Why we like it:
Looking for war and terrorism insurance or planning travel to a high-risk nation or area? The Diplomat International and Diplomat America plans offer excellent travel medical insurance benefits as well as additional benefits for those requiring them up to age 69, or up to age 80+ (with reduced maximum benefits). And it is available to travelers from almost every nation on earth from 5 days to 364 days.
In addition to the $50,000 to $1,000,000 in medical insurance, medical evacuation, and other great travel benefits, Political and Natural Disaster evacuation cover is also included.
Note: Not available for citizens of Australia and residents of New York, Maryland and South Dakota
Good for:
- Travel to areas of high-risk up to age 80+
- One of the best add-on Terrorism Riders Available
- Covers travelers from most nations up to 365 days
- Has high AD&D, and Political and Natural Disaster evacuation cover
Highlights
Both Diplomat International and America Include
Medical and evacuation benefits with additional riders / coverage add ons to meet your exact needs.
If traveling to a high-risk area, add the War and Terrorism rider to your travel insurance plan.
Coverage amounts up to the lesser of $500,000 or medical maximum.
Premiums vary by length of time and destination countr(ies)
Some of the travel insurance benefits that are a part of your policy include:
- AD&D option (have the opportunity to increase)
- Political and natural disaster evacuation
- Emergency medical reunion
- Return of mortal remains
- Interruption of trip
- Loss baggage
- Adventure sports rider to add on that fits your specific sport
- And other travel insurance benefits
On average, the war and terrorism insurance rider option will add $75 – $300 to a month’s coverage.
Why do you need international travel insurance?
Diplomat International (For travel worldwide excluding the U.S.)
Plan Features
For U.S. citizens traveling outside the U.S. and outside their country they are residing. Such as an American citizen residing in:
- Papua New Guinea traveling to Indonesia
- China traveling to Australia
- U.S. traveling to South Africa
For non-U.S. citizens wanting to be covered outside of the U.S. and traveling outside their country of resident/home country. Such as:
- An Australian citizen residing in the U.S. traveling to France
- A Chinese citizen traveling to Australia
- An English citizen residing in the U.S. traveling to Spain
Home Country is defined as: The country where an eligible person(s) has his/her fixed and permanent home establishment and to which he/she has the intention of returning.
Diplomat America
Plan Features
For non-U.S. citizens and non-U.S. residents traveling from your country of citizenship and outside your home country to the U.S. Such as:
- A German citizen traveling to the United States
- An Argentinean citizen traveling to the U.S.
- A Chinese citizen traveling to the United States
Home Country is defined as: The country where an eligible person(s) has his/her fixed and permanent home establishment and to which he/she has the intention of returning.
If coming to the U.S. as part of your travels from any region or nation, we recommend a minimum of $500,000 in medical coverage due to the cost of medical care in the USA.
More about this plan
Coverage is NOT available for
- Travel to Iran
- Citizens of Australia
- Residents of New York, Maryland and South Dakota
Benefits:
- Medical travel insurance options from $50,000 to 1 million
- Emergency medical evacuation of $500,000 no matter what you choose for medical coverage
- Includes a Political and Natural Disaster Evacuation Benefit: $50,000
- Added rider options
– Home country rider option
– Enhanced Accidental Death and Dismemberment, up to $1,000,000
– Athletic sports and hazardous activity rider - Emergency Medical Reunion
When it is determined that it is necessary and prudent for you to have an emergency medical evacuation or repatriation, we will arrange to bring an individual of your choice, from your current home country, to be at your side while you are hospitalized. They can then accompany you during your return to your current home country. Benefits will be paid up to $50,000 for reasonable travel and accommodation expense up to a maximum of 10 days. It must be pre-approved and arranged by the assistance company.
Underwritten by Advent Underwriting Limited on behalf of Syndicate 780 at Lloyd’s, rated “A” Excellent by A.M. Best.
Minimum purchase of at least five days even if traveling for three or four.
Maximum benefit amount (You can select from five plans):
A – $50,000
B – $100,000
C – $250,000
D – $500, 000
E – $1,000,000
Persons age 70 – 79 are eligible for plans A and B;
Persons age 80+ are eligible for a maximum benefit of $20,000.
Choose from the following deductibles per person/plan period:
$0
$50
$100
$250
$500
$1,000
$2,500
$5,000
Co-Insurance: After you pay your selected deductible this plan will pay 100% of Covered Expenses outside your Home Country up to the selected plan maximum.
Add-on benefits besides the War and Terrorism Insurance Benefit
Enhanced AD&D Benefit Rates (Per Person / Month applies to age 18+):
- $100,000 Total Coverage
- $250,000 Total Coverage
- $500,000 Total Coverage
- $750,000 Total Coverage
- $1,000,000 Total Coverage
Athletic Sports & Hazardous Activity Benefit
There are three options that provide coverage if your injury or illness results from one of the listed Athletic Sports & Hazardous activities (see brochure).
NOTE: Any Athletic Sport & Hazardous Activity not expressly covered hereunder is excluded from this policy unless the activity is approved by the company prior to purchase or the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.
Also for Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports.
Home Country Coverage Benefit
Provides limited coverage under your medical expense benefit while in your home country. The plan pays 80% up to $5,000 of covered expenses, then 100% to a maximum of 1) $50,000 for Incidental Trip(s) to your Home Country. Or 2) $10,000 for Extension of Benefits (Follow Me Home Coverage).
Three choices for War Risk and Terrorism
War Risk Area 1
(High War Risk – coverage is mandatory – covers your travels to countries in War Risk Areas 1, 2, and 3)
- Afghanistan, Iraq, Iran, Israel (Gaza Strip and West Bank; excluding Jerusalem), North Korea, Pakistan, Palestinian Territories, Russian Federation (North Caucasus Region of Russia,) Somalia, Syria, and Yemen.
Country Specific Information:
We provide Country Specific Information for every country of the world. For each country, you will find information like the location of the U.S. embassy and any consular offices. Whether you need a visa; crime and security information; health and medical conditions; drug penalties; and localized hot spots. This is a good place to start learning about where you are going, http://travel.state.gov/content/passports/english/alertswarnings.html
War Risk Area 2
(Medium War Risk – coverage is highly recommended – covers your travels to countries in War Risk Areas 2 and 3)
- Algeria, Armenia, Azerbaijan, Bahrain, Bangladesh, Bolivia, Burma, Burundi, Central African Republic, Chad, Colombia, Dem. Republic of Congo, East Timor, Egypt, Eritrea, Haiti, India (Jammu, Kashmir and Mumbai), Indonesia, Israel (Including Jerusalem), Ivory Coast, Kenya, Kyrgyzstan, Lebanon, Liberia, Libya, Mali, Mauritania, Mexico, Nepal, Niger, Nigeria, Oman, Papua New Guinea, Philippines, Qatar, Saudi Arabia, Sierra Leone, Sri Lanka, Sudan, Uzbekistan, Venezuela, and Zimbabwe.
Country Specific Information:
We provide Country Specific Information for every country of the world. For each country, you will find information like the location of the U.S. embassy and any consular offices. Whether you need a visa; crime and security information; health and medical conditions; drug penalties; and localized hot spots. This is a good place to start learning about where you are going, http://travel.state.gov/content/passports/english/alertswarnings.html
War Risk Area 3
(Low War Risk – recommended – covers your travels to countries in War Risk Area 3)
- All other countries not listed in Area 1 or Area 2 locations.
Country Specific Information:
We provide Country Specific Information for every country of the world. For each country, you will find information like the location of the U.S. embassy and any consular offices. Whether you need a visa; crime and security information; health and medical conditions; drug penalties; and localized hot spots. This is a good place to start learning about where you are going, http://travel.state.gov/content/passports/english/alertswarnings.html
War and Terrorism Insurance Rider
Definitions and coverage
War Risk Rider (If Benefit is Purchased)
- It is agreed that the policy is amended as follows: any Exclusion under this Plan for “declared or undeclared war or any act thereof” is waived for an Insured Person’s loss caused in whole or in part by, or resulting in whole or in part from, declared or undeclared war or any act thereof. Subject to the following restriction: The waiver only applies with respect to accidents that occur within the geographic limits or territorial waters of, or airspace above the geographic limits or territorial waters of a Designated War Risk Territory (as defined herein). War Risk Coverage in a high risk country listed in the Definition of “Designated War Risk Territory(ies)” requires payment of an additional premium and advance notice of travel.
Termination Date:
- War Risk Coverage ends on the earliest of:
1.) the date the Policy terminates; or
2.) the date specified in the Company’s written notice to the Policyholder or Participating Organization of the Company’s intent to terminate War Risk Coverage (or 10 days after the date the written notice is received by the Policyholder or Participating Organization, if later). - Termination of War Risk Coverage will not affect a claim for a covered loss that occurred while War Risk Coverage was in effect. Changes in Terms and Conditions: The terms and conditions of War Risk Coverage, including but not limited to the definition of the Designated War Risk Territory(ies), may be changed at any time to reflect conditions that, in the opinion of the Company constitute a change in the war risk exposure of the Participating Organization or the Insured Person. Coverage is Not available inside the United States or inside the Insured Person’s Home Country.
“War” definition:
War means any consequences, whether direct or indirect, invasion, act of foreign enemy, hostilities, or warlike operation (whether War be declared or not), “armed conflict” by military forces, civil war, mutiny, military or usurped power, martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege.
Here at Good Neighbor Insurance it is very important for us to connect with you.
As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!