Accidental Death and Dismemberment benefits, and Travel Assistance to Non-U.S. residents while visiting the United States or for those traveling internationally outside their home country. Coverage is available for 2 adults, any unmarried dependent children ages 14 days until their 18th birthday, or children traveling alone.
Please Note:
- Coverage is NOT available for travel in Iran.
- Coverage is NOT available for citizens of Australia or Iran or residents of New York, Maryland, and South Dakota.
This policy does not cover pre-existing conditions. However, unexpected recurrence of a pre-existing condition is covered for US citizens only. The maximum limit varies as per the participant’s age.
If the member is a non-US citizen under the age of 70, traveling ins the US, the member is covered for an Acute Onset of a Pre-existing Condition(s). This benefit does not apply to members age 70 or older.
Review full details in the Brochure
Acute Onset of Pre-existing conditions shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing 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. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or Treatments existent or necessary prior to the Effective Date of coverage.
This policy doesn’t stipulate specific providers or facilities. You can go to any provider, urgent care or emergency room (life threatening). Please provide a copy of your insurance card (schedule of insurance) at the time of service.
Adventure sports are not covered under the Diplomat LT Plan. However, Athletic Sports & Hazardous Activity Rider can be purchased at an additional cost. This provides coverage if Your Injury or Illness results from enumerated Athletic Sports & Hazardous Activities.
The application will need the name, date of birth, visitor’s address, passport country, and email address to send the insurance documents. If you do have the passport number, you can enter it. 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.
The policy can be purchased up until the day before your trip departure or a future desired effective date.
Members can buy the plan for a minimum of 3 months and can extend coverage for an additional term of up to 364 days of coverage. A participant is eligible to renew 36 consecutive months from the date of the initial enrolment.
Less a $25 processing fee, will be considered only when written request is received by Global Underwriters prior to the Effective Date of Individual coverage. After the Effective Date of Individual coverage, premium is considered fully earned and non-refundable. Partial refunds are not available.
Submitting a claim if treated outside the United States:
- Complete a Claim Form with your most current mailing address in case the Claims Department needs to contact you in writing for additional information.
- Attach and send in all original receipts for proof of payment, the foreign medical invoice, and medical information that was provided to you from the foreign provider.
- Be sure to keep 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.
Submitting a claim if treated inside the United States:
- 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.
*All attachments sent to the claims email must be in PDF format.
Claims can be submitted by mail, email, or fax to:
Global Claims Administration
3195 Linwood Avenue, Suite 201
Cincinnati, OH 45208
FAX: 513-533-9416
Provided by ON CALL INTERNATIONAL SERVICES
Inside US and Canada 866-509-7715 Outside US and Canada 603-328-1728 (collect)
- Open 24 hours / 7 days a week
- Assists when you need to be evacuated or repatriated
- Locates local facilities/hospitals
- Multilingual personnel
- Help with emergency situations
- Medical personnel on staff
Diplomat Long Term® insurance is underwritten by Allied World Assurance Company (Europe) dac; rated “A” (excellent) by A. M. Best.