Medical Insurance for Travel Outside Your Home CountryGet a Quote
Our Diplomat Long Term plan is renewable and provides Accident and Sickness medical coverage and Accidental Death and Dismemberment (AD&D) benefits. This plan is designed for anyone traveling outside their home country for undetermined or extended periods of time. This plan also provides Emergency Medical Evacuation & Repatriation, 24-Hour Multilingual Worldwide Assistance Services (U.S. Board Certified Physicians on staff 24/7) and much more.
Our Diplomat Long Term plan provides Accident and Sickness medical coverage, Emergency Medical Evacuation coverage, Accidental Death and Dismemberment benefits, Travel Assistance and much more. This plan is designed for anyone traveling outside their home country for undetermined or extended periods of time. The flexibility and renew-ability of this plan makes it ideal for business and leisure travelers, expatriates, study abroad, work study programs, international exchange students, tourists, and church or missionary travelers.
Problem for U.S. Travelers: Most group and individual health plans sold in the United States provide limited (if any) coverage while traveling overseas. PPO’s do not extend their network’s abroad, so any difference in billing expenses or claims that are not considered eligible expenses will become the responsibility of the insured. Also, private U.S. health plans rarely provide emergency medical air evacuation and repatriation benefits back to your home country. Finally, Medicare provides no coverage outside the U.S. (see U.S. Passport for details).
Problem for Non-U.S. Citizens: Nationalized or government sponsored health plans rarely provide adequate medical coverage for illnesses or injuries sustained while traveling outside your home country. Some medical facilities could even deny services or demand up-front payment prior to admitting or treating a patient for certain medical conditions. Extreme sports, hazardous activities, emergency medical air evacuation and repatriation are usually not covered under nationalized health insurance schemes. Most travelers to the United States are innocently unaware of how expensive medical care and treatment can be in the U.S. Not to mention, that medical care in the U.S. is usually provided through HMO’s or managed care facilities, which may not recognize a “foreign insurance company” or government sponsored health plan.
Diplomat Long Term (LT) provides Accident and Sickness medical coverage, Accidental Death and Dismemberment benefits and Travel Assistance to Non-U.S. residents while visiting the United States or for those traveling internationally outside their home country. Coverage is available for 2 adults, any unmarried dependent children ages 14 days until their 18th birthday, or children traveling alone.
The minimum period of coverage that can be purchased under this plan is 3 months and the maximum period of coverage is 12 months. Coverage is based on a per month rate.
This Plan is Renewable: Additional coverage may be available for up to 12 months at a time, to a maximum of 36 consecutive months.
Coverage will begin on the latest of the following:
Coverage will end on the earlier of the following:
Refund of premium, less a $25 processing fee, will be considered only if written request is received by Global Underwriters prior to the effective date of coverage. After that date, the premium is considered fully earned and non-refundable. Partial refunds are not available.
All coverage, benefits and premiums are in U.S. Dollar amounts. If an Injury or Illness occurs during the Period of Coverage and the Insured Person requires medical or surgical treatment, this plan will pay the following Covered Expenses, up to the selected policy maximum. (Subject to the selected deductible and applicable co-insurance, and exclusions)
Covered Expenses – Expenses that are incurred for medical care and supplies which are: (a) necessary and customary; (b) prescribed by a Physician for the therapeutic treatment of a disablement; (c) are not excluded under the policy; (d) are not more than the Reasonable and Customary charges (as determined by the Company); and (e) are incurred within 365 days for U.S. Citizens or 180 days for Non-U.S. Citizens from the date of the disablement will be considered.
Policy Medical Maximum Choices
Persons up to age 69 are eligible for all plans;
Persons age 70-79 are limited to $100,000;
Persons age 80+ are limited to $20,000.
$0, $50, $100, $250, $500, $1,000, $2,500, $5000 per person per policy period.
Unexpected Recurrence of a Pre-Existing Condition (U.S. Citizens Only) – Limited coverage under Your Medical Expense Benefit is provided for Medical Expenses that result from a sudden and unforeseen recurrence of a Pre-existing Condition.
Emergency Medical Evacuation – Benefits are paid for Covered Expense incurred up to $500,000 for any covered Injury or Illness that requires immediate transportation from the place where You are located (due to inadequate medical facilities).
Repatriation – If it is determined by the Assistance Company and your Physician that it is Medically Necessary for You to return to Your primary place of residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred within 90 days from the date of the Covered Loss will be paid for Your return to Your Home Country or to a medical facility closest to Your primary place of residence.
Return of Mortal Remains – If death occurs, Benefits will be paid for Reasonable and Customary Covered Expenses to return Your remains to Your Home Country.
Emergency Medical Reunion – If it is determined by the Assistance Company and your Physician that it is necessary for You to have an Emergency Medical Evacuation, this Plan will arrange to bring an individual of Your choice, from Your current Home Country, to be at Your side while You are hospitalized and then accompany You during Your return home.
Return of Minor Child(ren) – Should the Insured Person be traveling alone with a Minor Child(ren) and be hospitalized because of a covered Illness or Injury and Your Minor Child(ren) is left unattended, the Assistance Company will arrange for a one way economy fare(s) to Your current Home Country.
In Hospital Indemnity (U.S. Citizens only) – If You are confined to a Hospital as a registered Inpatient as the result of an Illness or Injury which first occurs during Your Period of Coverage and that Illness or Injury is covered under this Plan, this plan will pay benefits up to $100 per day of confinement up to a maximum of 10 days.
Interruption of Trip – If Your trip is interrupted due to the Death of an Immediate Family Member or serious damage to your residence, benefits will be paid up to $5,000 for the Expense of economy travel less the value of applied credit from an unused return travel ticket to return You home to Your area of principal residence.
Loss of Baggage – This plan will reimburse You for loss, theft, or damage to Your baggage or personal effects checked with a Common Carrier, after coverage provided by a Common Carrier.
Political and Natural Disaster Evacuation – Coverage is provided up to $50,000 if the Insured requires emergency evacuation due to situations which place him/her in Imminent Bodily Harm or due to a Natural Disaster.
Emergency Dental Treatment (Accident) – Benefits are paid for Reasonable and Customary Expense for emergency Dental Treatment to natural teeth.
Emergency Dental Treatment (Palliative) – Benefits are paid up to $100 for emergency Treatment for the relief of pain to natural teeth.
*Some Exclusions Apply*
View the full Diplomat Long Term Description of Coverage.
Accidental Death, Dismemberment, Loss of Sight, and Speech and Hearing – The amount of the Principal Sum is $25,000 (unless the Enhanced AD&D Benefit is purchased). Enhanced AD&D Benefit (If Benefit Purchased) – The Principal Sum is increased from $25,000 to the selected amount not to exceed $1,000,000 of coverage. The Enhanced AD&D Benefit is not available to children under 18 years of age.
If within 365 days after the date of a covered accident, the Insured Person’s Injury results in death or dismemberment, this Plan provides the following benefits for loss of:
|Description of Loss||Indemnity|
|Both Hands or Both Feet or Sight of Both Eyes||Principal Sum|
|One Hand and One Foot||Principal Sum|
|Either Hand or Foot and Sight of One Eye||Principal Sum|
|Either Hand or Foot or Sight of One Eye||One-Half the Principal Sum|
Paralysis Benefit – If the Accident or Injury renders a Plan Participant Paralyzed within 365 days of the date of the Injury, in any one of the types of paralysis specified below, The Company will pay up to a maximum of $25,000 as follows:
|Type of Paralysis (Loss)||Indemnity|
Coma Benefit – If a covered Injury renders an Insured Person Comatose within 90 days of the date of the accident that caused the Injury, and if the Coma continues for a period of 30 consecutive days, The Company will pay a monthly benefit equal to 1% of the maximum amount.
Seat Belt and Airbag Benefit – The Company will pay a benefit if the Insured Person suffers accidental death while operating, or riding as a passenger in an Automobile and he/she was wearing a properly fastened seat belt, properly installed by a factory authorized dealer and was positioned in a seat protected by a properly functioning Supplemental Restraint System, properly installed by a factory authorized dealer that inflates on impact.
Felonious Assault Benefit – The Company will pay a benefit if an Insured Person suffers one or more losses for which benefits are payable under the Accidental Dismemberment Benefit or Coma Benefit provided by the plan as a result of a Felonious Assault.
Home Alteration and Vehicle Modification – The Company will pay Covered Home Alteration and Vehicle Modification Expenses that are incurred within one year after the date of the accident causing such loss(es).
*Some Exclusions Apply*
View the full Diplomat Long Term Description of Coverage.
*SEE BELOW FOR MORE DETAILS*
The Athletic Sports & Hazardous Activity Rider provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities. The insured can purchase coverage, with the payment of additional premium, from specific bundled options of Athletic Sports & Hazardous Activities.
FOR: Athletic Sports & Hazardous Activities that are
NOT: Intercollegiate or Interscholastic Athletics; Club Sports; or Organized Amateur Sports. Under this coverage, covered expenses are payable to the policy maximums.
BMX; Bobsledding; Bungee Jumping; Canoeing/Kayaking; Canopying; Cave tubing; Hang Gliding; Horseback Riding; Hot Air Ballooning; Jet Skiing; Martial Arts/Karate (Non-competitive); Motor Scooter; Motorcycling; Mountain Biking; Piloting any Non-commercial Aircraft; Safari; Scuba Diving (Not to exceed 30 feet, Resort Course or equivalent required); Snow Skiing (Recreational); Snowboarding (Recreational); Snowmobiling; Spelunking/Caving; Surfing (Recreational); Trekking (Not exceeding Class IV Difficulty on Yosemite Decimal System); Wakeboarding; Water skiing; Whitewater Rafting (Class I through V rapids); Wind Surfing; Zip Lining.
Aerial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any chartered/leased aircraft or helicopter; Heli-skiing; High Diving; Hot Air Ballooning (As a pilot); Mountain Climbing (14,000 ft. & below – Ropes & proper safety equipment required); Parachuting; Paragliding; Parasailing; Parascending; Rock Climbing (Ropes & proper safety equipment required); Scuba Diving (Below 30 feet, PADI/NAUI Certification required, or insured must be accompanied by a certified diving instructor); Skydiving; Snow Skiing Off-Piste.
Big Game Hunting (Use of Firearms); Diving with Sharks; Mountain Climbing (14,000 ft. & above – Ropes, proper safety equipment & certified guide required); Running with the Bulls; Security Detail (use of firearms).
FOR: Intercollegiate or Interscholastic Athletics; Club Sports; or Organized Amateur Sports. Under this coverage, covered expenses under the medical maximum are limited to $20,000.
Ballet; Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo (Horse); Polo (Water); Rowing; Softball; Surfing; Swimming; Tennis; Track & Field; Volleyball.
Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Inline Skating (Helmet & Proper Equipment Required); Lacrosse; Martial Arts/Karate; Modern Pentathlon; Skiing (Slalom, Giant Slalom, Downhill); Ski Jumping; Wrestling.
Football (No Division One); Gymnastics; Rugby (No Division One); Soccer.
Purchase up to $1,000,000 of 24-hour Accidental Death & Dismemberment coverage. Benefits and exclusions are the same as base plan.
Excess Benefits – All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance.
Incidental Trips to Your Home Country: This benefit covers you for incidental trips to your Home Country (60 days per 12 months of purchased coverage or pro rata thereof – example: approximately 5 days per month of purchased coverage). Maximum benefit is reduced to $50,000 for any illness or injury occurring while on an incidental trip to your Home Country. Follow Me Home Coverage: This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country (Does not apply for Emergency Evacuation or Repatriation).
In consideration of the payment of premium calculated in the manner stated in the policy to which the rider is attached, it is hereby agreed that for additional premium the policy is amended as follows: Any Exclusion under this Plan for “declared or undeclared war or any act thereof” is waived for an Insured Person’s loss caused in whole or in part by, or resulting in whole or in part from, declared or undeclared war or any act of declared or undeclared war, subject to the following restriction: The waiver only applies with respect to accidents that occur within the geographic limits or territorial waters of, or airspace above the geographic limits or territorial waters of a Designated War Risk Territory (as defined herein). War Risk Coverage in a high risk country (listed below) requires payment of an additional premium and advance notice of travel. Termination Date- War Risk Coverage ends on the earliest of: (1) the date the Policy terminates; (2) the date specified in the Company’s written notice to the Policyholder or Participating Organization of the Company’s intent to terminate War Risk Coverage (or 10 days after the date the written notice is received by the Policyholder or Participating Organization, if later).Termination of War Risk Coverage will not affect a claim for a covered loss that occurred while War Risk Coverage was in effect.
War Risk Area 1 (High War Risk – coverage is mandatory – covers your travels to countries in War Risk Areas 1, 2, and 3)
Afghanistan, Algeria, Cameroon, Iraq, Israel, Libya, Nigeria, North Korea, Pakistan, Palestinian Territories, Russian Federation (North Caucasus Region of Russia), Saudi Arabia, Somalia, Syria, Ukraine and Yemen.
War Risk Area 2 (Medium War Risk – coverage is highly recommended – covers your travels to countries in War Risk Areas 2 and 3)
Armenia, Azerbaijan, Bahrain, Bangladesh, Bolivia, Burma, Burundi, Central African Republic, Chad, Colombia, Dem. Republic of Congo, East Timor, Egypt, Eritrea, Haiti, India (Jammu, Kashmir and Mumbai), Indonesia, Ivory Coast, Kenya, Kyrgyzstan, Lebanon, Liberia, Mali, Mauritania, Mexico, Nepal, Niger, Oman, Papua New Guinea, Philippines, Qatar, Sierra Leone, South Sudan, Sri Lanka, Sudan, Uzbekistan, Venezuela and Zimbabwe.
War Risk Area 3 (Low War Risk – recommended – covers your travels to countries in War Risk Area 3)
All other countries not listed in Area 1 or Area 2 locations.
Country Specific Information – We provide Country Specific Information for every country of the world. For each country, you will find information like the location of the U.S. embassy and any consular offices; whether you need a visa; crime and security information; health and medical conditions; drug penalties; and localized hot spots. This is a good place to start learning about where you are going.
Changes in Terms and Conditions – The terms and conditions of War Risk Coverage, including but not limited to the definition of the Designated War Risk Territory(ies), may be changed at any time to reflect conditions that, in the opinion of the Company, constitute a change in the war risk exposure of the Participating Organization or the Insured Person.
View our Claims Frequently Asked Questions.
Global Claims Administration
3195 Linwood Avenue, Suite 201
Cincinnati OH 45208
*All attachments sent to the claims email must be in PDF format.
Inside U.S. and Canada: 800-513-2981
Outside U.S. and Canada: 513-533-1330
Claim Forms – The Company, upon receipt of a written notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice, the claimant shall be deemed to have complied with the requirements of this Plan by submitting, within the time fixed in this Plan for filing proofs of loss, written proof showing the occurrence, nature and extent of the loss for which claim is made. View Claim Forms
Proofs of Loss – Written proof of loss must be furnished to The Company at its said office in case of claim for loss for which this plan provides any periodic payment contingent upon continuing loss within 90 days after termination of each period for which The Company is liable and in case of claim for any other loss within 90 days after the date of such loss. Failure to furnish proof within the time required shall not invalidate nor reduce any claim if it is not reasonably possible to give proof within such time, provided proof is furnished as soon as reasonably possible.
Time of Payment of Claims – Indemnities payable under the plan for any loss other than loss for which the plan provides any periodic will be paid immediately upon receipt of due written proof of such loss. Subject to due written proof of loss, all accrued indemnities for loss for which the plan provides periodic payment will be paid at the expiration of each four weeks during the continuance of the period for which The Company is liable, and any balance remaining unpaid upon the termination of liability will be paid immediately upon receipt of due written proof.
Payment of Claims – Indemnity for loss of life will be payable in accordance without the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the Insured Person. Any other accrued indemnities unpaid at the Insured Person’s death may, at the option of The Company, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the Insured Person. If any indemnity of the policy shall be payable to the estate of an Insured Person, or to an Insured Person who is a minor or otherwise not competent to give a valid release, The Company may pay such indemnity, up to an amount not exceeding $1000 to any relative by blood or connection by marriage of the Insured Person who is deemed by The Company to be equitably entitled thereto. Any payment made by The Company in good faith pursuant to this provision shall fully discharge The Company to the extent of such payment. Subject to any written direction of the Insured Person all or a portion of any indemnities provided by this plan on account of Hospital, nursing, medical or surgical service may, at The Company’s option and unless the Insured Person requests otherwise in writing not later than at the time for filing proof of such loss, be paid directly to the Hospital or person rendering such services, but it is not required that the service be rendered by a particular Hospital or person.
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.
What’s the difference between all of the plans for this product?
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.
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 this policy before I leave on my trip?
Policies can be purchased up until the day before your trip departure or desired effective date.
Can I renew my coverage on this plan?
Coverage is renewable for this plan. Additional coverage may be available for up to 12 months at a time, to a maximum of 36 consecutive months.
Can I cancel my policy and get a refund of premium?
Less a $25 processing fee, a refund will be considered only when a written request is received by Global Underwriters Agency prior to the effective date of individual coverage. After the effective date of individual coverage, premium is considered fully earned and non-refundable. Partial refunds are not available.
The Diplomat Long Term 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.
“I am profoundly grateful for the prompt and courteous assistance that Global Underwriters provided to me. I will most definitely contact your Company again to purchase the appropriate coverage.”
- Richard (Seattle, WA)