The Diplomat Long Term plan is built around four pillars of protection: medical coverage, emergency services, accidental coverage, and trip-related benefits.

Medical Coverage

• Hospital room and board, intensive care, outpatient treatment, and physician visits
• Surgical, anesthesia, and assistant surgeon expenses
• Prescription drugs (30-day supply per prescription)
• Diagnostic X-ray and laboratory benefits
• Physiotherapy — up to $50 per visit, 10 visits maximum
• Ambulance benefit
• Durable medical equipment
• Artificial limbs, eyes, larynx, and orthotic appliances

Emergency Services

• Emergency Medical Evacuation — transportation to the nearest adequate medical facility when local care is insufficient, subject to pre-approval by the Program Medical Advisor
• Emergency Medical Repatriation — medically necessary return to your primary place of residence or nearest capable facility, within 90 days of the covered loss
• Return of Mortal Remains — preparation and transportation of remains to your primary U.S. residence or place of burial
• Emergency Medical Reunion — round-trip economy airfare plus reasonable travel and accommodation expenses for one person of your choice, when you are hospitalized for more than 5 days
• 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 government issues a departure recommendation or imminent bodily harm exists
• 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 and one-way economy airfare home (combined maximum: $5,000)

Accidental Death & Dismemberment

• $25,000 Principal Sum (base); enhanced AD&D available up to $1,000,000
• Covers loss of life, both hands or feet, sight of both eyes, one hand and foot combined, speech and hearing, and individual limb/sight losses
• 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 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

Trip & Baggage Benefits

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

Additional Benefits

• Unexpected Recurrence of a Pre-Existing Condition (U.S. Citizens only) — limited coverage for a sudden and unforeseen recurrence of a stable pre-existing condition, subject to plan conditions
• Acute Onset of a Pre-Existing Condition (Non-U.S. Citizens, under age 70, traveling in the U.S.) — covered if sudden and unexpected, treatment obtained within 24 hours of onset
• In-Hospital Indemnity (U.S. Citizens only) — $100/day, up to 10 days, for a covered inpatient hospital stay
• COVID-19 — not specifically excluded; treated the same as any other illness under the plan's terms and conditions

The Diplomat Long Term plan is built for anyone spending an extended period of time outside their home country — whether for work, study, service, or adventure. Its flexible 3–36 month structure and renewable design make it equally suited for a gap-year traveler and a long-term expatriate.

This plan is an excellent fit for:

• Expatriates and long-term international residents who need a dependable medical safety net while living abroad
• Business travelers whose U.S. health insurance offers limited or no overseas coverage
• Study abroad students and exchange program participants requiring compliant international medical coverage
• Mission, church, and volunteer workers traveling internationally for extended service assignments
• International adventure travelers seeking coverage for extended treks, safaris, and other activities (with optional Hazardous Activity Rider)
• Non-U.S. citizens visiting the United States who need medical coverage not provided by their home country's national health scheme
• Families traveling together — covers a second adult and unmarried dependent children; children may also be covered when traveling alone

Why your existing coverage may not be enough:

Most U.S. group and individual health plans provide limited or no coverage outside the United States. PPO networks do not extend internationally, leaving the insured responsible for any billing differences. Medicare provides no coverage outside the U.S. For non-U.S. citizens, national health plans rarely cover medical care sustained abroad — and hospitals in the U.S. may not recognize a foreign insurance card or government health plan.

Eligibility notes:

• Available to individuals from most countries; coverage is not available for travel to Afghanistan, Cuba, Iran, Nepal, or Palestinian Territories
• Coverage is not available for residents of Australia or Iran
• U.S. resident coverage is limited to residents of: AK, AZ, CA, CO, CT, IN, MS, NH, NV, NE, PA, SC, UT, VA, WI, and WY
• Coverage is available for individuals ages 14 days and older
• Maximum coverage period: 36 continuous months (ages 14 days–69); 24 months (ages 70–79); 12 months (ages 80+)

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 $1,000,000 total. Benefits and exclusions mirror the base plan. Not available for children under age 18.

Home Country Coverage / Follow Me Home

Provides limited medical coverage while visiting your Home Country:

• Incidental Trips: Covers up to 60 days per 12 months of purchased coverage (approximately 5 days per month). Maximum benefit is $50,000 for any illness or injury occurring during an incidental home visit.
• Follow Me Home (Extension of Benefits): Pays up to $10,000 for covered expenses incurred in your Home Country for a condition originally diagnosed and treated outside your Home Country during your period of coverage.

Home Country Coverage does not apply to Emergency Evacuation or Repatriation benefits.

War Risk Rider

(Available for travel outside the USA only)

Waives the plan's standard exclusion for declared or undeclared war for losses occurring within a designated War Risk Territory. Coverage ends on the earliest of the plan termination date or written notice of termination from the Company.

• War Risk Area 1 (High): Algeria, Cameroon, Iraq, Libya, Nigeria, North Korea, Pakistan, Russia (North Caucasus), Saudi Arabia, Somalia, Syria, Ukraine, Yemen
• War Risk Area 2 (Medium): Armenia, Azerbaijan, Bahrain, Bangladesh, Bolivia, Burma, Burundi, Central African Republic, Chad, Colombia, DRC, East Timor, Egypt, Eritrea, Haiti, India (Jammu/Kashmir/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, Zimbabwe
• War Risk Area 3 (Low): All other eligible countries

No War Risk benefit is payable if a U.S. State Department Level 4 Travel Advisory is in effect within 30 days prior to the plan participant's arrival in the host country. Coverage is not available inside the United States or the plan participant's Home Country.

This page is a general summary only. The Plan Document issued by C&F Cayman SPC for and on behalf of ITI SP contains the complete description of all terms, conditions, benefits, and exclusions, and will prevail in the event of any discrepancy. Underwritten by C&F Cayman SPC (We/Us/Our). Claims administered by Global Claims Administration, Cincinnati, OH. Worldwide assistance provided by ON CALL International Services.

Provided by ON CALL International Services

The Diplomat Long Term plan includes 24/7 worldwide travel assistance — available any time you need help, anywhere in the world. This is not an insurance benefit, but an essential companion service included with your coverage.

To reach ON CALL International:

• 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 — medical or otherwise
• 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.

Access the official policy documents for complete terms, conditions, and benefit schedules.

• Plan Summary / Description of Coverage — 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.

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.
• The plan operates on an excess basis — it pays eligible expenses above and beyond what is covered by any other valid and collectible insurance.

The Diplomat Long Term 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:

• If you need to cancel, your 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, regardless of how little of the policy period has elapsed
• There are no partial refunds for unused months

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 C&F Cayman SPC for and on behalf of ITI SP contains the complete description of all terms, conditions, benefits, and exclusions, and will prevail in the event of any discrepancy. Underwritten by C&F Cayman SPC (We/Us/Our). Claims administered by Global Claims Administration, Cincinnati, OH. Worldwide assistance provided by ON CALL International Services.