Diplomat Long Term travel Insurance

• For treatment received outside the U.S : No coinsurance.
• For treatment received within the U.S :

• Inside of the United States: The plan pays 80% up to $5,000 of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit as a result of an Illness is available. The emergency room deductible will be waived if hospital admittance is within 12 hours of the incident.
• Outside of the United States: The plan pays 100% to the medical maximum outside USA and Canada.

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

• Home Country Coverage Rider
  × Home Country Coverage Rider

  • Offers limited coverage while in the home country.The plans pays 80% up to $50k of the covered expenses, then 100% to a maximum of $50k for incidental trips to home country or $10k for extension of benefits.

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• Enhanced Political and Natural Disaster Evacuation Rider
  × Enhanced Political and Natural Disaster Evacuation Rider

  • Coverage provided by this rider is up to $50k

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• War Risk Coverage
  × War Risk Coverage

  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.

  • Available outside the USA
  • War Risk Area 1 (High War Risk – coverage is mandatory – covers your travels to countries in War Risk Areas 1, 2, and 3)
  • Algeria, Cameroon, Iraq, Libya, Nigeria, North Korea, Pakistan, 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, 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. (Except for countries not eligible on the policy.)
  • 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.

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• Additional AD&D
  × Additional AD&D

  • 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.

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• Athletic and Hazardous Activity Rider
  × Athletic and Hazardous Activity Rider

  • The medical maximum provided is reduced to $20,000 for any illness or injury incurred from any athletic sport & hazardous activity not expressly covered here under is excluded from this policy unless the activity is non-contact and engaged in by you solely for leisure, recreation, entertainment, or fitness purposes only.
  • For the below listed activities apply the 1.25 factor to the base premium: Bobsledding; Bungee Jumping; Canopying; Hang Gliding; HeliJskiing; Horseback Riding; Jet, Snow, and Water Skiing; Kayaking; Martial Arts; Motorcycling & Motor Scooter; Mountain Biking; Mountain Climbing (under 14,000 feet); Paragliding; Parasailing; Piloting any NonJcommercial Aircraft; Safari; Scuba Diving, Skydiving; Snowboarding; Snowmobiling; Spelunking; Surfing; Trekking; Whitewater Rafting (up to and including Class V Rapid only); Wind Surfing; Zip Lining.
  • For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:
    • Low-Option additional $25.00 flat monthly rate: Arial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any Chartered or Leased Aircraft or Helicopter.
    • High-Option additional $50.00 flat monthly rate: Diving with Sharks; Mountain Climbing (if over 14 thousand feet, guide required); Running with Bulls; Safari & Big Game Hunting (use of firearms); Security Detail (use of firearms).
  • For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:
    • Low-Option additional $12.00 flat monthly rate: Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo Horse; Polo Water; Softball; Swimming; Tennis; Track and Field; Volleyball.
    • Middle-Option additional $26.00 flat monthly rate: Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Lacrosse; Martial Arts; Skiing (Slalom, Giant Slalom, Downhill); Wrestling.
    • High-Option additional $80.00 flat monthly rate: Football (no Division One); Gymnastics; Rugby; Soccer.

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