Medical Coverage

• Hospital room and board, intensive care, and miscellaneous hospital expenses
• Surgical, anesthesia, and assistant surgeon expenses
• Outpatient treatment, physician visits, and specialist consultations
• Prescription drugs (30-day supply per prescription)
• Diagnostic X-ray and laboratory benefits
• Physiotherapy — up to $50 per visit, 10 visits maximum; chiropractic care up to $50 per visit, 10 visits maximum
• Ambulance benefit
• Durable medical equipment
• Artificial limbs, eyes, larynx, and orthotic appliances
• Hotel room charge when hospital room is unavailable and the insured is under physician care

Emergency Services

• Emergency Medical Evacuation — transportation to the nearest adequate medical facility when local care is insufficient; up to $250,000; subject to pre-approval by the authorized Travel Assistance Company
• Emergency Medical Repatriation — medically necessary return to your Home Country or nearest capable facility, within 90 days of the covered loss
• Return of Mortal Remains — preparation and transportation of remains to your Home Country
• Emergency Medical Reunion — round-trip economy airfare plus reasonable travel and accommodation expenses for one person of your choice, when hospitalized for more than 5 days; up to 10 days including travel; must be pre-approved and arranged by the Travel Assistance Company
• Return of Minor Child(ren) — one-way economy fares and escort services (if necessary) to return unattended minor children to their Home Country
• Political Evacuation — transportation to the nearest safe location when your host country issues a departure recommendation or imminent bodily harm exists; no benefit payable if a U.S. State Department Level 4 Advisory is in effect within 30 days of arrival
• Natural Disaster Evacuation — evacuation from a safe departure point when your location is rendered uninhabitable; includes up to $100/day for up to 5 days of safe-haven lodging; one-way economy airfare home; combined maximum of $5,000; must occur within 14 days of the covered event
• Incidental Trips — up to 15 days of coverage for temporary travel to Canada, Mexico, or the Caribbean Islands (does not extend coverage to your Home Country or beyond the policy end date)

Accidental Death & Dismemberment

• $25,000 Principal Sum (base); enhanced AD&D available up to $100,000
• Covers loss of life, both hands or feet, sight of both eyes, one hand and foot combined, either hand/foot and sight of one eye, speech and hearing in both ears, and partial losses
• Loss must occur within 365 days of the covered accident
• Paralysis Benefit: up to $25,000 for quadriplegia, paraplegia, hemiplegia, or uniplegia
• Coma Benefit: $250/month after 30 consecutive days of coma, up to $25,000 total
• Seat Belt & Airbag Benefit: additional $25,000 when seat belt and properly installed airbag are both in use at the time of the accident
• Felonious Assault Benefit: additional $25,000 for losses resulting from a violent criminal act
• Home Alteration & Vehicle Modification: covers necessary wheelchair-accessibility modifications to your residence or vehicle following a covered loss

Trip & Baggage Benefits

• Interruption of Trip — up to $5,000 for early return due to death of an Immediate Family Member, or uninhabitable residence caused by fire, flood, burglary, or Natural Disaster (within 30 days of the event)
• Loss of Baggage — up to $250 total ($50 per article) for lost, stolen, or damaged checked baggage

Dental

• Emergency Dental Treatment (Accident) — covers emergency treatment to natural teeth injured in a covered accident; must be treated during the trip; subject to Schedule of Benefits
• Emergency Dental Treatment (Palliative) — up to $100 for emergency pain relief treatment to natural teeth

Pre-Existing Conditions

• Acute Onset of a Pre-Existing Condition — covered for non-U.S. citizens under age 70 traveling in the United States; must be sudden, unexpected, and without advance warning; initial treatment must be obtained within 24 hours; does not apply to chronic or congenital conditions that gradually worsen; not available for ages 70+
• Pre-existing conditions (as defined under the plan's 24-month lookback) are otherwise excluded

COVID-19

Not specifically excluded — treated the same as any other illness under the plan's terms and conditions. Testing covered when ordered by a physician and deemed medically necessary. Trip Interruption does not cover COVID-19-related conditions. Vaccinations not covered.

The Diplomat America plan is purpose-built for non-U.S. residents coming to the United States — whether for a few weeks or up to a year. It directly addresses the reality that U.S. healthcare is among the most expensive in the world, and that most foreign health plans and government-sponsored insurance programs offer little or no coverage for medical care incurred in the United States.

This plan is an excellent fit for:

• International visitors traveling to the U.S. for business or leisure
• Parents or relatives visiting family in the United States
• Non-U.S. students studying at a U.S. college or university
• Employees of international companies traveling to the U.S. for work
• Church, mission, and volunteer workers visiting the United States
• Families participating in international adventure travel to the U.S.
• International travelers seeking short-term supplemental coverage for their U.S. visit

Why your existing coverage likely isn't enough:

Nationalized or government-sponsored health plans rarely provide adequate coverage for injuries or illnesses occurring in the United States. U.S. hospitals may not recognize foreign insurance cards and may require up-front payment or deny services entirely. The Diplomat America plan gives you recognized, U.S.-based coverage so you can seek care with confidence.

Eligibility notes:

• Available to non-U.S. residents only — must reside outside the United States
• Not available for residents of the USA, Australia, or Iran
• Coverage is for travel to the United States only — not designed for travel outside the U.S. (except incidental trips to Canada, Mexico, or the Caribbean Islands)
• Coverage is available for up to 2 adults, plus unmarried dependent children ages 14 days to 17 years; children may also be covered when traveling alone
• Not renewable — a new application must be submitted for additional coverage periods
• Pre-existing conditions are subject to a 24-month lookback period

Athletic Sports & Hazardous Activity Rider

(Not available for ages 80+)

Extends medical coverage to injuries or illnesses resulting from a wide range of athletic and hazardous activities that are otherwise excluded from the base plan. Choose the level that fits your activities:

Table 1 — Hazardous Activities (medical expenses covered to the policy maximum):

• Low Option: 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 Non-commercial Aircraft, Safari, Scuba Diving (≤30 ft, Resort Course required), Snow Skiing (recreational), Snowboarding (recreational), Snowmobiling, Spelunking/Caving, Surfing (recreational), Trekking (≤Class IV on Yosemite Decimal System), Wakeboarding, Water Skiing, Whitewater Rafting (Class I–V), Wind Surfing, Zip Lining
• Middle Option: Aerial Photography (restraints required), Competitive BMX, Chartered/Leased Aircraft, Heli-skiing, High Diving, Hot Air Ballooning (as pilot), Mountain Climbing (≤14,000 ft, ropes & safety equipment required), Parachuting, Paragliding, Parasailing, Parascending, Rock Climbing (ropes & safety equipment required), Scuba Diving (>30 ft, PADI/NAUI certification required), Skydiving, Off-Piste Snow Skiing
• High Option: Big Game Hunting (firearms), Diving with Sharks, Mountain Climbing (>14,000 ft, certified guide required), Running with the Bulls, Security Detail (firearms)

Table 2 — Organized/Competitive Sports (medical maximum reduced to $20,000):

• Low Option: Ballet, Baseball, Cheerleading, Cross Country, Diving, Equestrian, Fencing, Field Hockey, Golf, Polo (Horse), Polo (Water), Rowing, Softball, Surfing, Swimming, Tennis, Track & Field, Volleyball
• Middle Option: Basketball, Competitive Cycling, Ice Hockey, Inline Skating (with helmet), Lacrosse, Martial Arts/Karate, Modern Pentathlon, Alpine Skiing, Ski Jumping, Wrestling
• High Option: Football (no Division One), Gymnastics, Rugby (no Division One), Soccer

Enhanced Accidental Death & Dismemberment

Purchase additional AD&D coverage to increase the Principal Sum above the base $25,000, up to $100,000 total. Benefits and exclusions mirror the base plan. Not available for children under age 18.

Provided by ON CALL America Services

The Diplomat America plan includes 24/7 worldwide travel assistance — available any time you need help, anywhere. This is not an insurance benefit, but an essential companion service included with your coverage at no additional cost.

To reach ON CALL America:

• Inside U.S. and Canada: 866-509-7715
• Outside U.S. and Canada: 603-328-1728 (collect)
• Available 24 hours a day, 7 days a week

What assistance services include:

• Coordination of Emergency Medical Evacuation and Repatriation
• Location of local hospitals, clinics, and medical facilities
• Multilingual personnel to help navigate language barriers
• U.S. Board Certified Physicians on staff around the clock
• Assistance with emergency situations of all kinds
• Coordination of Return of Minor Child(ren) and Emergency Medical Reunion
• Support for Political and Natural Disaster Evacuation arrangements

Important: All evacuation and repatriation services must be pre-approved and arranged through the authorized Travel Assistance Company. Services rendered without coordination and prior approval are not covered, and no claims for reimbursement will be accepted for independently arranged evacuations.

• Description of Coverage / Plan Summary — Full plan wording, Schedule of Benefits, exclusions, and limitations
• Brochure — Product overview and highlights
• Claim Forms — Available online or by calling 800-513-2981
• Get a Quote / Apply Online

The Plan Document will prevail in the event of any discrepancy between this summary and the full policy wording. This is not a complete description of all benefits, provisions, exclusions, and limitations. Underwritten by Crum & Forster, SPC.

Notice of Claim — Written notice must be submitted to the Company within 60 days after the occurrence or commencement of a covered disablement, or as soon thereafter as is reasonably possible.

Step-by-step claims process:

1. Notify the Company within 60 days of the covered event.
2. Request a claim form by calling 800-513-2981 or visiting www.globalunderwriters.com. One claim form is required per injury or illness.
3. Submit written proof of loss within 90 days of the date of loss, along with original receipts and supporting documentation.
4. Mail completed claim forms and receipts to the Claims Administrator.

Claims Administrator:

Global Claims Administration 3195 Linwood Avenue, Suite 201 Cincinnati, OH 45208 Email: Claims@globalunderwriters.com (PDF attachments only)

Phone:

• Inside U.S. and Canada: 800-513-2981
• Outside U.S. and Canada: 513-533-1330
• Hours: Monday–Friday, 9 AM–5 PM Eastern

Fax: 513-533-9416

A few important notes:

• Failure to submit proof of loss within the required timeframe will not automatically invalidate a claim if submission was not reasonably possible; proof must be furnished as soon as reasonably possible.
• Benefits for periodic payments are paid at the expiration of each four-week period during the covered period.
• All coverage except AD&D operates on an excess basis — it pays eligible expenses above and beyond what is covered by any other valid and collectible insurance.

The Diplomat America plan does not include a free look or post-purchase review period. Please review all plan details carefully before your coverage begins.

Refund of Premium — A refund, less a $25 processing fee, will be considered only if a written request is received by Global Underwriters prior to the Effective Date of coverage. Once coverage has begun, the premium is considered fully earned and is non-refundable. Partial refunds are not available under any circumstances.

In plain terms:

• Your cancellation request must reach Global Underwriters before your start date
• A $25 processing fee will be deducted from the refunded amount
• There are no refunds after coverage begins
• There are no partial refunds for unused days
• This plan is not renewable — a new application must be submitted for additional coverage, and a new deductible, coinsurance, and pre-existing condition exclusion will apply

To request a pre-effective-date cancellation, contact Global Underwriters in writing:

Global Underwriters Agency, Inc. 3195 Linwood Avenue, Suite 201 Cincinnati, OH 45208

Phone (Inside U.S.): 800-423-8496 Phone (Outside U.S.): 513-533-1500

This page is a general summary only. The Plan Document issued by Crum & Forster, SPC contains the complete description of all terms, conditions, benefits, and exclusions, and will prevail in the event of any discrepancy. Claims administered by Global Claims Administration, Cincinnati, OH. Worldwide assistance provided by ON CALL America Services. This is a limited benefit policy and is not an alternative to comprehensive health coverage. This insurance is not subject to and will not be administered as a PPACA-compliant health insurance plan.