Diplomat International Travel Medical Insurance
Review the Diplomat International Insurance for US residents who are traveling abroad outside the United States of America, this American visitor insurance meets Schengen visa consulate requirements for Europe Travel, and is available for a minimum duration of 5 days and up to a maximum of 180 days.
Review Diplomat International Insurance, or Diplomat International Travel Medical Insurance, which is a comprehensive travel medical protection and travel health coverage for US citizens traveling abroad and needing travel health coverage excluding America. The plan offers exceptional coverage for any U.S. travelers at competitive rates, with a focus on ensuring that your clients have the best protection they need wherever and whenever they travel. Diplomat International provides Accident and Sickness medical coverage, Accidental Death and Dismemberment benefits and Travel Assistance to individuals while traveling outside their Home Country, but not to the United States. Coverage is available for individual, spouse and unmarried dependent children, ages 14 days up to 18 years.
Diplomat International Insurance review of plan features and benefits covered:
- Travel Medical Insurance while traveling outside Home Country, excluding USA
- Competitive base rate pricing with the ability to customize plans with optional upgrades.
- Comprehensive plan that provides up to US$1,000,000 medical coverage
- Enhanced adventure activities and hazardous sports coverage rider available
- Non-Medical Emergency Transportation and Personal Security Evacuation
- Political and Natural Disaster Evacuation, and Search & Rescue.
- Senior citizens age 80+ can get US$50K policy medical coverage maximum
- No PPO network, any hospital or doctor can be consulted
- Coverage for age group of minimum of 14 days old onwards up to 80+ years
- Medical Evacuation and Emergency Reunion benefits included
- US$25,000 Accidental Death and Dismemberment benefits included
- Optional common carrier AD&D coverage
- Coverage for loss of baggage and personal effects
- Administrator offers superior claims capabilities and adjudication
COVID-19/SARS-CoV-2: COVID-19 will be treated as any other eligible illness. The epidemic/pandemic exclusion has been updated, including an exception for COVID-19, allowing for COVID-19 to be covered as any other eligible illness.
Review the Diplomat International Insurance Brochure for the summary of benefits table. If you prefer not to apply online using the form below, you can also print and complete paper application, mail/fax the Diplomat America Insurance Application along with premium payment, calculate the quoted rates using the supplied rate table. Also review the Diplomat International Insurance Description of Coverage document for plan details and more information including policy exclusions.
To purchase the policy, you need to apply online. Buy Diplomat International Insurance for exact term or coverage duration from 5 days up to nearly 6 months (180 days), as the policy is not renewable and you cannot extend expiration date for an existing policy.
Diplomat International Insurance is administered worldwide by Global Underwriters, and the policy underwritten by Nationwide Mutual Insurance Company based in Columbus, Ohio, rated “A” (Excellent) by A.M. Best. In WA state, coverage is underwritten by Nationwide Life Insurance Company and Nationwide Mutual Insurance Company.
Diplomat International Insurance Review
Diplomat International policy is designed for US residents who as international travelers and tourists visiting a foreign desitination country outside the USA. For more information on the coverages, please see the Description of Coverage or the Plan Brochure.
- Eligibility: US residents traveling outside the United States. Coverage is available to the primary insured, a second insured adult, unmarried dependent children, or even if children traveling alone.
- Duration: Minimum period of 5 days initial purchase, to maximum coverage duration of 180 days.
- Maximum Amount: Plan offers maximum coverage choices for travelers ages below 70 years: Plan A: $50,000, Plan B: $100,000, Plan C: $250,000, or Plan D: $500,000; amounts are for the life of the plan or coverage duration.
For travelers in the ages 70-79 years, maximum coverage is up to $100,000 (plans A and B only), and for travelers 80 years and older, coverage maximum is US$50,000 (plan A only). - Deductible: Choice of USD $0, $50, $100, $250, $500, $1000, or $2500 deductible (accumulated amount) per person per certificate plan period.
- Co-Insurance: No co-Insurance, the plan pays 100% to the Medical Maximum, after you pay up to the selected deductible first. There will be an additional $250 deductible for each emergency room visit as a result of a sickness/illness. The ER deductible will be waived if hospital admittance is within 12 hours of the incident.
- Pre-Existing Condition: $10,000 for unexpected acute-onset or recurrence of a Pre-Existing Condition with limited coverage is provided for Medical Expenses that result from a sudden and unforeseen recurrence of a Pre-existing Condition. Not available for residents of NH, NY, WA, MN, MO, MT, and OR states.
- Provider PPO Network: Diplomat International plan has no PPO network, visit any doctor or hospital.
- Emergency Medical Evacuation and Repatriation: $500,000 (Hospital Companion: $15,000)
- Return of Mortal Remains: $50,000
- Emergency Medical Reunion: $50,000
- Return of Minor Child: $50,000
- In Hospital Indemnity: For U.S. Citizens only, up to $100 per day of confinement up to a maximum of 10 days.
- Interruption of Trip: $5,000
- Loss of Baggage/Personal Items: Maximum Benefit of $1,000, Per Article Limit of $250, and Combined Article Limit of $500. Baggage Delay of $200.
- Emergency Dental Treatment: Accident: Usual & Customary expense covered, and Palliative: $500 for emergency treatment for the relief of pain to natural teeth. (Not available for residents of NH)
- Accidental Death and Dismemberment: $25,000
- Optional AD&D Enhancements – Common Carrier Choices $100,000; $250,000; $500,000 (if selected)
- Non-Medical Emergency Transportation: $25,000 (Not available for residents of NY and WA)
- Political and Natural Disaster Evacuation: $50,000
- Search and Rescue: $20,000 (Not available for residents of NY and OR)
- Travel Assistance: Travel assistance services are also available.
- Optional Plan Enhancements: Athletic & Hazardous Activity Benefit available for team and other dangerous sport activity as specified.
- Other Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs.
- Plan Brochure: Review the Diplomat International Plan Brochure for policy details.
- Certificate of Insurance: Review all the policy details available in the Diplomat International Insurance Certificate which is the detailed sample document of the master policy.
- Claims Form: Download and submit Diplomat International Claims form for reimbursement of incurred expenses.
- Quote/Buy Online: Get instant quote & Buy Diplomat International Insurance coverage online.
- Renew/Extend Coverage: Diplomat International Insurance coverage cannot be extended or renewed. Please remember to purchase this policy for the entire coverage duration desired, minimum of 5 days and a maximum up to 180 days. The policy terms also cannot be modified or terms altered after the coverage start date.
- Cancellation & Refund: Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee. Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.
- Administrator: Diplomat International is administered by Global Underwriters Inc.
- Underwriter: Diplomat International is underwritten by Nationwide Mutual Insurance Company, rated “A” (excellent) by A.M. Best. In WA, coverage is underwritten by Nationwide Life Insurance Company, and Nationwide Mutual Insurance Company.