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Diplomat America

Medical Insurance for Travel to the USA

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Comprehensive Travel Medical & Evacuation Insurance for Travel to the USA. INCLUDES COVID-19 COVERAGE

Our Diplomat America plan provides Accident & Sickness medical coverage and Accidental Death and Dismemberment (AD&D) benefits. This plan is designed for Non-U.S. residents traveling to the United States. This plan also provides Emergency Medical Evacuation & Repatriation, 24-Hour Multilingual Worldwide Assistance Services (U.S. Board Certified Physicians on staff 24/7) and much more.

Product Highlights

  • Up To $1 Million Medical Coverage
  • Emergency Medical Evacuation
  • Up To $1 Million AD&D
  • Trip Interruption
  • Emergency Reunion
  • Repatriation of Remains
  • Emergency Dental
  • Lost Baggage

Ideal For

  • Business or Leisure Travel
  • Individuals / Families Traveling
    to the United States
  • Employees Traveling to
    the United States for Work
  • Students Traveling to the
    United States to Study
  • Individuals / Families Participating
    in International Adventure Travel


Our Diplomat America plan provides Accident and Sickness medical coverage, Emergency Medical Evacuation coverage, Accidental Death and Dismemberment benefits, Travel Assistance and much more. This plan is designed for 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 this coverage?

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.

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Diplomat America provides Accident and Sickness medical coverage, Accidental Death and Dismemberment benefits and Travel Assistance to Non-U.S. residents while visiting the United States. Coverage is available for 2 adults, any unmarried dependent children ages 14 days until their 18th birthday or children traveling alone.

Please Note:

  • Coverage is NOT available for citizens of Australia or Iran.
  • This plan is not designed to cover U.S. residents or any travel outside the United States.
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Period of Coverage

The minimum period of coverage that can be purchased under this plan is 15 days and the maximum period of coverage is 365 days. Coverage is based on a per day rate.


Coverage will begin on the latest of the following:

  • Your departure from your Home Country; or
  • The date your completed enrollment form and correct premium are received by Global Underwriters; or
  • The effective date requested on the enrollment form.


Coverage will end on the earlier of the following:

  • Your permanent return to your Home Country; or
  • Twelve months after your coverage’s effective date; or
  • The termination date shown on the enrollment form, for which premium has been paid.


Refund of premium, less a $25 processing fee, will be considered only if written request is received by Global Underwriters prior to the effective date of coverage. After that date, the premium is considered fully earned and non-refundable. Partial refunds are not available.

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Description of Benefits

All coverage, benefits and premiums are in U.S. Dollar amounts. If an Injury or Illness occurs during the Period of Coverage and the Insured Person requires medical or surgical treatment, this plan will pay the following Covered Expenses, up to the selected policy maximum.  (Subject to the selected deductible and applicable co-insurance, and exclusions)

Covered Expenses – Expenses that are incurred for medical care and supplies which are: (a) necessary and customary; (b) prescribed by a Physician for the therapeutic treatment of a disablement; (c) are not excluded under the policy; (d) are not more than the Reasonable and Customary charges (as determined by the Company); and (e) are incurred within 180 days from the date of the Disablement will be considered.

  1. Expenses made by a Hospital for room and board, floor nursing and other services, including Expenses for professional services, except personal services of a non-medical nature, provided, however, that Expenses do not exceed the Hospital’s average charge for semi-private room and board accommodation.
  2. Charges made for Intensive Care or Coronary Care charges and nursing services;
  3. Expenses made for diagnosis, Treatment and surgery by a Physician.
  4. Charges made for an operating room.
  5. Charges made for Outpatient Treatment, same as any other Treatment covered on an  Inpatient basis. This includes ambulatory Surgical centers, Physician’s Outpatient visits/examinations, clinic care, and Surgical opinion consultations.
  6. Expenses made for administration of anesthetics.
  7. Expenses for medication, x-ray services, laboratory tests and services, the use of radium and radio-active isotopes, oxygen, blood transfusions, iron lungs, and medical Treatment.
  8. Expenses for physiotherapy, if recommended by a Physician, for the Treatment of a specific Disablement and administered by a licensed physiotherapist; With regards to chiropractic care, eligible charges up to $50.00 per visit, with a maximum of 10 visits.
  9. Dressings, drugs, and medicines that are prescribed by a Physician.
  10. Hotel room charge, when the insured, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified  Physician in a hotel room owing to the unavailability of a  Hospital room.

Policy Medical Maximum Choices
Plan A – $50,000
Plan B – $100,000
Plan C – $250,000
Plan D – $500,000
Plan E – $1,000,000

Persons up to age 59 are eligible for all plans;
Persons age 60-69 are eligible for plans A, B and C;
Persons age 70-79 are eligible for plans A and B;
Persons age 80+ are limited to $20,000.

Deductible Choices
$0, $50, $100, $250, $500, $1,000, $2,500, $5000 per person per policy period.

Emergency Medical Evacuation – Benefits are paid for Covered Expense incurred up to $500,000 for any covered Injury or Illness that requires immediate transportation from the place where You are located (due to inadequate medical facilities).

Repatriation – If it is determined by the Assistance Company and your Physician that it is Medically Necessary for You to return to Your primary place of residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred within 90 days from the date of the Covered Loss will be paid for Your return to Your Home Country or to a medical facility closest to Your primary place of residence.

Return of Mortal Remains – If death occurs, Benefits will be paid for Reasonable and Customary Covered Expenses to return Your remains to Your Home Country.

Emergency Medical Reunion – If it is determined by the Assistance Company and your Physician that it is necessary for You to have an Emergency Medical Evacuation, this Plan will arrange to bring an individual of Your choice, from Your current Home Country, to be at Your side while You are hospitalized and then accompany You during Your return home.

Return of Minor Child(ren) – Should the Insured Person be traveling alone with a Minor Child(ren) and be hospitalized because of a covered Illness or Injury and Your Minor Child(ren) is left unattended, the Assistance Company will arrange for a one way economy fare(s) to Your current Home Country.

Interruption of Trip – If Your trip is interrupted due to the Death of an Immediate Family Member or serious damage to your residence, benefits will be paid up to $5,000 for the Expense of economy travel less the value of applied credit from an unused return travel ticket to return You home to Your area of principal residence.

Loss of Baggage – This plan will reimburse You for loss, theft, or damage to Your baggage or personal effects checked with a Common Carrier, after coverage provided by a Common Carrier.

Political and Natural Disaster Evacuation – Coverage is provided up to $50,000 if the Insured requires emergency evacuation due to situations which place him/her in Imminent Bodily Harm or due to a Natural Disaster.

Emergency Dental Treatment (Accident) – Benefits are paid for Reasonable and Customary Expense for emergency Dental Treatment to natural teeth.

Emergency Dental Treatment (Palliative) – Benefits are paid up to $100 for emergency Treatment for the relief of pain to natural teeth.

*Some Exclusions Apply*

View the full Diplomat America Description of Coverage.

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AD&D Benefits

Accidental Death, Dismemberment, Loss of Sight, and Speech and Hearing – The amount of the Principal Sum is $25,000 (unless the Enhanced AD&D Benefit is purchased). Enhanced AD&D Benefit (If Benefit Purchased) – The Principal Sum is increased from $25,000 to the selected amount not to exceed $1,000,000 of coverage.  The Enhanced AD&D Benefit is not available to children under 18 years of age.

If within 365 days after the date of a covered accident, the Insured Person’s Injury results in death or dismemberment, this Plan provides the following benefits for loss of:

Description of Loss Indemnity
Life Principal Sum
Both Hands or Both Feet or Sight of Both Eyes Principal Sum
One Hand and One Foot Principal Sum
Either Hand or Foot and Sight of One Eye Principal Sum
Either Hand or Foot or Sight of One Eye One-Half the Principal Sum


Paralysis Benefit – If the Accident or Injury renders a Plan Participant Paralyzed within 365 days of the date of the Injury, in any one of the types of paralysis specified below, The Company will pay up to a maximum of $25,000 as follows:

Type of Paralysis (Loss)      Indemnity
Quadriplegia $25,000
Paraplegia $18,750
Hemiplegia $12,500
Uniplegia $6,250


Coma Benefit – If a covered Injury renders an Insured Person Comatose within 90 days of the date of the accident that caused the Injury, and if the Coma continues for a period of 30 consecutive days, The Company will pay a monthly benefit equal to 1% of the maximum amount.

Seat Belt and Airbag Benefit  – The Company will pay a benefit if the Insured Person suffers accidental death while operating, or riding as a passenger in an Automobile and he/she was wearing a properly fastened seat belt, properly installed by a factory authorized dealer and was positioned in a seat protected by a properly functioning Supplemental Restraint System, properly installed by a factory authorized dealer that inflates on impact.

Felonious Assault Benefit – The Company will pay a benefit if an Insured Person suffers one or more losses for which benefits are payable under the Accidental Dismemberment Benefit or Coma Benefit provided by the plan as a result of a Felonious Assault.

Home Alteration and Vehicle Modification – The Company will pay Covered Home Alteration and Vehicle Modification Expenses that are incurred within one year after the date of the accident causing such loss(es).

*Some Exclusions Apply*

View the full Diplomat America Description of Coverage.

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Optional Enhancements

  • Athletic Sports & Hazardous Activity Coverage

  • Additional AD&D


Athletic Sports & Hazardous Activity Coverage

The Athletic Sports & Hazardous Activity Rider provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities. The insured can purchase coverage, with the payment of additional premium, from specific bundled options of Athletic Sports & Hazardous Activities.

Table 1:
FOR: Athletic Sports & Hazardous Activities that are
NOT: Intercollegiate or Interscholastic Athletics; Club Sports; or Organized Amateur Sports. Under this coverage, covered expenses are payable to the policy maximums.

Low Option

BMX; Bobsledding; Bungee Jumping; Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate (Non-competitive); Motor Scooter;  Motorcycling; Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving (Not to exceed 30 feet, Resort Course or equivalent required); Snow Skiing (Recreational); Snowboarding (Recreational); Snowmobiling; Spelunking/Caving; Surfing (Recreational); Trekking (Not exceeding Class IV Difficulty on Yosemite Decimal System); Wakeboarding; Water skiing; Whitewater Rafting (Class I through V rapids); Wind Surfing; Zip Lining.

Middle Option

Aerial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning (As a pilot); Mountain Climbing (14,000 ft. & below – Ropes & proper safety equipment required); Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing (Ropes & proper safety equipment required); Scuba Diving (Below 30 feet, PADI/NAUI Certification required, or insured must be accompanied by a certified diving instructor); Skydiving; Snow Skiing Off-Piste.

High Option

Big Game Hunting (Use of Firearms); Diving with Sharks; Mountain Climbing (14,000 ft. & above – Ropes, proper safety equipment & certified guide required); Running with the Bulls; Security Detail (use of firearms).

Table 2:
FOR: Intercollegiate or Interscholastic Athletics; Club Sports; or Organized Amateur Sports. Under this coverage, covered expenses under the medical maximum are limited to $20,000.

Low Option

Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleyball.

Middle Option

Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; Wrestling.

High Option

Football (No Division One); Gymnastics; Rugby (No Division One); Soccer.

Additional AD&D

Purchase up to $1,000,000 of 24 hour Accidental Death & Dismemberment coverage. Benefits and exclusions are the same as base plan.

Excess Benefits – All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance.

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View Our Claims Frequently Asked Questions.

Global Claims Administration
3195 Linwood Avenue, Suite 201
Cincinnati OH 45208


*All attachments sent to the claims email must be in PDF format.

Inside U.S. and Canada: 800-513-2981
Outside U.S. and Canada: 513-533-1330

Fax: 513-533-9416

Claim Forms – The Company, upon receipt of a written notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice, the claimant shall be deemed to have complied with the requirements of this Plan by submitting, within the time fixed in this Plan for filing proofs of loss, written proof showing the occurrence, nature and extent of the loss for which claim is made. View Claim Forms

Proofs of Loss – Written proof of loss must be furnished to The Company at its said office in case of claim for loss for which this plan provides any periodic payment contingent upon continuing loss within 90 days after termination of each period for which The Company is liable and in case of claim for any other loss within 90 days after the date of such loss. Failure to furnish proof within the time required shall not invalidate nor reduce any claim if it is not reasonably possible to give proof within such time, provided proof is furnished as soon as reasonably possible.

Time of Payment of Claims – Indemnities payable under the plan for any loss other than loss for which the plan provides any periodic will be paid immediately upon receipt of due written proof of such loss. Subject to due written proof of loss, all accrued indemnities for loss for which the plan provides periodic payment will be paid at the expiration of each four weeks during the continuance of the period for which The Company is liable, and any balance remaining unpaid upon the termination of liability will be paid immediately upon receipt of due written proof.

Payment of Claims – Indemnity for loss of life will be payable in accordance without the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the Insured Person. Any other accrued indemnities unpaid at the Insured Person’s death may, at the option of The Company, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the Insured Person. If any indemnity of the policy shall be payable to the estate of an Insured Person, or to an Insured Person who is a minor or otherwise not competent to give a valid release, The Company may pay such indemnity, up to an amount not exceeding $1000 to any relative by blood or connection by marriage of the Insured Person who is deemed by The Company to be equitably entitled thereto. Any payment made by The Company in good faith pursuant to this provision shall fully discharge The Company to the extent of such payment. Subject to any written direction of the Insured Person all or a portion of any indemnities provided by this plan on account of Hospital, nursing, medical or surgical service may, at The Company’s option and unless the Insured Person requests otherwise in writing not later than at the time for filing proof of such loss, be paid directly to the Hospital or person rendering such services, but it is not required that the service be rendered by a particular Hospital or person.

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What is a Deductible?
The Deductible is the amount of covered expenses which is your responsibility to pay before benefits under the plan are payable.

What is Coinsurance?
Coinsurance is the percentage amount of covered expenses, after the Deductible, which is your responsibility to pay.

What’s the difference between all of the plans for this product?
All of the Plans have the same standard benefits (i.e. Emergency Medical Evacuation, Repatriation, Emergency Reunion, Trip Interruption, etc.). The different plans allow you to choose which Medical maximum benefit limit you would like. The medical maximum limit, is what the policy will pay up to should you need to go to the doctor, urgent care or hospital.

Where do I put my agent information?
The agent information (name, phone, and email) is collected on the first page when obtaining a quote. This is the only location this information can be provided.

Do you need passport information for all members of my family?
No, passport information will only be collected for the primary insured.

What is a Beneficiary?
A Beneficiary is the person named by the policy holder to receive the Accidental Death Benefit should this benefit be payable. This may be any person chosen by the policy holder.

Why do I need to designate a beneficiary?
We offer an Accident Death & Dismemberment (AD&D) benefit on our policies. This is accident life insurance, so you will need to name a beneficiary to receive this benefit.

Can I pay by check instead of a credit card?
Yes, you can either request a paper application or complete the online process and choose the option ‘printing out your policy request’ on the payment page and following the provided instructions.

When is the latest I can purchase this policy before I leave on my trip?
Policies can be purchased up until the day before your trip departure or desired effective date.

Can I renew my coverage on this plan?
Coverage under this plan is not renewable. If additional coverage time is needed, a new application must be completed and correct premium submitted to Global Underwriters Agency.

Can I cancel my policy and get a refund of premium?
Less a $25 processing fee, a refund will be considered only when a written request is received by Global Underwriters Agency prior to the effective date of individual coverage. After the effective date of individual coverage, premium is considered fully earned and non-refundable. Partial refunds are not available.

Also, See Our Claims Frequently Asked Questions.

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Plan Documents

Diplomat America Plan Resources




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Is COVID-19 Covered?

Covid-19 insurance coverage is included on the Diplomat America policy. More information below.

The Diplomat America does not specifically exclude Covid-19, therefore it is treated the same as any other illness. The claim will be subject to all terms and conditions outlined in the policy plan provision.

  • The coronavirus testing would be covered if ordered by a medical physician who deems it medically necessary, the insured fits the criteria for the test and the insured’s policy is active during the time of the testing.
  • The medical expenses would be covered as well during the time of the policy, if the signs and symptoms started during the effective date of the policy and will be paid per the parameters of the policy.
  • There is no trip cancellation coverage and Trip Interruption does not cover any conditions related to Covid-19.
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