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Diplomat Sports Travel Insurance Plans FAQ And Answers

Diplomat Sports Travel Insurance Plans FAQ And Answers

Go Back To Diplomat Sports Travel Plans

How do I file a claim on the Diplomat International or Diplomat America travel insurance plan?

Answer 1: Please follow these instructions:

  • Complete front of claim form, in full;
  • Sign Medical Authorization and Authorization to Pay Benefits on front of claim form
  • Mail / Fax / Email to Administrator with itemized bills, showing diagnosis, and Explanation of Benefits from your primary insurance carrier for each bill (if applicable)

Answer 2: All itemized bills must include:

  1. Patient’s Name;
  2. Patient’s Address;
  3. Diagnosis;
  4. Date of Service;
  5. Description of Service (CPT Coding);
  6. Medical Provider’s Name, Address, Telephone Number, and Federal Tax ID Number

Answer 3: A completed claim form must be submitted for each injury or sickness a policyholder sustains.

Answer 4: Keep copies of all claims forms, bills, and correspondence for your own records.

Answer 5: In order for benefits to be paid, claim forms must be filed within 90 days from the date of injury or sickness.

Question: What benefits and coverages are included for scuba diving?

Answer: The Diplomat Series includes coverage for evacuation for Decompression Syndrome (decompression sickness, or DCS), also known as Arterial Gas Embolism (AGE), Decompression illness (DCI) or the “bends.” Potential treatment would include, but not be limited to, hyperbaric recompression chamber, in addition to all the other medical and travel benefits, if the optional rider is chosen. All divers must be SCUBA certified to be covered under this plan.

Question: I am a Canadian citizen traveling to the U.S. about 5 times during the winter months. I will be bobsledding while visiting the U.S. So I am taking multiple trips to the U.S. during this 5 month period. I want to know if I am able to get the Diplomat America for a full 5 month duration so I do not have to apply each time I go to the U.S?

Answer 1:  Yes,  you could either purchase the Diplomat America travel insurance plan with sports cover on a trip-by-trip basis or for the full 5 months.  However, please note that there is no coverage on the Diplomat America in Canada for you since you are a Canadian citizen.

Answer 2:  The Diplomat America overseas sports travel insurance plan is what you want to use since you will be traveling in the U.S.  It will cover you outside of Canada and anywhere in the world, including the U.S.

Answer 3:  You will also need to add the “sports rider” to your policy and include the sport(s) you want covered, like bobsledding.

Question: Is amateur motocross ‘racing’ covered under the Diplomat America and Diplomat International? I did not see racing in the certificate wording.

Answer: No, this plan no longer covers MX (amateur or professional).

Question: I will be riding a motorcycle at times when I am on my travels.   Do I need to have the sports rider and check mark the “motorcycle and motor scooter” box?  Even if I am only going to be riding for maybe one day throughout my whole travel time?  Please note that I am not doing any racing or stunts on this motorcycle.  All I am doing is using it for transportation.

Answer: Yes, even though you are only riding a motorcycle / motor scooter for transportation and only for a half/one day on your travels, you will need to still include the sports rider and check mark the “motorcycle and motor scooter” box.   Even if you are only going to hop on a motorcycle / motor scooter once to get you from “point a to point b” you will still need to do as the above mentioned.

Question: I have heard that this plan no longer will cover MX or motocross participants, is that correct?

Answer: Unfortunately, Yes. Like base jumping, insurers are worrying about the high number of claims and have let us know they will no longer be covering motocross in any capacity. we are currently looking for another A-rated carrier to protect our motocross fans and participants. Contact us for updates.

FAQ and Answers on Benefits of the Diplomat Sports Travel Cover

Question: What does the evacuation benefit cover and how does it work?

Answer 1: It will take you from one medical facility to another medical facility, if needed.

  • Think of evacuation as medical transportation. If the medical facility where you are located cannot take care of your current medical needs this benefit will start working for you.

Answer 2: The key on how to get this benefit implemented/started is for your doctors, who are with you, to connect with the doctors at the insurance company. They can get the phone number(s) on your medical card/confirmation you receive once you purchase this policy. Then the doctors on both sides will make a determination on what is the best option.

  • If they need to evacuate you then the insurance company handles everything. There is no deductible or extra charges, besides your premium, for this benefit. In fact, you have up to 500,000USD no matter of the medical coverage you choose.
  • The key to using this evacuation cover, if and when needed, is to call the insurance company pronto and they will handle the rest. Keep in mind this is an evacuation medical transportation benefit and not a rescue benefit.

Question: What evacuation cover will not do:

Answer:

  • This benefit is not a rescue benefit.  For example, if you are hanging from a cliff, with or without any medical conditions, it will not cover for a chopper or airplane to pick you up.
  •  It will not take you from a non medical facility to a medical facility.  For example, if you are in a ravine and need to be rescued due to a medical or non medical need.  It will not do this.
  •  Thus, this evacuation benefit is not about rescuing from a life/death or serious medical/non medical situation.

Question: Does GNI have any other additional information relating to evacuation cover or other travel benefits when I purchase this plan?

Answer 1:  When you apply please make sure you add the sports rider as well as “check mark” the sport(s) you will want covered.

Answer 2:  This plan not only covers you while doing that sport, but also for all of your travel insurance care while outside your country of resident.

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