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Diplomat America Insurance

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Diplomat America Visitor Health Insurance for USA

Diplomat America Insurance is a comprehensive non-renewable plan for visitors to the USA, purchase coverage exactly from 15 up to 365 days.

COVID-19 / SARS-CoV-2 / Coronavirus  Diplomat America plan still includes coverage for testing/treatment of COVID19 even after The World Health Organization (WHO) issued a global pandemic warning, and the U.S. Centers for Disease Control and Prevention (CDC) issued a level 3 travel warning to avoid nonessential travel.

Diplomat America Insurance is an excellent visitor medical insurance policy for senior parents, relatives and other visitors to USA. Plan provides accident and sickness medical coverage, travel assistance, and Accidental Death and Dismemberment benefits to foreign nationals while visiting the United States.

Diplomat America plan provides great medical benefits for foreign nationals while visiting the United States or traveling abroad, plans available for ages 80+ years also. Diplomat America Travel Medical Insurance is available for visitors to USA, and their spouse and unmarried dependent children, ages 14 days up to 18 years, while traveling to the United States. Diplomat America is an ideal visitor health Insurance for parents visiting USA and tourists to the United States.

Diplomat America Visitor Insurance is a non-renewable plan suited for USA visitors needing coverage from 15 days to 1 year, however if you are traveling outside the United States, coverage is available through the Diplomat International and Diplomat Long Term programs. Diplomat International Insurance is suitable for U.S. citizens and other nationals traveling outside America. Diplomat LT Insurance offers long-term coverage for individuals and families residing long-term outside their home country.

Diplomat America Visitor Health Insurance plan is administered by Global Underwriters, and policy is underwritten by Crum & Forster SPC; rated “A” (excellent) by A.M. Best.

Diplomat America Insurance Review

Top Visitor Health Insurance USA  COVID-19 

Notes: Excellent policy with Covid-19 coverage for visitors to the USA, has sudden relapse with acute-onset pre-existing condition benefits for ages below 70 years. Non-renewable.

Eligibility: Any foreign resident individuals and/or family, above age 14 days, and visiting the USA only. The plan is available for both foreign nationals and expat US citizens visiting the U.S.

Coverage Duration: Minimum of 15 days to maximum of 1 year (365 days)


  • Member maximum limits: $50K to $1 million
  • Choice of deductible: $0 to $2,500
  • AD&D benefit: $25K (included), additional to $1 million

PPO Network: No Preferred Provider Organization (PPO) network, consult any doctor or hospital for medical care.

Renew or Extend: Not renewable, purchase exact days of coverage necessary.

Other Highlights

  • Foreign nationals visiting the USA
  • Sickness/injury plans for visitors to America
  • Acute-onset of pre-conditions included
  • Quote & purchase online for single trip
  • Child alone without adult purchase allowed
  • Optional hazardous sports activity riders

Diplomat America Insurance Policy Information

Diplomat America policy is designed for tourist relatives/parents visiting the USA, or international travelers to the United States from any foreign home country.

Diplomat America Plan Overview

Diplomat America Visitor Insurance plan highlights include:

  • Diplomat America is travel medical insurance for non-U.S. citizens visiting the USA
  • Comprehensive plan that provides up to US$1,000,000 medical coverage
  • Plan that offers US$100,000 of comprehensive coverage for persons of age group 70 – 80 years
  • Senior citizens age 80+ can get US$20,000 of comprehensive coverage
  • No PPO network, any hospital or doctor can be consulted
  • Coverage for age group of minimum of 14 days old onwards up to 80+ years
  • US$25,000 Accidental Death and Dismemberment benefits
  • Medical Evacuation and Emergency Reunion benefits included
  • Diplomat travel health insurance comes in two available choices: Diplomat America for the foreign nationals visiting USA or traveling to any other foreign country, and Diplomat International for anyone who are traveling abroad to any overseas destination.

Diplomat America Plan Details

Diplomat America policy is designed for anyone traveling to the United States of America, suitable for international travelers and tourists or relatives/parents visiting USA from any foreign country.

  • Eligibility: Visitors to USA and any traveling outside their home country to the United States. All applicants must maintain permanent residency outside of the United States. Coverage is available to the primary insured, a second insured adult, unmarried dependent children, or even if children traveling alone.
  • Duration: Minimum period of 15 days initial purchase, to maximum coverage duration of 1 year (365 days).
  • Maximum Amount: Plan offers maximum coverage choices for visitors ages below 70 years: Plan A: $50,000, Plan B: $100,000, Plan C: $250,000, Plan D: $500,000, and Plan E: $1,000,000; amounts are for the life of the plan or coverage duration. For visitors age 70 – 79 years, maximum coverage choices up to $100,000 (plans A and B only); for travelers 80 years and older, coverage maximum is US$20,000.
  • Deductible: Choice of USD $0, $50, $100, $250, $500, $1000, $2500, or $5,000 deductible (accumulated amount) per person per certificate plan period.
  • Co-Insurance:
    Traveling to the United States: After you pay the selected deductible, the plan pays 80% up to $5,000 of eligible costs, then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness. The ER deductible will be waived if hospital admittance is within 12 hours of the incident.
  • Pre-Existing Condition: Exclusion: 24 Months prior to the start date of coverage.
  • Emergency Medical Evacuation and Repatriation: $500,000
  • Return of Mortal Remains: $50,000
  • Emergency Medical Reunion: $50,000
  • Return of Minor Child: $50,000
  • Interruption of Trip: $5,000
  • Loss of Baggage: $50 per article; up to a maximum of $250
  • Emergency Dental Treatment: Accident: Usual & Customary expense covered, and Palliative: $100
  • Accidental Death and Dismemberment: $25,000 (Enhanced Benefit Amounts available) with paralysis and
    coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits.
  • Political and Natural Disaster Evacuation: $50,000
  • Travel Assistance: Travel assistance services are also available.
  • Optional Plan Enhancements: Athletic & Hazardous Activity Benefit available for team and other dangerous sport activity as specified.
  • Other Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs.
  • Administrator: Diplomat America is administered by Global Underwriters Inc.
  • Underwriter: Diplomat America is underwritten by Crum & Forster SPC; rated “A” (excellent) by A.M. Best.

Diplomat America Insurance Plan Brochure

Review the plan brochure for coverage benefits or the detailed coverage information for plan exclusions and in-depth policy benefits.

  • Plan Brochure: Review the Diplomat America Plan Brochure for policy details.
  • Claims Form: Download and submit Diplomat America Claims form for reimbursement of incurred expenses.

Diplomat America Certificate of Insurance & Plan Summary Description

Review the plan sample certificate of insurance for detailed coverage information including policy exclusions and in-depth plan summary of benefits.

Diplomat America PPO Network

Diplomat America has No PPO network, so any of the extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers can be visited for treatment or medical care.

Diplomat America - Quote/Buy Online or Apply

Quote/Buy Diplomat America Insurance instantly online, or alternatively print/complete the paper application along with the premium cost payment.

Diplomat America - Renew or Extend Coverage Expiration Dates

Diplomat America Insurance coverage cannot be extended or renewed. Please remember to purchase this policy for the entire coverage duration desired. The policy terms also cannot be modified or terms altered after the coverage start date.

Diplomat America Cancellation & Refund Rules

Below are the rules pertaining to cancellation of the policy and refund of premium.

  • Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
  • Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.

Diplomat America Insurance Plan FAQ

Below are some of the questions frequently asked with the Diplomat America insurance plan gathered over many years:

Who is eligible to purchase the Diplomat America policy?

Foreign nationals visiting the USA for short term up one year

The Diplomat America plan is available for foreign nationals who are visiting the United States for a short-term duration of up to 1 year. Individuals and/or families of any age visiting the United States can purchase the policy. The plan is NOT available for US citizens who live permanently outside the USA as expatriates, and are traveling to the USA for a short visit.

When should I purchase the Diplomat America policy?

After your travel dates are confirmed, buy Diplomat America plan

The best time to purchase the Diplomat America policy is right after you book your airline tickets. You can also buy coverage before you leave on your trip to America. The policy can be purchased even the day before your departure to the United States. If you have forgotton to purchase coverage, you can still buy coverage after your arrival to the USA, by entering the start date of coverage as early as next day for the desired effective date.

What are the difference between Diplomat America plan choices offered?

Medical maximum benefit is different for plan choices selected

Medical maximum benefit is the only differrence for the differnt plan choices: A, B, C, D & E. The different plan choices allow you to choose which Medical maximum benefit limit you would like, higher the maximimum, higher the premium cost. All of the plan choices have the same standard benefits with the Emergency Medical Evacuation, Repatriation, Emergency Reunion, Trip Interruption, etc. The medical maximum limit is amount of coverage the plan offers for the different plan choices, which starts at $50,000 USD to $1 Million. This amount is the maximum medical coverage that is offered and any amounts for bills that exceed this is not covered.

What is the beneficiary and who should I name as the beneficiary?

Beneficiary can be anyone, typically other than the insured persons

The Diplomat America plan offers Accident Death & Dismemberment (AD&D) benefit paid out in the even of loss of life or loss of limb (arm or leg) that will be paid to beneficiary named to receive this benefit. The beneficiary can be any designated person chosen by the policy holder. It is a good idea to not name the insured persons in the policy as the beneficiary. If you are purchasing this policy for your relatives or parents visiting USA, you can name yourself as the beneficiary.

Do I have to complete and pay online, or can I mail a paper application?

The online application to purchase the Diplomat America plan is easy and fast

The easiest and fastest way to purchase the Diplomat America plan is to complete the secure Diplomat America application is online by clicking the Quote & Buy button available on the top of this page. Alternatively, you can download, print, complete, and mail/post the paper application with the requisite premium payment (pay by check or a credit card) to the address given on the application form. Please follow the provided instructions in calculating the premiums for the coverage options selected and the postal mailing address to send the application with payment.

Can I buy the Diplomat America policy now and renew coverage later?

Diplomat America is NOT renewable or extendable

Diplomat America does NOT allow coverage to be renewed or extended. You can plan your purchase coverage period between 15 days and 365 days (1 year). However, if additional coverage duration is needed after completing the existing policy term, the same policy can be purchased by completing a new online/paper application.

What is the cancellation and refund rules for the Diplomat America plan?

Fully refundable prior to start or effective date

All cancellation requests must come as a written request (email) to the plan administrator. To be eligible for a refund, requests received prior to the effective date of coverage are only considered for a full refund. After the effective date of coverage, the premium is considered to be fully earned and hence it is non-refundable. Also, after the start date, partial refunds are not honored. A $25 processing fee applies.

Do you need passport number information to purchase the Diplomat America policy?

Passport number for primary insured is optional

If you have the passport number of the primary insured person, then you can enter the same. However, this is an optional field and only the the primary insured person’s passport number is entered, and not required for other members of the family.

What are the common terms used in the Diplomat America plan?

Medical Maximum, Deductible, Coinsurance are commonly referenced

Medical Maximum is the maximum amount covered under the policy, the plan will pay up to that amount should you need to use the plan by see medical care with the doctor, urgent care, or hospital, etc. Deductible is the amount of medical expenses which the insured person has to meet and cross (accumulated amount) before the plan pays. Higher the deductible selected, lower is the premium cost for the same medical maximum coverage selected. Coinsurance is the percentage amount of covered expenses, after the deductible, which the insured person pays, and applies only for the first $5000 beyond the deductible. Usual, Reasonable & Customary (URC) is for amounts that is actually payed out in the even of a sickness or injury claim. This is based on the local costs for treatment of that same type of claim.

Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.