Diplomat International

Schedule of Benefits

For more information on the below coverages, please see the Description of Coverage or the Plan Documents.

This plan is PRIMARY for all coverages for residents of all states except MO and OR (The plan is excess for all coverages for MO and OR).

*Some benefits are not available in all states. Please refer to the state specific plan document for details.

For more information on the above coverages, please see the Description of Coverage or the Plan Documents.

*Some benefits are not available in all states. Please refer to the state specific plan document for details.

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Period of Coverage

The minimum period of coverage that can be purchased under this plan is 5 days and the maximum period of coverage is 180 days. Coverage is based on a per day rate.

EFFECTIVE DATE

When Coverage Begins:

• Trip Cancellation: Coverage begins on the following, and shall be known as the Effective Date and time for these coverages: at 12:01am Eastern Standard Time (EST) on the day after the date the premium for this Policy to cover Your Trip is received by the administrator.
• Trip Interruption: Coverage begins when You depart on Your first scheduled Travel Arrangement (or, if You must use an alternate travel arrangement after Your Scheduled Departure Date to reach Your Trip destination, on the Scheduled Departure Date) for Your Trip. This is Your Effective Date and time for these coverages.
• All other coverages: Coverage begins at 12:01am Eastern Standard Time (EST) on the date when You depart on the first Travel Arrangement, or alternate travel arrangement if You must use an alternate Travel Arrangement to reach Your Trip destination, for Your Trip. This is Your Effective Date and time for all other coverages.
• In the event this Policy has been purchased without insuring any Pre-paid Trip Costs or purchased for post- departure benefits only, losses claimed under Baggage Damage or Loss and/or Emergency Accident and Sickness Medical Expense coverages will only be considered if the loss occurs more than two hundred fifty (250) miles away from Your or Your Traveling Companion’s Home, and more than twenty-four (24) hours after the purchase of this Policy.

EXPIRATION DATE

When Coverage Ends:

• Trip Cancellation: Coverage ends automatically on the earlier of: (1) the date and time You depart on Your Trip; or (2) the date and time You cancel Your Trip.
• All other coverages: Your coverage automatically ends on the earlier of:
  1. the date the Trip is completed.
  2. the Scheduled Return Date.
  3. Your arrival at Your Scheduled Return Destination on a round-trip, or the destination on a one-way trip. Or
  4. cancellation of the Trip covered by the Policy.

PREMIUM REFUND

All premium is refundable only during the ten (10) day review period from the date of Policy purchase (or from the date of receipt, if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure.

Description of Coverage

*The following is a summary of benefits. For more information and exclusions, please see the full policy document.

Emergency Accident and Sickness Medical

Benefits will be paid for Your covered reasonable and necessary Medical Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, subject to the following:

1. covered Medical Expenses will only be payable at the Usual and Customary level of charges;
2. benefits will be payable only for covered Medical Expenses resulting from a Sickness or an Injury that occurs while on Your Trip;
3. Medical Expenses to be considered are only those incurred by You during Your Trip. Medical Expenses incurred after You return from Your Trip are not covered.

Medical Expenses means the reasonable and necessary expenses incurred only for the following:

1. medical services (including charges for anesthetics, x-ray examinations or treatments, and laboratory tests) and supplies, prosthetics, prescription drugs, and therapeutic services ordered or prescribed by a Physician as Medically Necessary for examination and treatment;
2. Hospital, Urgent Care or ambulatory medical-surgical center services (including expenses for cruise ship cabin or hotel room, not already included in the cost of Your Trip, if bed rest or isolation is recommended by Your attending Physician and approved by Our Assistance Provider as a substitute for a Hospital room for recovery from Your Injury or Sickness);
3. Local Emergency Transportation from the location of Your Sickness or Injury to and/or from the treating medical facility; or
4. emergency dental treatment.

Acute Onset of a Pre-Existing Condition: We will pay a benefit, up to the sub-limit shown in the Schedule of Benefits, for Covered Medical Expenses incurred by You as a result of an Acute Onset of a Pre-existing Condition. The Acute Onset of a Pre-existing Condition must occur after Your Scheduled Departure Date. You must receive initial necessary treatment within twenty-four (24) hours of the Acute Onset of a Pre-existing Condition.

Policy Medical Maximum Choices (*some plan options are not available to all ages)
Plan A – $50,000
Plan B – $100,000
Plan C – $250,000
Plan D – $500,000

Medical Evacuation & Repatriation of Remains: This Benefit is payable, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the Covered Medical Evacuation & Repatriation of Remains Expenses listed below, incurred by You, subject to the following:

1. Covered Expenses will only be payable at the Usual and Customary level of payment; and
2. Benefits will be payable only for Covered Expenses listed below resulting from a Sickness, an Injury or death that occurs while on Your Trip.

For this benefit, Covered Medical Evacuation & Repatriation of Remains Expenses shall mean:

1. expenses incurred by You for Physician-ordered emergency evacuation including medically appropriate transportation and necessary medical care en route when You are critically ill or injured and no suitable local care is available; evacuation must be to the nearest suitable Hospital subject to Our prior approval or that of Our Assistance Provider.
2. expenses incurred for non-emergency repatriation, including medically appropriate transportation and medical care en route, to a Hospital or to Your Home, when deemed Medically Necessary by the attending Physician, subject to Our prior approval or that of Our Assistance Provider. In lieu of returning to Your Home, You may opt to be returned to a different city in the United States if proper care for Your condition is not available in Your Home city.
3. expenses for transportation (not to exceed the cost of one-way economy airfare to Your location), and expenses for reasonable hotel accommodations, meals, telephone calls and local transportation for one (1) person, up to the sub-limit in the Schedule of Benefits, if You expire or You are traveling alone, with a minor, or with a person incapable of providing support, and are, or Your Physician expects You to be, hospitalized for twenty-four (24) hours or more.
4. expenses for transportation (not to exceed the cost of one-way economy airfare (or similar class as the originally issued ticket) to Your Home, including Escort expenses, if You are under the age of eighteen (18) and are left unattended due to the death or hospitalization of Your accompanying adult(s), subject to Our prior approval or that of Our Assistance Provider.

Trip Interruption: If You must start Your Trip later than scheduled or are unable to complete Your Trip due to one of the covered Unforeseen reasons listed below, the Company will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the following:

1. unused, Pre-paid, nonrefundable Payments or Deposits You paid for Your Travel Arrangements insured under this Policy;
2. plus one of the following Transportation Expenses:

a. the Additional Transportation Cost for You to reach Your scheduled destination if Your departure is delayed and You leave on Your Trip after Your Scheduled Departure Date and time;
b. the Additional Transportation Cost for You to reach the Scheduled Return Destination of Your Trip; or
c. the Additional Transportation Cost for You to rejoin Your Trip in progress from the point where You interrupted Your Trip.

In no event shall the amount reimbursed for this benefit exceed the lesser of the Pre-paid Payments or Deposits made for Your Trip or the Maximum Benefit Amount shown in the Schedule of Benefits.

Trip Interruption must be due to one of the following Unforeseen reasons that occurs while this coverage is in effect for You:

1. Your, a Family Member’s or a Traveling Companion’s death that occurs after departure on Your Trip;
2. Your, a Family Member’s or a Traveling Companion’s covered Sickness or Injury that: (a) occurs while this coverage is in effect; (b) requires Medical Treatment by a Physician at the time of interruption; and (c) as certified by a Physician prior to interruption, results in medical restrictions so disabling as to prevent Your continued participation on the Trip;
3. Your or Your Traveling Companion’s Home or destination accommodations made Uninhabitable by fire, flood, other Natural Disaster, vandalism, or burglary within ten (10) days of departure;
4. You or Your Traveling Companion are the victim of a Verified Physical Assault (must be substantiated by a police report);
5. You or Your Traveling Companion are unable to continue on Your Trip due to You or Your Traveling Companion being Quarantined;
6. You or Your Traveling Companion are hijacked;
7. You or Your Traveling Companion are required to serve on a jury during the Trip dates or served with a court order to appear as a witness in legal action during the Trip in which You or Your Traveling Companion are not a party (except law enforcement officers). Notice must be received while on Your Trip.

Travel Delay: If You are delayed for twelve (12) hours or more while en route to or returning from Your Trip, due to a covered Travel Delay Event listed below, the Company reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the costs You pay for reasonable and necessary accommodations, meals, telephone calls and local transportation while You are delayed.

For this benefit, a covered Travel Delay Event shall mean:

1. any officially documented delay of Your Common Carrier;
2. a traffic accident in which You or Your Traveling Companion are directly involved while en route to departure (must be substantiated by a police report);
3. Your or Your Traveling Companion’s lost or stolen passport(s), visa(s) or travel documents (must be substantiated by a police report);
4. Quarantine, hijacking, Strike, Natural Disaster, Terrorist Incident, Cyber Terrorism, Civil Disorder or Riot;
5. a road closure due to severe weather or local transportation authority preventing You from getting to the point of departure for Your Trip (must be substantiated by the department of transportation, state police, etc.).

Non-Medical Emergency Transportation

• Political or Personal Security Evacuation: If You experience a Political or Personal Security Event as defined while on Your Trip, the Company will arrange and pay for the reasonable and necessary expense of moving and transporting You from an airport or other safe departure point designated by the Assistance Provider to the nearest safe and acceptable location, up to the Maximum Benefit Amount shown in the Schedule of Benefits.

Benefits are only provided if the Assistance Provider arranges or coordinates Your evacuation including the means, methods and timing. Arrangements will be made by the most appropriate and economical means available and consistent with Your health and safety. The event which causes Your need to be evacuated must occur while You are on Your Trip, and You must notify as soon as possible of Your request to be evacuated.

If evacuation becomes impractical due to hostile or dangerous conditions, the Assistance Provider will maintain contact with You and advise You until evacuation becomes viable or until the Political or Personal Security Event has abated or passed.

As a part of this benefit, the Assistance Provider will coordinate and/or arrange Your ground transportation to the designated airport or other safe departure point.

• Natural Disaster Evacuation: In the event a Natural Disaster occurs while on Your Trip, the Company will pay for the reasonable and necessary expense of moving and transporting You from an airport or other safe departure point designated by the Assistance Provider to the nearest safe and acceptable location, up to the Maximum Benefit Amount shown in the Schedule of Benefits.

Benefits are only provided to You if the Assistance Provider arranges or coordinates Your evacuation including the means, methods and timing. Arrangements will be made by the most appropriate and economical means available and consistent with Your health and safety. The event which causes Your need to be evacuated must occur while You are on Your Trip, and You must notify as soon as possible of Your request to be evacuated.

If evacuation becomes impractical due to hostile or dangerous conditions, the Assistance Provider will maintain contact with You and advise You until evacuation becomes viable or until the event has abated or passed.

As a part of this coverage, the Assistance Provider will coordinate and/or arrange Your ground transportation to the designated airport or other safe departure point.

• Verified Physical Assault Evacuation: If You are the victim of a Verified Physical Assault while on Your Trip, the Company will pay up to the Maximum Benefit Amount shown in the Schedule of Benefits for either:

1. 1. the economy-class transportation of one (1) person to join You on Your Trip for up to five (5) days if You do not intend to evacuate and interrupt Your Trip; or
   2. the economy-class transportation of one (1) person to join You temporarily on Your Trip for the purpose of escorting You on Your evacuation to Your Home Country.

Benefits are only provided to You if the Assistance Provider arranges or coordinates Your evacuation including the means, methods and timing. Arrangements will be made by the most appropriate and economical means available and consistent with Your health and safety. The Verified Physical Assault which causes Your need to be evacuated must occur while You are on Your Trip, and You must notify as soon as possible of Your request to be evacuated.

Search and Rescue: If You should become lost, disoriented, or reported missing while on the Trip during recreational activity that is appropriate for Your abilities and expertise, the Company will pay for the cost of one (1) organized Search and Rescue by the appropriate authorities, up to the Maximum Benefit Amount shown in the Schedule of Benefits.

We will not pay for any losses caused by or arising from:

1. heli-skiing;
2. extreme skiing;
3. payment in any way for fines, damages, penalties or litigation that may be imposed against You as a result of Your activities or actions; or
4. deliberately choosing to be absent.

Baggage Damage or Loss: The Company will reimburse You up to the Maximum Benefit Amount shown in the Schedule of Benefits less any Deductible for theft, damage or destruction of Your Baggage by a third party, or for Common Carrier loss, that occurs during Your Trip provided You have taken reasonable steps to protect, save and/or recover Your property at all times. A loss, damage or destruction report from the Common Carrier or responsible third party, or a police report filed at the time of the theft, must be provided to substantiate any claim for benefits.

Baggage Delay: The Company will reimburse You the Maximum Benefit Amount shown in the Schedule of Benefits for the Covered Expenses if Your checked Baggage is delayed or misdirected by a Common Carrier for twenty-four (24) hours or more from Your time of arrival at Your Trip destination (coverage is not applicable for Your arrival at Your Scheduled Return Destination).

Additional Parameters and Some Exclusions Apply

This is only a summary of benefits. For more information and exclusions, please see the full policy document.

AD&D Benefits

*The following is a summary of benefits. For more information and exclusions, please see the full policy document.

Accidental Death and Dismemberment (AD&D) – 24-Hour

Benefits are payable for the percentages indicated in the Table of Losses of the Maximum Benefit Amount shown in the Schedule of Benefits if You, as a result of an Injury caused by an Accident occurring during Your Trip. The Accident must result in a loss shown in the Table of Losses below. The loss must occur within the three hundred sixty-five (365) days after the date of the Injury causing the loss.

If more than one Loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained Loss shown in the Table of Losses.

EXPOSURE
Benefits for covered losses that result from You being unavoidably exposed to the elements because of an Accident occurring during Your Trip. The loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE
If, while on Your Trip, You are in an Accident resulting in the disappearance, sinking or damaging of a covered air or water conveyance on which You are traveling, and if Your body has not been found within three hundred sixty-five (365) days from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered a loss of life.

Additional Parameters and Some Exclusions Apply

This is only a summary of benefits. For more information and exclusions, please see the full policy document.

Optional Upgrades

*The following is a summary of benefits. Some optional upgrades are not available to residents of all states. For more information and exclusions, please see the full policy document.

Optional Trip Cancellation

The Trip Cancellation Upgrade provides benefits if you cancel your trip prior to departure due to one of the covered reasons on the policy. The Company will reimburse you up to the maximum benefit amount you choose for the amount of unused, non-refundable, pre-paid payments or deposits for the travel arrangements you purchased for your trip.

Payable benefit amounts are reduced by any refunds or reimbursements to which you are entitled from any travel supplier or provider of your travel arrangements, whether you requested reimbursement or not. In no event shall the amount reimbursed under this benefit exceed the lesser of the pre-paid payments or deposits made for your travel arrangements or the maximum benefit amount shown in the Schedule of Benefits.

There are two benefit amounts to choose from:

• Option 1: Cover $0 to $2,500 of the trip cost for each person on the policy; or
• Option 2: Cover $2,500 to $5,000 of the trip cost for each person on the policy.

Trip Cancellation must be due to one of the following Unforeseen reasons that occurs after the purchase of this Policy and while this coverage is in effect for You:

1. Your, a Family Member’s or a Traveling Companion’s death that occurs prior to departure on Your Trip;
2. Your, a Family Member’s or a Traveling Companion’s covered Sickness or Injury that: (a) occurs before departure on Your Trip; (b) requires the Medical Treatment by a Physician at the time of cancellation; and (c) as certified by a Physician prior to cancellation, results in medical restrictions so disabling as to cause You to cancel Your Trip;
3. Your Complications of Pregnancy, as verified by medical records, provided they begin after this coverage is in effect;
4. Your or Your Traveling Companion’s involuntary employment termination or layoff. Notification of the termination or layoff must occur thirty (30) days or more after this coverage is in effect. Employment must have been with the same employer for at least one (1) continuous year, including the date this Policy was purchased. This benefit is not available to independent contractors, temporary employees or self-employed individuals, or if You or Your Traveling Companion are a company owner or partner;
5. a transfer of employment of two hundred fifty (250) miles or more that requires the relocation of Your Home. Notification of the transfer must occur within thirty (30) days of the Scheduled Departure Date of Your Trip. Employment must have been with the same employer for at least one (1) continuous year, including the date this Policy was purchased;
6. Your or Your Traveling Companion’s revocation of previously granted military leave or reassignment of station. For revocation, official written notice by a supervisor or commanding officer of the original approval and the revocation must be provided. For reassignment, orders of relocation must be provided;
7. You or Your Traveling Companion are called into emergency service to provide aid or relief for a Natural Disaster as part of military, police, first responder, medical personnel or fire personnel duties;
8. mechanical breakdown of the Common Carrier on which You are scheduled to travel that causes a cancellation or delay of at least twenty-four (24) consecutive hours, preventing You from reaching Your destination;
9. Strike that causes complete cessation of services for at least twenty-four (24) consecutive hours of the Common Carrier on which You are scheduled to travel, preventing You from reaching Your destination;
10. Inclement Weather that causes complete cessation of services for at least twenty-four (24) consecutive hours of the Common Carrier on which You are scheduled to travel, preventing You from reaching Your destination;
11. Natural Disaster that causes complete cessation of services for at least twenty-four (24) consecutive hours of the Common Carrier on which You are scheduled to travel, preventing You from reaching Your destination;
12. Your or Your Traveling Companion’s Home made Uninhabitable by fire, flood, other Natural Disaster, vandalism, or burglary within ten (10) days of departure;
13. a Terrorist Incident that occurs within thirty (30) days of the Trip’s Scheduled Departure Date in a city listed on the Trip itinerary. No benefits are payable for Terrorist Incidents that occur in a layover city and/or a city on the Trip itinerary that shows a scheduled visit of six (6) hours or less. Benefits are not available if the Travel Supplier offers a substitute itinerary;
14. a government-mandated shutdown of an airport, air traffic control system, cruise port or train station for at least twenty-four (24) consecutive hours due to a fire, power outage, or Natural Disaster that prevents You from traveling on the Trip. Benefits are not available if alternate arrangements or a substitute route is available;
15. the airport terminal from which You are scheduled to fly is closed due to a documented security breach occurring within twelve (12) hours of Your arrival at the terminal or while You are physically at the terminal;
16. You or Your Traveling Companion are directly involved in a traffic accident while en route to the scheduled Trip point of departure (must be substantiated by a police report);
17. You or Your Traveling Companion are prevented from embarking on Your Trip due to You or Your Traveling Companion being Quarantined;
18. You or Your Traveling Companion are hijacked;
19. You or Your Traveling Companion are required to serve on a jury or served with a court order to appear as a witness in a legal action in which You or Your Traveling Companion are not a party (except law enforcement officers). Notice must be received after this coverage is in effect.

SPECIAL CONDITIONS: You must advise the Travel Supplier as soon as possible in the event of a cancellation and claim. We will not pay benefits for any additional charges incurred that would not have been charged had You notified the Travel Supplier within seventy-two (72) hours of the need to cancel.

Optional Coverage for certain Sports Activities:

You can choose to add any of the three sports options below:

Adventure Sports:

Leisure and non-professional sports activities including but not limited to the following: safari, bungee jumping, cave Diving, Diving below ten (10) meters, hang gliding, kite surfing, paragliding, parasailing, powerlifting, spelunking, sub-aqua pursuits involving underwater breathing apparatus, and surfing.

Bodily Contact, Interscholastic, and Organized Sports:

• • Bodily Contact Sports – any sport in which players may directly or indirectly have physical contact with an opponent including (but not limited to) football, wrestling, ice hockey, rugby, lacrosse, basketball, soccer, boxing, full contact karate, hurling and rodeo.
  • Interscholastic Sports – athletics which:

1. 1. 1. students compete with students from other schools;
      2. are administered by the school’s department of interscholastic athletics for which the eligibility of the participating student athlete is reviewed and certified in accordance with the applicable intercollegiate sports organization’s legislation, rules, or regulations; and
      3. entitles qualified participants to receive the participating school’s official awards.

• • Intrascholastic – athletics which:

1. 1. 1. are approved by the sports director or athletic director by the school;
      2. have teams formed and managed by students at the participating school, school administrators or volunteers without financial compensation;
      3. students compete with students from within the same school;
      4. take place within the walls, boundaries, or grounds of the participating school.

Extreme Sports:

An athletic pursuit that involves a high degree of danger or risk outside a controlled environment, such as BASE jumping, cliff diving, extreme skiing, fly-by-wire, heli-skiing, heli-snowboarding, Parachuting, rafting (white water or black water, Class III or higher), skiing outside marked trails, skydiving, and wing suit flying.

Optional COMMON CARRIER Accidental Death and Dismemberment

If You purchase this optional benefit, the following coverage is available to You. The Company will pay the percentage indicated in the Table of Losses below, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if You sustain an Injury caused by an Accident occurring during Your Trip. The Accident must occur while riding as a passenger in or on, boarding or alighting from, any public conveyance provided by a Common Carrier. The Accident must result in a loss shown in the Table of Losses below. The loss must occur within the one hundred eighty (180) days after the date of the Injury causing the loss.

If more than one loss is sustained as the result of an Accident, the amount payable shall be the largest amount of a sustained loss shown in the Table of Losses.

EXPOSURE
Benefits for covered losses that result from You being unavoidably exposed to the elements because of an Accident occurring during Your Trip. The loss must occur within three hundred sixty-five (365) days after the event that caused the exposure.

DISAPPEARANCE
If, while on Your Trip, You are in an Accident resulting in the disappearance, sinking or damaging of a covered air or water conveyance on which You are traveling, and if Your body has not been found within three hundred sixty-five (365) days from the date of the Accident, it will be presumed, unless there is evidence to the contrary, that You suffered a loss of life.

Additional Parameters and Some Exclusions Apply

This is only a summary of benefits. Some optional upgrades are not available to residents of all states. For more information and exclusions, please see the full policy document.

Claims

FOR FILING A CLAIM FOR THE DIPLOMAT INTERNATIONAL PLAN

Contact the Plan Administrator online at: https://cbpconnect.com
Toll Free: 888-352-3169
Direct Line: 727-725-7522
Mailing Address: Attention: Co-ordinated Benefit Plans
P.O. Box 26222
Tampa, FL 33623
Or E-mail your information to: AXISTravClaims@cbpinsure.com

IMPORTANT: To facilitate prompt claims settlement, You will be asked to provide proof of Your loss. Therefore, be sure to obtain the following as applicable:

1. For medical claims – detailed medical statements from treating physicians where and when the accident or Sickness occurred as well as receipts for medical services and supplies.
2. For baggage and baggage delay claims – reports from parties responsible (i.e., airline, cruise line, etc.) for loss, theft, damage, or delay. Some claims may also require a police report. Please obtain receipts for lost or damaged items.
3. For trip delay claims – a statement from the party causing the delay and receipts for expenses.
4. For cancellation/interruption claims – Your travel invoice, the cancellation or interruption date, original unused tickets/vouchers, the travel organizer’s cancellation clause with regard to nonrefundable losses. You will also be asked to provide proof of payment.

FAQ

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.

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 this policy before I leave on my trip? 
Policies can be purchased up until the day before your desired effective date.

Can I renew my coverage on this plan?
Coverage under this plan is not renewable.

Can I cancel my policy and get a refund of premium?
All premium is refundable only during the ten (10) day review period from the date of Policy purchase (or from the date of receipt, if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure.

Plan Documents

Diplomat International Plan Resources

Please select the policy document according to your state of residence:

*Please note: Residents of NY and WA are currently not eligible for the Diplomat International.

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 Diplomat International Policy Document (AL, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IN, KY, LA, MA, MD, ME, MI, MS, NC, ND, NE, NJ, NM, NV, OH, OK, RI, SC, SD, TN, VA, WI, WV)

 Diplomat International Policy Document (AK)

Diplomat International Policy Document (CA)

Diplomat International Policy Document (IL)

Diplomat International Policy Document (KS)

Diplomat International Policy Document (MN)

Diplomat International Policy Document (MO)

Diplomat International Policy Document (MT)

Diplomat International Policy Document (NH)

Diplomat International Policy Document (OR)

Diplomat International Policy Document (PA)

Diplomat International Policy Document (TX)

Diplomat International Policy Document (UT)

Diplomat International Policy Document (VT)

Diplomat International Policy Document (WY)

Is COVID-19 Covered?

Covid-19 insurance coverage is included on the Diplomat International policy. More information below.

The Diplomat International does 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.
• Vaccinations are not covered.

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Disclaimers

Diplomat International

Coverage is underwritten by AXIS Insurance Company under policy form series number TRVL-IND-001. AXIS Insurance Company, an Illinois property and casualty company, is licensed in all 50 states of the United States and the District of Columbia. Coverage is subject to exclusions and limitations and may not be available in all US states and jurisdictions. Product availability and plan design features, including eligibility requirements, descriptions of benefits, exclusions or limitations may vary depending on local country or U.S. state laws. Full terms and conditions of coverage, including effective dates of coverage, benefits, limitations, and exclusions, are set forth in the policy. Please check the product certificate or master policy for complete plan details and Schedule of Benefits.

THIS INSURANCE DOES NOT COORDINATE WITH ANY OTHER INSURANCE PLAN. IT DOES NOT PROVIDE MAJOR MEDICAL OR COMPREHENSIVE MEDICAL COVERAGE AND IS NOT DESIGNED TO REPLACE MAJOR MEDICAL INSURANCE. FURTHER, THIS INSURANCE IS NOT MINIMUM ESSENTIAL BENEFITS AS SET FORTH UNDER THE PATIENT PROTECTION AND AFFORDABLE CARE ACT.

Payment of claims under any policy issued shall only be made in full compliance with all economic or trade and sanction laws or regulations, including but not limited to, laws and regulations administered and enforced by the U.S. Treasury Department’s Office of Foreign Assets Control.

Additional services are provided by third-party agreements and are not insurance. These services include emergency, security, consulting and travel assistance services through On Call International.

View the AXIS Global Privacy Notice

View the AXIS General Disclosures

View the AXIS Fraud Notices

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