Diplomat International Highlights
- US Residents Traveling Inside or Outside the USA
- Coverage for up to 180 days
- Up to $500,000 in medical coverage
- Insurance for medical accident and sickness, Emergency Dental, Emergency Medical Evacuation, Hospital Companion, Repatriation of Remains, Trip Interruption, Trip Delay, AD&D Benefits, Non-Medical Evacuation, Search & Rescue, Lost Baggage, and Baggage Delay
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
Coverage will begin on the latest of the following:
- The effective date shown on your policy, for which premium has been paid; or
- Your departure from your home residence.
Expiration Date
Coverage will end on the earlier of the following:
- The termination date shown on your policy, for which premium has been paid; or
- Your permanent return to your home residence.
Premium Refund
Refund of premium, less a $25 processing fee, will be considered only if written request is received by the administrator prior to the effective date of coverage. After that date, the premium is considered fully earned and non-refundable. Partial refunds are not available.
Not Renewable
Coverage under this plan is not renewable. This plan can only be purchased prior to departing your home residence.
Quick Glance Benefits Summary
| Benefits | Maximum Benefit Amount |
|---|---|
| Accident and Sickness Medical Expense | $50,000; $100,000; $250,000; $500,000 |
| Dental Expense | $500 (Not available for residents of NH) |
| Deductible | $0; $50; $100; $250; $500; $1,000; $2,500 |
| Accidental Death & Dismemberment | $25,000 |
| Emergency Evacuation | $500,000 |
| Hospital Companion | $15,000 |
| Acute Onset of Pre-Existing Condition | $10,000 (Not for residents of NH, NY, WA, MN, MO, MT, and OR) |
| Personal Items Coverage | |
| Baggage/Personal Effects | $1,000 ($250 per article, $500 combined limit) |
| Baggage Delay | $200 |
| Trip Coverage | |
| Trip Interruption | $5,000 |
| Trip Delay | $2,000 ($200 per day) |
| Other Coverage | |
| Repatriation of Remains | $50,000 |
| Non-Medical Emergency Transportation | $25,000 (Not available for residents of NY and WA) |
| Search and Rescue | $20,000 (Not available for residents of NY and OR) |
| Optional Coverages | |
| Optional AD&D – Common Carrier | $100,000; $250,000; $500,000 (If Selected) |
| Optional Adventure Sports | Up to Medical Maximum (If Selected) |
| Optional Bodily Contact, Interscholastic & Organized Sports | $25,000 (If Selected) |
| Optional Extreme Sports | $25,000 (If Selected) |
Optional Upgrades
Adventure Sports
If You purchase this optional benefit, and if You suffer a Loss due to an Accidental Injury while practicing, training for, or participating in Adventure Sports as defined, such activities will not be excluded under LIMITATIONS AND EXCLUSIONS, and You have access to benefits outlined in this Certificate up to the Maximum Benefit subject to any applicable sub-limit shown on the Schedule of Benefits for Adventure Sports.
Adventure Sports means non-professional and non-competitive sports activities that are generally performed for recreation and leisure, and which are not a Bodily Contact Sport, Extreme Sport, Interscholastic Sport, Organized Sport or Mountaineering. Adventure Sports include but are not limited to: cycling, fishing, swimming, scuba diving for certified divers up to a maximum depth of sixty (60) feet and for uncertified divers up to a maximum depth of thirty (30) feet, snorkeling, white or black water rafting Grades 1-3, canoeing, kayaking, zip-lining, water skiing, camping, hiking, backpacking, sailing, boating, downhill Skiing, cross country Skiing, snowboarding, snowmobiling, sledding or tobogganing, snow tubing, ice skating, resort-sponsored activities, and approved activities of the Travel Supplier.
Bodily Contact, Interscholastic, and Organized Sports
If You purchase this optional benefit, and if You suffer a Loss due to an Accidental Injury while practicing, training for, or participating in Bodily Contact Sports, Interscholastic Sports, or Organized Sports as defined, such activities will not be excluded under LIMITATIONS AND EXCLUSIONS, and You have access to benefits outlined in this Certificate up to the Maximum Benefit subject to any applicable sub-limit shown on the Schedule of Benefits for Bodily Contact Sports, Interscholastic Sports, or Organized Sports.
Bodily Contact Sports means any competitive team sport in which players or participants may have direct physical contact with an opponent. Bodily Contact Sports include but are not limited to: football, soccer, baseball, wrestling, ice hockey, rugby and lacrosse. Bodily Contact Sports do not include Adventure Sports, Extreme Sports, Interscholastic Sports, Organized Sports or Mountaineering.
Interscholastic Sports means any athletic contest or competition between accredited educational institutions if the participants are sponsored by the educational institution and are under the direct and immediate supervision of an employee of the educational institution. Interscholastic Sports includes the practice or training for the competition and the travel to or from such practice or competition in a vehicle designated by the educational institution, both while under the direct and immediate supervision of an employee of the educational institution. Interscholastic Sports do not include Adventure Sports, Bodily Contact Sports, Extreme Sports, Intramural Sports, Recreational Sports, club sports or Mountaineering.
Organized Sports means Intramural Sports or Recreational Sports.
Extreme Sports
If You purchase this optional benefit, and if You suffer a Loss due to an Accidental Injury while practicing, training for, or participating in Extreme Sports as defined, such activities will not be excluded under LIMITATIONS AND EXCLUSIONS, and You have access to benefits outlined in this Certificate up to the Maximum Benefit subject to any applicable sub-limit shown on the Schedule of Benefits for Extreme Sports.
Extreme Sports means any high-risk non-team sport or recreation activity that is dangerous and if performed optimally, even by the highly skilled, risks loss of life or limb. Extreme Sports often involve speed, height, a high level of physical exertion and/or highly specialized gear. Extreme Sports include but are not limited to: skydiving, BASE jumping, hang gliding, Parachuting, bungee jumping, caving, rappelling, spelunking, white or black water rafting above Grade 3, Skiing or snowboarding outside marked trails or in an area accessed by helicopter, Mountaineering, Rock Climbing, any high‐altitude activity, personal combat or fighting sports, rodeo, racing or practicing to race any motorized vehicle, bicycle or watercraft, free diving, and scuba diving at a depth greater than sixty (60) feet or without a dive master. Extreme Sports do not include Adventure Sports, Bodily Contact Sports, Interscholastic Sports or Organized Sports.
Optional COMMON CARRIER Accidental Death and Dismemberment
If You purchase this optional benefit, the following coverage is available to You. The Company will pay benefits for Accidental Injuries resulting in a Loss, as described in the Table of Losses below, that occurs while You are riding as a passenger in or on, boarding or alighting from, any conveyance operated under a license for the transportation of passengers for hire during the Trip. The Loss must occur within one hundred eighty (180) days after the date of the Accident causing the Loss.
Diplomat International Rates
| With $250 deductible | ||||
|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | |
| Up to Age 21 | $0.87 | $0.93 | $0.96 | $0.98 |
| 22-29 | $1.28 | $1.38 | $1.42 | $1.45 |
| 30-39 | $1.51 | $1.63 | $1.68 | $1.71 |
| 40-49 | $2.62 | $2.81 | $2.90 | $2.96 |
| 50-59 | $4.54 | $4.89 | $5.03 | $5.14 |
| 60-64 | $5.69 | $6.12 | $6.29 | $6.43 |
| 65-69 | $6.65 | $7.15 | $7.36 | $7.52 |
| 70-79 | $10.01 | $10.77 | N/A | N/A |
| 80 and older | $17.53 | N/A | N/A | N/A |
Deductible Options
| Deductible | $0 | $50 | $100 | $250 | $500 | $1,000 | $2,500 |
|---|---|---|---|---|---|---|---|
| Rate Factor | 1.3 | 1.2 | 1.1 | 1 | 0.9 | 0.8 | 0.7 |
Administrator
Global Underwriters Agency, Inc.3195 Linwood Avenue, Suite 201
Cincinnati, Ohio 45208
Underwriter
Diplomat International is Underwritten by Nationwide Mutual Insurance Company.
FOR ADDITIONAL INFORMATION
Healthwhiz Solutions,Inc.700 W Carl Ave
North Baldwin, NY 11510
United States
Phone: 516-223-0704
Website: healthwhizsolutions.brokersnexus.com
Version:
5/28/2025