Page Contents:
	Quick Comparison Tables
	Atlas America
	Diplomat America & Diplomat LT
	Liaison International

Find the best choice for your exact needs and budget.

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A Quick Comparison Of 4 Top "US-Style" Plans 
(All links open in a new Window)

Plan Name	Atlas America	Diplomat America	Diplomat LT	Liaison International
Plan Administrator	Multinational Underwriters, Inc.	Global Underwriters Agency, Inc.	Global Underwriters Agency, Inc.	Seven Corners, Inc.

Notice (below) How Plan Benefits Tend To Look Alike.

A Sample Of Benefits	Atlas America	Diplomat America	Diplomat LT	Liaison International
Hospital	Yes	Yes	Yes	Yes
Physician	Yes	Yes	Yes	Yes
RX  Drugs	Yes	Yes	Yes	Yes
Medical Evacuation	Yes	Yes	Yes	Yes

KEY Differences Are Found In The Plan Definitions & Exclusions

Some Important Plan Definitions And Exclusions	Atlas America	Diplomat America	Diplomat LT	Liaison International
Benefit Period	6 Months	12 Months	12 Months	6 Months
Any Coverage For "Pre-Existing" Medical Conditions?	No	Emergency Medical Evacuation benefit.	Emergency Medical Evacuation benefit.	Emergency Medical Evacuation benefit.
Note: Private (non-government) health insurance typically excludes coverage for "pre-existing conditions."  You are urged to carefully read the definition of "pre-existing condition" in each plan you review.
Look-back period for defining "Pre-existing Condition."	2 years	3 years	3 years	3 years
Note: On another page, you will find the Inbound USA plan. The look-back period for "pre-existing conditions" is only 6 months (or 12 months for persons age 70 and over). Inbound USA benefits are not as comprehensive as are the plan benefits found on this page, but the shorter look-back period may be of interest to some.
Is There An Option To Renew For Continuous Coverage?	With initial purchase of at least 3 months, renewable for up to 12 months total.	Not renewable	Minimum initial purchase of at least 3 months, renewable for up to 36 months total.	Minimum purchase only 5 days and renewable for up to 36 months.
Is The Insurer Registered To  Legally Conduct Insurance Business In All States?	Yes Registered in all States & D.C. Lloyd's, London, rated "A-" by A.M. Best	Yes US-based insurer: The Insurance Company Of Pennsylvania (AIG Group), rated "A++" by A.M. Best.	Yes US-based insurer: The Insurance Company Of Pennsylvania (AIG Group), rated "A++" by A.M. Best	Yes US-based insurer: Virginia Surety Co., rated "A-" by A.M. Best. (In NY, OR, & KS, the insurer is Lloyd's, London.)
See Buy Smart - Temporary for additional information.  Please confirm the actual wording in plan literature.

Question: Do all temporary international insurance plans contain the same features found here?
Answer: No! All temporary international insurance plans do NOT contain the same features.
* Many Temporary plans do NOT contain a minimum benefit period, as do the plans here.
* Many Temporary plans are NOT backed by insurers legally registered in most or all States.

NOTE: Another Temporary plan Inbound USA (separate page) is designed as a low-cost option for older travelers (60+) or for those concerned with "pre-existing conditions." Otherwise, the Temporary plans seen on this page are far more comprehensive and (we believe) better choices.

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All Temporary Plan Details Below
Compare:   Atlas Series  /  Diplomat Plans  /  Liaison International
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Atlas Series (opens in a new Window)

Atlas America is for non US-citizens traveling anywhere outside of their home country. For coverage details, click-on "Review Coverage" at the bottom of the quote page.

Atlas America - some potential advantages for you (see plan literature for details):

The Atlas plans contain no exclusion for travel for treatment. Therefore, follow-up treatment for a covered condition first diagnosed or treated while outside of your Home Country, will continue to be covered for the remainder of the Benefit Period, anywhere you wish, including back in your Home Country, if you so desire. (Note: upon arrival in your home country, the plan terminates, but your present covered condition continues to be covered per the policy for the balance of the plan's 6 month Benefit Period.)

  Treatment for Complications of Pregnancy during the first 26 weeks of pregnancy is covered under the Atlas Series of plans. Most other temporary heath and travel insurance plans exclude coverage for treatment of pregnancy related conditions.

Note to all Atlas America applicants: The plan administrator (MNUI). does not mail you an insurance packet, unless specifically requested. When purchasing on-line, you are asked if you want "on-line fulfillment?" Unless you click the drop-down box and select otherwise, you will not be mailed a policy certificate and ID. There is no additional charge if you select "US mail." In either case, please be sure to print your on-line insurance confirmation page and/or your e-mail insurance confirmation.

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Diplomat Plans (opens in a new Window)

1.  Diplomat America is for foreign nationals visiting the USA for one year or less.
2.  Diplomat International is for US-citizens traveling abroad for one year or less.
3.  Diplomat LT is for both US-citizens and non US-citizens who want renewable coverage (up to 36 months) and other outstanding plan features. There are 2 separate rate tables for travel that (1) includes, or (2) excludes the USA.

Diplomat America & Diplomat LT plan details. (All links open in a new Window.)

Click Here  to Calculate Your Premium and to Apply On-line (for all Diplomat plans).

Click Here  for information about the (A.M. Best rated "A++") US Insurance Company.

Diplomat International & Diplomat LT  - some potential advantages for you
(see plan literature for details):

  Diplomat Plans are insured by a US-regulated, A.M. Best "A++" rated insurance company.

  All Diplomat plans have a 52 week Benefit Period, as compared to 26 weeks (6 months) with most other temporary international plans.

  Emergency Medical Evacuation (up to $100,000) is a separate benefit that does not count towards the policy's medical maximum and is not subject to the "pre-existing" exclusion.

  Travel back to your home country for follow-up treatment of a covered injury or illness is NOT EXCLUDED if the Home Country Coverage option is elected. (Maximum Home Country medical amount is $75,000, see brochure for details.) The condition must have been first diagnosed or treated while outside of your home country. Note: upon arrival in your home country, the plan terminates, but your present covered condition continues to be covered per the policy for the balance of the plan's 52 week Benefit Period.

Note to Diplomat applicants: After completing your online application, a confirmation page will appear. This page may be printed to serve as your temporary insurance ID. An insurance packet is automatically mailed to your address of correspondence, normally with one business day of purchase. The packet will include your insurance policy, ID card, claim form, etc.

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Liaison International (opens in  a new Window)

For US visitors, open link and in the first question select "travel to include the U.S."

For all plan details, open link and about half way down the page, left-hand column, click-on either "View Program Summary" (pdf) or "View Brochure" (html).

Liaison International  - some potential advantages for you (see plan literature for details):

  Most time-flexible coverage. If you purchase online, you may renew coverage for the exact number of days you will need. (Only 5 days minimum purchase is required, $5 admin fee per renewal. You may purchase up to12 months at one time. Continuous Coverage is available for up to 3 years.)

  This plan is insured by a USA-domiciled insurer (Virginia Surety Co., rated "A-" by A.M. Best) that is fully regulated in 46 states and D.C.  (In NY, OR, NC & KS, the insurer is Lloyd's, London.)

  Emergency Medical Evacuation (up to $300,000) is a separate benefit that does not count towards the policy's medical maximum and is not subject to the "pre-existing" exclusion for medical benefits.

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Important Note Regarding Temporary Health & Travel Insurance Plans.

Temporary international insurance plans are for sudden and unexpected injury or illness while traveling away from your home country on a temporary basis. This insurance is not intended as a substitute for annual-renewable or "permanent" major medical health insurance.

However, these are not the same type of plans you might get from a travel agent either. These plans are typically much more comprehensive. Here is just a sample of the benefits contained in these plans. (See plan literature for details.)

Hospital
Intensive Care
Surgery
Outpatient Treatment
Prescription Drug
Dental due to Accident
Emergency Medical Evacuation
Repatriation of Mortal Remains
Emergency Reunion
Return of Minor Children
Accidental Death or Dismemberment
24-Hour International Assistance
Trip Interruption
Lost Baggage

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This is your best place for international insurance

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