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Atlas America®

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Diplomat Long Term

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Atlas America vs Diplomat LT - Including US Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: Atlas America vs Diplomat LT - Including US Insurance.

Even though both the travel medical insurance plans would work for anyone visiting United States, there are certain differences that would be important to understand in order to make an educated decision.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is a quick comparison of the plans you selected to compare. The quick comparison is comprised of coverages considered important and popular by our customers. You can use the quick comparison to easily narrow your plan search to plans deemed suitable for your needs.

This information should be used as a guide only, you should not make decisions solely using this information. If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is a detailed comparison of the plans you have chosen to compare. The detailed comparison is an aid to help you familiarize yourself with plan coverages. The detailed comparison is not inclusive of all the coverages or details included in a plan. Do not make a decision based on this information alone.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

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Atlas America®

Purchase

Diplomat Long Term

Purchase

General

Atlas America
After deductible, plan pays 100% to policy maximum.
Diplomat LT - Including US
After deductible, plan pays 80% up to $5,000, then 100% to policy maximum.

Medical - Outpatient

To policy maximum
Included
US-Urgent Care/Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible.
US-Urgent Care/Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible.
To policy maximum In US: Extra $200 copay for illness visit that does not result in hospital admission.
To policy maximum, 60 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
Excluded
To policy maximum
To policy maximum
To policy maximum Extra $250 copay for illness visit that does not result in hospital admission within 12 hours of incident.
To policy maximum, 30 day supply per prescription.
To policy maximum
To policy maximum

Medical - Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum
To policy maximum, average semi-private room.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum

Medical - Other Treatment And Services

90 days
Same as any other eligible medical expense
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
$50 per incident copay, $150 maximum (plan deductible waived)
$50 per incident copay, $150 maximum (plan deductible waived)
Recreational: Included
To policy maximum when illness or injury results in hospitalization as inpatient.
Complications of pregnancy only, during first 26 weeks of pregnancy.
-
$50 maximum per day
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
Yes
Acute onset only, for persons under 80: Medical up to policy maximum. Medical Evacuation up to $25,000.
Acute onset only, for persons under 80: Medical up to policy maximum. Medical Evacuation up to $25,000.
Included
52 weeks US citizens, 26 weeks non-US citizens
Same as any other eligible medical expense
To policy maximum
-
-
Optional: Athletic Sports and Hazardous Activity, available for ages under 80.
To policy maximum
-
-
Inpatient: To policy maximum. Outpatient: $50 per visit, maximum of 10 visits. Must be ordered in advance by physician.
None
None
None
Acute onset only, for persons under 70: Medical up to $10,000.
Acute onset only, for persons under 70: Medical up to $10,000.
-
-
Included

Dental

$300 - Not subject to deductible
$300 - Not subject to deductible
$100
To policy maximum

Travel

-
$10,000
12+ hours: $100/day; 2 days maximum
Primary
12+ hours: $100/day; 2 days maximum
Primary
$50 per item, $1,000 maximum
$50,000
$100,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
$100
$100
$500
$500
-
$5,000
-
-
$50 per article; $250 maximum.
$50,000
$50,000
$250,000
$50,000
-
-
-
-
-

Life

Under 18: $5,000, Ages 18-69: $25,000, Ages 70-74: $12,500, Ages 75+: $6,250; Maximum $250,000 per family or group.
Under 18: $10,000, Ages 18-69: $50,000, Ages 70-74: $25,000, Ages 75+: $12,500; Maximum $250,000 per family or group.
$25,000 included. Optional add-on for ages 18+, up to $100,000.
$25,000

Other

Included
Incidental: 30 days per every 3-month period.
$100 per day
-
$250 per day, 5 day maximum for accommodations.
$50,000 Eligible medical expenses only
Included
Included
Optional - Incidental: $50,000; Extension of Benefits: $10,000
-
-
$100 per day, 5 days maximum
-
Included

Plan Features

Before effective date, full refund. After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
Before effective date, full refund. After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 12 months maximum
$0
$0
Personal Liability: $25,000 Crisis Response: $10,000 Bedside Visit: $1,500 Pet Return: $1,000 Political Evacuation: $100,000 Optional: Cell phone coverage
Email
Postal Mail
Courier
Per Policy Period
$0 Up to 99
$100 Up to 99
$250 Up to 99
$500 Up to 99
$1,000 Up to 99
$2,500 Up to 99
$5,000 Up to 99
Lifetime Maximum
$10,000 80-99
$50,000 Up to 79
$100,000 Up to 79
$250,000 Up to 64
$500,000 Up to 64
$1,000,000 Up to 64
$2,000,000 Up to 64
WorldTrips
Lloyd's
A "Excellent"
Before effective date, full refund minus $25 cancellation fee. After effective date, no refund
Before effective date, full refund minus $25 cancellation fee. After effective date, no refund
3 months minimum up to 3 years maximum
$10
$0
Political Evacuation: $50,000 Natural Disaster Evacuation: $50,000
Email
Annual
$0 Up to 119
$50 Up to 119
$100 Up to 119
$250 Up to 119
$500 Up to 119
$1,000 Up to 119
$2,500 Up to 119
$5,000 Up to 119
Lifetime Maximum
$20,000 80-119
$50,000 70-79
$100,000 65-69
$500,000 Up to 64
$1,000,000 Up to 64
Global Underwriters
Crum & Forster SPC
A "Excellent"
  • This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
  • Home country for IMG (Patriot products, Visitors Care, Visitors Protect), WorldTrips (Atlas, VisitorSecure), and Global Underwriters (Diplomat America, Diplomat Long Term, Diplomat International) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
  • Home country for Azimuth Risk Solutions (Beacon products) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
DISCLAIMER: This is a high level description of the insurance plan meant to provide a quick overview. It may not describe all possible scenarios or coverages in all different cases. Please refer to the brochure and the certificate wording for complete details. Even though we have tried our best to accurately describe the plan, if there is any discrepancy between this description and the certificate wording, the certificate wording will prevail.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

Learn More

Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

Learn More

Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

Learn More

Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

Learn More

International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More

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