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You are here: Home > Companies > Global Underwriters > Diplomat LT

Global Underwriters – Diplomat LT

Editor Review

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The Good: Long-term medical protection with a few package-like benefits to round out the travel coverage. Optional coverage riders round out the plan for adventure travelers, athletes, and those who need to return home once in a while.

The Drawbacks: Not available to citizens of all states. No coverage for pre-existing medical conditions. No optional add-ons to enhance the coverage. Deductibles and coinsurance apply with this plan.

The Bottom Line: This is long-term travel medical insurance for people traveling outside their home country for a minimum of 3 months, which means it is complete accident and sickness medical coverage with package-like benefits that provide financial protection against travel-related risks.

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Coverage

BenefitsMaximum
Medical expenses$500,000 or $1,000,000
Emergency dental$100
Emergency evacuations$300,000
Repatriation$20,000
Flight accident AD&D$25,000
24/7 assistance servicesYes

* Age limits apply after age 70 and 80.

Plan Details

This plan is unique in that it provides the following:

  • Includes chiropractic care up to $35.00 per visit (10 visits maximum per injury).
  • Choose your deductible from $50, $100, $250, $500, $1,000, $2,500, or $5,000.
  • Includes coverage for lost baggage $50 per bag up to $250.
  • Includes $5,000 in trip interruption if the insured must abandon their trip due to death (immediate family member included) or serious damage to the insured’s principal residence due to fire, flood, or other natural disaster.
  • Hospital indemnity up to $100 per overnight included.
  • Includes emergency reunion up to $10,000.

Optional Coverage

The following optional coverage is available when you purchase this plan:

  • Optional hazardous activity coverage for activities like SCUBA diving, snow and water skiing, mountain climbing, and more, which are typically excluded from coverage.
  • Optional athlete coverage for participation in amateur club or interscholastic sports.
  • Optional home country coverage for incidental home country trips up to two months per 12 months of coverage (medical benefit reduced by 50%).

Limitations

The following are the limitations on this plan’s coverage:

  • Coinsurance applies for treatment inside the U.S. and Canada (80% to the first $5,000, then 100% after deductible).
  • Waiting period of 30 days. The maximum payout for an illness during that time frame is $1,000.
  • No coverage for pre-existing conditions.

Related Global Underwriters Plans

  • Diplomat America
  • Diplomat International
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About this website

My name is Damian, and I started this website in 2006 to help travelers understand travel insurance.

The site features company reviews, guides, articles, and many blog posts to help you better understand travel insurance and pick the right plan for your trip (assuming you actually need travel insurance).

I am also a licensed travel insurance agent, and you can get a quote and purchase through this site as well.

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