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Frequently Asked Questions

Is the Coronavirus (COVID-19) covered?

The Diplomat America and Diplomat Long Term do not specifically exclude Covid-19, therefore it is treated the same as any other illness. The claim will be subject to all terms and conditions outlined in the policy plan provision. The coronavirus testing would be covered if ordered by a medical physician who deems it medically necessary, the insured fits the criteria for the test and the insured’s policy is active during the time of the testing. The medical expenses would be covered as well during the time of the policy, if the signs and symptoms started during the effective date of the policy and will be paid per the parameters of the policy. There is no trip cancellation coverage and Trip Interruption does not cover any conditions related to Covid-19.

Covid-19 is excluded on the Diplomat International plan. This plan does not cover any claim in any way caused by or resulting from:

a) Coronavirus disease (COVID-19);

b) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);

c) any mutation or variation of SARS-CoV-2;

d) any fear or threat of a), b) or c) above

What is a Deductible?
The Deductible is the amount of covered expenses which is your responsibility to pay before benefits under the plan are payable.

What is Coinsurance?
Coinsurance is the percentage amount of covered expenses, after the Deductible, which is your responsibility to pay.

Where do I put my agent information?
The agent information (name, phone, and email) is collected on the first page when obtaining a quote. This is the only location this information can be provided.

Do you need passport information for all members of my family?
No, passport information will only be collected for the primary insured.

What is a Beneficiary?
A Beneficiary is the person named by the policy holder to receive the Accidental Death Benefit should this benefit be payable. This may be any person chosen by the policy holder.

Why do I need to designate a beneficiary?
We offer an Accident Death & Dismemberment (AD&D) benefit on our policies. This is accident life insurance, so you will need to name a beneficiary to receive this benefit.

Can I pay by check instead of a credit card?
Yes, you can either request a paper application or complete the online process and choose the option ‘printing out your policy request’ on the payment page and following the provided instructions.

When is the latest I can purchase a policy before I leave on my trip?
If purchased online, policies can be purchased up until the day before your trip departure or desired effective date.

What’s the difference between all of the plans for the Diplomat products?
All of the Plans have the same standard benefits (i.e. Emergency Medical Evacuation, Repatriation, Emergency Reunion, Trip Interruption, etc.). The different plans, allow you to choose which Medical maximum benefit limit you would like. The medical maximum limit is what the policy will pay up to should you need to go to the doctor, urgent care or hospital.

Also, See Our Claims Frequently Asked Questions!

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