Diplomat Long Term

Global underwriters

Diplomat Long-Term is an excellent Accident & Sickness Medical Policy for anyone traveling outside their home country. The policy protects international travelers, like yourself, for as little as three months, all the way to 365 days. Plus, you have the ability to renew for another 1-year term, if you wish.

Diplomat Long Term lets you select from two different medical plans which offer Maximum generous coverage: Plan A $500,000 and Plan B $1,000,000. Diplomat LT is an 80/20 plan with eight Deductible choices ranging from $0 to $5,000 per person/plan period.

This travel insurance is designed to protect with plentiful benefits like $500,000 Emergency Medical Evacuation, $50,000 Political/Natural Disaster Evacuation, and $5,000 Trip Interruption. You also get a $25,000 AD&D benefit and an optional $2 Million Enhanced AD&D benefit. Diplomat LT’s flexibility is ideal if you’re traveling for business, pleasure, missionary, or academic purposes.

General

Coinsurance
After deductible, plan pays 80% up to $5,000, then 100% to the Medical Maximum | 100% Covered outside the USA
Medical Benefits

Hospital Room and Board
After deductible and coinsurance, pays up to policy maximum
Surgical Treatment
After deductible and coinsurance, pays up to policy maximum
Intensive Care
After deductible and coinsurance, pays up to policy maximum
Physician Visits
After deductible and coinsurance, pays up to policy maximum
Surgical Treatment (Outpatient)
After deductible and coinsurance, pays up to policy maximum
Prescription Medication
After deductible and coinsurance, pays up to policy maximum
Diagnostic Procedures
After deductible and coinsurance, pays up to policy maximum
Pre-Existing Conditions
Not covered
Maternity
Not covered
Routine physical examination
Not covered
Physical Therapy
$50.00 per visit, with a maximum of 10 visits
Ambulance
After deductible and coinsurance, pays up to policy maximum
Emergency Room
After deductible and coinsurance, pays up to policy maximum. Additional $250 deductible applies if not admitted in hospital within 12 hours of the incident
Hospital Indemnity
$100 per day to a maximum of 10 days (US Citizens only)
Dental Benefits

Unexpected pain to sound natural teeth
$100
Accident related Emergency
After deductible and coinsurance, pays up to policy maximum
Life Insurance

Accidental Death & Dismemberment
$25,000 (Enhanced Benefit Amounts available)
Common Carrier Accidental Death
$25,000 (Enhanced Benefit Amounts available)
Other Travel Benefits

Emergency Medical Evacuation
$500,000
Return of Mortal Remains or Cremation/Burial
$50,000
Emergency Reunion
$50,000
Return of Minor Children
$50,000
Trip Interruption
$5,000
Loss Luggage
$50 per article; up to a maximum of $250
Terrorism
Not covered
Coverage Information
Plan Type
Comprehensive
Acute Onset
No
Cancelable
No
Renewable
No
Adventure
No
Dependent Eligible
Yes

Disclaimer
Before making a final purchase, you must thoroughly read the policy information published by the insurance carrier, including their policy brochure and certificate. The insurance company's documents provide the definitive explanation of plan features, benefits, exclusions, limitations, claims handling, and other critical details. If you find any conflicts between our website and the insurance carrier’s documents, be advised the insurer’s documents take precedence.