Diplomat America Travel Medical Insurance: Essential Medical Protection for Visitors to the United States
When non-U.S. residents travel to the United States for business, leisure, study, missionary work, or family visits, unexpected illness or injury can create major financial strain on a tight budget. Diplomat America by Global Underwriters is a focused travel medical insurance plan that provides accident and sickness coverage while inside the United States.
It offers flexible medical maximums up to $1,000,000, a range of deductibles, and important benefits, including emergency medical evacuation, repatriation, trip interruption, and baggage protection.
This plan is available for periods ranging from 15 to 365 days and helps deliver practical safeguards without high premiums, making reliable medical protection accessible for shorter visits to the U.S.
Key Coverage Highlights – Diplomat America
Benefits are per insured person per policy period unless otherwise noted. Exact limits, terms, and conditions are in the policy documents. Medical maximum choices:
Plan A: $50,000
Plan B: $100,000
Plan C: $250,000
Plan D: $500,000
Plan E: $1,000,000
Age eligibility: Up to age 59 eligible for all plans; ages 60–69 limited to Plans A–C; ages 70–79 limited to Plans A–B; ages 80+ limited to $20,000 maximum. Deductible options: $0, $50, $100, $250, $500, $1,000, $2,500, $5,000.
Emergency Accident and Sickness Medical Expense — Up to the selected medical maximum. After the deductible, the plan pays 80% of the first $5,000 of eligible costs, then 100% of eligible costs up to the maximum. Covers doctor visits, hospitalization, urgent care, and prescription drugs.
Emergency Medical Evacuation and Repatriation — Up to $250,000 (or higher in some versions).
Return of Mortal Remains — Up to $50,000.
Emergency Medical Reunion — Up to $50,000.
Return of Minor Child — Up to $50,000.
Trip Interruption — Up to $5,000 for the unused portion of prepaid trip expenses due to a covered reason.
Baggage Loss — Up to $250 total ($50 per article).
Emergency Dental Treatment — Usual & customary for accident-related cases; up to $100 for palliative pain relief.
Accidental Death and Dismemberment — $25,000 principal sum (enhanced options available).
24/7 Travel Assistance Services — Multilingual support with U.S. board-certified physicians available 24/7 for medical referrals and coordination.
Additional benefits may include personal security, evacuation, and emergency reunion in some configurations.
Coverage is non-renewable. Pre-existing conditions are subject to a 24-month look-back exclusion (acute onset coverage may apply in limited cases). Always review the specific certificate for covered reasons, exclusions, coinsurance details, and any state variations. COVID-19 coverage is included in many versions.