Diplomat America vs RoundTrip Choice
RoundTrip Choice runs roughly $325 for a typical trip — noticeably less than Diplomat America at around $593. The question is whether the savings come at the cost of coverage you'll actually use. Below: every line that matters for a visiting parent.
Diplomat America edges out on coverage limit and direct billing at hospitals, taking 8 weighted points to RoundTrip Choice's 5. RoundTrip Choice still has the upper hand on lowest deductible and typical premium band, so it stays the right call when those matter more than the headline coverage.
Side-by-side: who wins what
| Feature | Diplomat America | RoundTrip Choice | Winner |
|---|---|---|---|
| Coverage limit | $1M | $250k | Diplomat America |
| Lowest deductible | $100 | - | RoundTrip Choice |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | No | Diplomat America |
| Hospital network size | Very large | Small | Diplomat America |
| Typical premium band | ~$593 | ~$325 | RoundTrip Choice |
| Avg claim settlement | 22 days | 24 days | |
| Age eligibility | 14-79 | 0-99 | RoundTrip Choice |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $500k | $500k | |
| 24×7 support | Yes | Yes |
Where they're the same
- Neither plan treats COVID as an exclusion; it's covered up to the standard medical limit on both.
- Both Seven Corners and Seven Corners keep a round-the-clock claims line, not just business hours.
- Neither plan is fixed-benefit; both reimburse real charges up to the medical limit, which is what you want for an unpredictable US bill.
Minimum 90-day policy; not economical for short visits.
Reimbursement-only (no direct billing); medical cap is lower than dedicated visitor plans.
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BackToIndia is independent — we don't sell Diplomat America or RoundTrip Choice and earn nothing from either Seven Corners or Seven Corners. Plan data is reviewed by our editorial team in 2026; always confirm specifics against the official policy wording before purchase.