Global Underwriters COVID insurance
International travel requires proper medical insurance coverage for travelers when they are outside their home country. It is an ideal insurance while traveling abroad, particularly for the US citizens. It is administered by Global Underwriters Insurance
Underwritten by C&F Cayman SPC for and on behalf of ITI SP.
The plan is not renewable”, if additional coverage time is needed, a new application must be completed.
Global Underwriters will provide a refund of your plan cost, less a $25 processing fee, will be considered only if written request is received by Global Underwriters prior to the effective date of coverage. After that date, the premium is considered fully earned and non-refundable. Partial refunds are not available.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Diplomat America Insurance by Global Underwriters offers coverage for covid-19 as a new sickness. It is available for Non-US citizens or residents travelling to the US. Pre-existing ailments are however excluded, which means that travelers infected before the plan effective date, will be considered as an pre-existing medica condition and will not provide coverage for that ailment.
Global Underwriters travel insurance offers coverage for coronavirus as any new sickness. If it is pre-existing, then it's excluded. That is of the travelers is infected before the plan effective date, the travel insurance will treat it as pre-existing and will not offer coverage for it.
The coronavirus testing would be covered if a medical physician deems it necessary that the insured fits the criteria for the test and the insured is effective on the policy during the time of the testing. The medical expenses would be covered as well during the time of the policy and if the signs and symptoms started during the effective date of the policy and will be paid per the parameters of the policy.
Global Underwriters Covid19 travel insurance by Diplomat America Insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
Travel
| Emergency Medical Evacuation & Repatriation | $500,000 |
| Return of Mortal Remains | $500,000 |
| Return of Minor Child | $50,000 |
| Emergency Medical Reunion | $50,000 |
| Interruption of Trip | $5,000 |
| Loss of Baggage | $50 per article; up to a maximum of $250 |
| Incidental Trips | Up to a maximum of 15 days for Incidental Trips to Canada, Mexico, and the Caribbean Islands only. |
| Seat Belt and Airbag Benefit | Up to $25,000. |
| Felonious Assault Benefit | Covered |
| Home Alteration and Vehicle Modification | Up to a maximum of $2,500 (within one year after the date of the accident) |
| Political & Natural Disaster Evacuation | $50,000 |
| Coma Benefit | Coma Benefit |
| Additional Accidental Death & Dismemberment | Purchase up to $1,000,000 of 24 hour AD&D coverage. Benefits and exclusions are same base plan. |
Out-Patient Medical Benefits
| Physical Therapy | Up to the maximum limit (Medical order or treatment plan required) |
| Urgent Care Clinic | $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Walk-In Clinic | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Radiology / X-ray | Up to the maximum limit |
| Laboratory | Up to the maximum limit |
| Pre-Certification | 50% reduction of eligible medical expenses if pre-certification provisions are not met |
Dental
| Emergency dental treatment? | Accident: Usual & Customary Expense; Palliative: $100 |
Life
| Acute onset of pre-existing condition? | 24 months waiting period. |
| Accidental death & dismemberment? | $25,000 (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits |
Other Benefits
| Excess Benefits? | All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance. |
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