Who should purchase the Diplomat America?
Travel medical insurance designed to cover Non-U.S. Citizens and Non-U.S. Residents traveling to the United States. This valuable travel protection is ideal for students, business and leisure travelers, study abroad, international exchange students, tourists, holiday travelers, and church or missionary travelers.
Why do you need travel Insurance?
Nationalized or government sponsored health plans rarely provide adequate medical coverage for injuries or illnesses which occur in the United States. Most travelers are unaware of how expensive medical care is in the United States. Not to mention, that U.S. medical facilities may not recognize insurance provided by a “foreign” insurance company and could deny services or demand up-front payment for treatment.
Eligibility:
The Diplomat America provides Accident and Sickness Medical Coverage, Travel Assistance, and AD&D benefits to Non-US Residents while visiting the United States. Coverage is available for you, a second adult, unmarried dependent Children, or Children traveling alone. This plan is for individuals while traveling outside their home country and inside the USA. Diplomat America must be purchased for a minimum of 15 days.
- Optional athletic & hazardous activity rider available
- Optional intercollegiate, interscholastic, and team/club sports rider available
- No exclusion for loss due to acts of terrorism
Diplomat America Summary of Benefits
| Coverage: | Maximum Limit: |
|---|---|
| Plan A | $50,000 |
| Plan B | $100,000 |
| Plan C | $250,000 |
| Plan D | $500,000 |
| Plan E | $1,000,000 |
| Persons age 60-69 are eligible for plan A, B, and C. Persons age 70 – 79 are eligible for plans A and B; Persons age 80+ are eligible for a maximum benefit of $20,000. | |
| Co- Insurance: | 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 emergency room 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 |
| Deductible Choices: | $0, $50, $100, $250, $500, $1,000, $2,500, $5,000 per person/policy period |
| Emergency Medical Evacuation and Repatriation: | $500,000 |
| Political and Natural Disaster Evacuation: | $50,000; ($100,000 available with the purchase of the Enhanced Political and Natural Disaster Evacuation Rider) |
| 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 (Palliative): | $100 |
| Accidental Death and Dismemberment: | $25,000 (Enhanced Benefit Amounts available) with paralysis, coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits. |
