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Special Risk Travel Insurance

Working or traveling in a dangerous part of the world, or engaged in dangerous or professional sports, regular travel or health insurance will most likely not provide the proper coverage that you need.

We offer tailor-made coverage for any type of travelers, or any workers (including journalist, aid workers, etc) whose insurance needs are not covered under regular travel insurance products.



War Risk

We offer benefits to various groups and individuals. There may be situations where a company may or may not have expatriates in other countries, but it does have employees, who travel frequently, sometimes to areas where there is civil unrest or war risk.

Under most Domestic Insurance policies there are exclusions related to War (declared or undeclared), Riot, Terrorism, Civil Unrest, etc. We can help you find policies to mirror and compliment the Domestic policy closely. We provide coverage for the War Risk and thus eliminating this potential liability.



High Limit Travel Accident Insurance

Single-trip or Annual Accident Insurance (with optional War and Terrorism coverage)

Accident benefits from US$100K to US$20 Million. Choose 24-hour coverage, common carrier, or flight accident only.

High Limit Travel Accident Insurance is designed to provide supplementary coverage in the case of an accidental death or dismemberment while traveling internationally. The international insurance coverage can be purchased for common carrier (air travel, bus travel, etc.), flight only, or 24 hour coverage. High Limit Travel Accident Insurance plans can also optionally cover risks due to war, terrorism, and nuclear, chemical and biological weapons.

Plan Features:

  • Up to $20,000,000 Principle Sum Amount
  • Choose Accidental Death (AD), Accidental Death & Dismemberment (AD&D), or ADD&D + Sudden Cardiac Arrest Coverage
  • Choose Air Travel Only, Common Carrier, or 24 Hour Coverage
  • Optional War & Terrorism Coverage
  • Optional Nuclear, Chemical, and Biological Detonation Coverage
  • 24/7 assistance
  • 24/7 assistance

Our High Limit Travel Accident Insurance can be purchased annually or to cover a specific date range. It is available to both individuals and groups. A large number of our clients purchase this coverage as a benefit for key employees traveling overseas.



Term Life

The policy provides for a lump sum settlement to dependents or a nominated beneficiary of the life assured (or policy owner) in the event of your death. It also provides for a settlement to you in the event that you were to suffer a permanent or total disability. The policy provides worldwide coverage, and is designed to cover a wide variety of occupations, locations and circumstances. Coverage can be for any amount between US$50,000 up to US$15 million, depending on your individual requirements.



Income Protection

Our Income Protection Insurance Policy is designed to cover your ongoing financial obligations in the event that you were to suffer an illness or injury, which is serious enough that it necessitates you being away from your work for an extended period of time.

Our policy provides for a payment of up to 75% of your annual income once you have been away from work for a period of longer than 3 months, and this benefit will continue to be paid until you recover, return to work or until the selected retirement age if the illness or injury is permanent and serious enough that you cannot return to work at all. In addition, should you be able to return to work, but are unable to work in your previous field of employ due to the injury or illness, and as a result are earning a lesser salary, our policy can pay the difference between your current income and your previous income.



Kidnap and Ransom Insurance

Kidnap and extortion are very real and growing threats in today's world. While the most vulnerable companies to kidnapping are those that have employees based or traveling overseas, organizations that have high profiles, handle large amounts of cash, or work with sensitive information are also at risk. While rarely publicized, extortion against corporate assets or products is increasing rapidly in the U.S. Examples include: bodily injury extortion, property damage extortion, pollution extortion, cyber extortion and intellectual property extortion. Companies need to prepare for these threats that can originate or occur virtually anywhere in the world.

Kidnap, Ransom and Extortion Insurance not only protects against financial loss, but also provides the services of leading crisis management and security consultants to manage incidents in conjunction with the policyholder.



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