Emergency Medical Coverage

• Physician services, hospital confinement and operating room charges
• Anesthetics, X-rays, and laboratory tests
• Ambulance service
• Drugs, medicines, and therapeutic services
• Emergency and palliative dental treatment (up to $500; not available in NH)
• Acute Onset of a Pre-Existing Condition — up to $10,000; initial treatment must be obtained within 24 hours of onset (not available in NH, NY, WA, MN, MO, MT, or OR)
• If hospitalized beyond your scheduled return date due to a covered illness or injury, coverage extends up to 90 days or until discharge

Emergency Evacuation

• Transportation to the nearest facility capable of providing appropriate care when your current location cannot
• Repatriation to your home once medically stable, via the most direct and economical route
• All evacuation must be recommended by the attending physician, verified, and arranged through the authorized Travel Assistance Company
• Transportation of Minor Children — if hospitalized for more than 7 days or in the event of death, unattended minor children (under 18) are returned home with an escort if necessary
• Hospital Companion — if hospitalized alone for more than 7 consecutive days, one-way and return economy airfare for a person of your choice to join you at bedside (repatriation must not be imminent; must be pre-authorized)

Repatriation of Remains

• Up to $50,000 for return of remains to the United States, including embalming, cremation, minimal casket, and transportation; must be pre-authorized and arranged by the Travel Assistance Company

Non-Medical Emergency Transportation

• Up to $25,000 for necessary transportation to the nearest place of safety or home due to a Natural Disaster, Security Situation, Political Situation, or felonious assault (not available in NY or WA)
• Evacuation must be initiated within 7 days of the initial evacuation notice issued by the U.S. or host country government

Search & Rescue

• Up to $20,000 for up to 4 days of an organized Search and Rescue when you become lost, disoriented, or reported missing during a recreational activity (not available in NY or OR)
• A formal report must be made to an appropriate authority capable of activating a Search and Rescue
• Excludes heli-skiing, extreme skiing, open sea boating, solo adventure missions, and activities involving intentional lack of communication

Trip Benefits

• Trip Interruption — up to $5,000 for unused, prepaid, non-refundable travel arrangements plus economy airfare home, for covered reasons including illness, injury, death of a family member or traveling companion, felonious assault, natural disaster making your home uninhabitable, hijacking, quarantine, or jury duty
• Trip Delay — up to $2,000 total ($200/day) for reasonable expenses after a delay of 12 or more hours due to a covered hazard, including economy airfare to rejoin or return from the trip

Baggage

• Baggage & Personal Effects — up to $1,000 for loss, theft, or damage to baggage checked with a Common Carrier; $250 per article limit; $500 combined limit for jewelry, watches, precious metals, furs, computers, and camera equipment
• Baggage Delay — up to $200 to replace necessary personal effects when checked baggage is delayed or misdirected for more than 24 hours en route to your destination

Accidental Death & Dismemberment

• $25,000 Principal Sum for loss of life, both hands or feet, sight of both eyes, one hand and one foot, either hand/foot and sight of one eye; 50% for loss of either hand, foot, or sight of one eye
• Loss must occur within 365 days of the covered accident
• Exposure and disappearance provisions included

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. Vaccinations not covered. Trip Interruption does not cover COVID-19-related conditions.

The Diplomat International plan is built for U.S. residents heading out on a trip — whether across the border for a long weekend or abroad for six months. It covers both domestic and international travel, making it a flexible option for a wide range of travelers.

This plan is a strong fit for:

• U.S. residents traveling inside or outside the United States for 5 to 180 days
• Business travelers whose employer health plan offers limited out-of-network or international coverage
• Leisure travelers taking domestic or international trips
• Students studying abroad
• Employees traveling internationally on behalf of their company
• Families traveling together who want medical and evacuation coverage on a single policy
• Travelers seeking search and rescue protection for outdoor and adventure activities

Why your existing coverage may fall short:

Most U.S. health insurance plans — including employer-sponsored group plans and individual marketplace plans — offer limited coverage outside their provider network, and virtually none cover emergency medical air evacuation. Medicare provides no coverage outside the U.S. The Diplomat International fills those gaps with dedicated emergency medical, evacuation, and non-medical evacuation coverage, purpose-built for travel.

Important eligibility notes:

• Available to permanent U.S. residents only (residents of U.S. Territories are not eligible)
• Coverage is not available for travel to: Afghanistan, Belarus, Iran, Libya, Nepal, North Korea, Palestinian Territories, Russia, Syria, or Yemen
• This plan cannot be purchased after departure — must be purchased before leaving your home residence
• Coverage is not renewable — a new policy must be purchased for each trip
• Certain benefits have state-specific restrictions; see the Schedule of Benefits for your state

Expand your coverage with add-ons for specific sports activities or higher AD&D limits.

Adventure Sports

Extends medical coverage to injuries sustained while participating in non-professional, non-competitive recreational sports activities. Coverage applies up to the full policy medical maximum.

Covered activities include (but are not limited to): cycling, fishing, swimming, scuba diving (certified divers ≤60 ft; uncertified divers ≤30 ft), snorkeling, white/black water rafting Grades 1–3, canoeing, kayaking, zip-lining, water skiing, camping, hiking, backpacking, sailing, boating, downhill and cross-country skiing, snowboarding, snowmobiling, sledding/tobogganing, snow tubing, ice skating, and resort-sponsored activities.

Adventure Sports does not include Bodily Contact Sports, Extreme Sports, Interscholastic Sports, Organized Sports, or Mountaineering.

Bodily Contact, Interscholastic & Organized Sports

Extends medical coverage to injuries from competitive team sports involving direct physical contact, school-sponsored athletic competition, or intramural/recreational organized sports. Medical benefits limited to $25,000 per covered loss.

• Bodily Contact Sports include: football, soccer, baseball, wrestling, ice hockey, rugby, and lacrosse
• Interscholastic Sports — competition between accredited educational institutions, under direct supervision of a school employee, including practice and supervised travel to/from events
• Organized Sports — intramural and recreational sports leagues

Extreme Sports

Extends medical coverage to injuries from high-risk activities that risk loss of life or limb even when performed by skilled participants. Medical benefits limited to $25,000 per covered loss.

Covered activities include (but are not limited to): skydiving, BASE jumping, hang gliding, parachuting, bungee jumping, caving, rappelling, spelunking, white/black water rafting above Grade 3, off-trail or helicopter-accessed skiing/snowboarding, mountaineering, rock climbing, high-altitude activities, personal combat/fighting sports, rodeo, motorsport racing, free diving, and scuba diving below 60 feet or without a dive master.

Common Carrier AD&D

Provides additional Accidental Death & Dismemberment coverage specifically for losses occurring while riding as a fare-paying passenger on a licensed transportation vehicle (aircraft, train, bus, ship, etc.) during your trip. Loss must occur within 180 days of the accident.

Principal Sum options: $100,000 / $250,000 / $500,000

Covers the same table of losses as base AD&D, plus speech, hearing in both ears, and thumb/index finger of the same hand. Exposure and disappearance provisions included.

The Diplomat International plan includes 24/7 worldwide travel assistance services, coordinated through the plan's authorized Travel Assistance Company. This is a companion service included with your coverage — not a separate insurance benefit.

What assistance services include:

• Coordination and pre-authorization of Emergency Medical Evacuation and Repatriation
• Verification and arrangement of Hospital Companion transportation
• Coordination of Non-Medical Emergency Transportation (Natural Disaster, Security, Political situations)
• Return of unattended minor children to their home in the event of hospitalization or death
• Location of local hospitals, clinics, and medical facilities worldwide
• U.S. Board Certified Physicians on staff around the clock
• Multilingual personnel available 24/7
• Help navigating emergency situations abroad

Important: All evacuation and repatriation services must be pre-authorized and arranged by the authorized Travel Assistance Company. Services arranged independently may not be covered; however, in cases where the Travel Assistance Company was not contacted, the Company may, at its sole discretion, provide limited reimbursement for the portion of expenses it determines would have been authorized.

Access the official policy documents for your state of residence. Because the Diplomat International is underwritten by Nationwide Mutual Insurance Company, state-specific policy forms apply.

Select your state of residence:

• Sample Certificate Wording

Additional resources:

• Diplomat International Brochure
• Nationwide General Disclosures
• Nationwide Privacy Notice
• Get a Quote / Apply Online

Travel Insurance is underwritten by Nationwide Mutual Insurance Company, Columbus, Ohio. In WA, coverage is underwritten by Nationwide Life Insurance Company and Nationwide Mutual Insurance Company, Columbus, Ohio. Applicable to Policy forms NSIGTC 2000, NSHTC 2000, SRTC 2000, or state equivalent.

Claims for the Diplomat International plan are handled by Co-ordinated Benefit Plans, LLC (CBP) — not Global Underwriters. Please use the contact information below, not the Global Underwriters claims line.

Step-by-step claims process:

1. Gather documentation relevant to your claim type:
   • Medical claims: detailed medical statements from treating physicians, receipts for all medical services and supplies
   • Baggage/baggage delay claims: written reports from the responsible party (airline, cruise line, etc.) confirming loss, theft, damage, or delay; police report if applicable; receipts for lost or damaged items
   • Trip delay claims: written statement from the party causing the delay, plus receipts for expenses incurred
   • Trip interruption claims: travel invoice, interruption date, original unused tickets/vouchers, travel organizer's cancellation policy, proof of payment
2. File your claim online or by mail/email to CBP.
3. Submit proof of payment along with all supporting documentation.

Claims Administrator:

Co-ordinated Benefit Plans, LLC (CBP) Attention: NW Travel Claims P.O. Box 26222 Tampa, FL 33623

Online portal: cbpconnect.com

Email: NWTravClaims@cbpinsure.com

Customer Service: 888-352-3169

Direct Line: 727-725-7522

Fax: 800-560-6340

The Diplomat International 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 cannot be renewed — a new policy must be purchased for each trip, and cannot be purchased after departure

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 policy document issued for your state of residence contains the complete description of all terms, conditions, benefits, and exclusions, and will prevail in the event of any discrepancy. Travel Insurance is underwritten by Nationwide Mutual Insurance Company, Columbus, Ohio (in WA: Nationwide Life Insurance Company and Nationwide Mutual Insurance Company). Claims administered by Co-ordinated Benefit Plans, LLC, Tampa, FL.