Diplomat America Insurance

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.

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.

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

• Certificate of Insurance: Review all the policy details available in the Diplomat America Insurance Certificate which is the detailed sample document of the master policy.

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.

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

• Quote/Buy Online: Get instant quote & Buy Diplomat America Insurance coverage online, ID cards and proof of coverage emailed.
• Application Form: Complete, mail/fax the Diplomat America Insurance Paper Application along with the requisite policy premium payment.

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.

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.