Accidental Death & Dismemberment (AD&D) and International Life Insurance protect your family's financial well-being should you become disabled or die prematurely.
Accidental Death & Dismemberment insurance plans will pay you, your beneficiary, or your estate a lump sum benefit (e.g. $500,000) should an accident result in your death, or the loss of a limb/eyesight. Available plans include coverage for Individual Trips, High Risk Activities, War coverage and International Term Life Insurance. No one can predict when an accident will happen but you can be sure your loved ones will be financially secure should one occur.
Click here to view all Life and AD&D plans
High Limit Accident Insurance (US$20 Million Max Benefit)
Single-trip & annual accident insurance with optional war and terrorism coverage is available for all ages and nationalities. Benefits range from US$500K to US$20 Million. Additional optional coverages include: nuclear, biological and chemical coverage, dismemberment and disability, and choice of 24-hour, common carrier and flight-only coverage .
Annual Travel Accident Elite
Provides Annual Common Carrier Travel Accident insurance with coverage worldwide for unlimited trips up to 185 consecutive days per trip. Additional Emergency Evacuation, Repatriation of Remains and 24/7 Travel Assistance services benefits makes this a well-rounded annual package plan (US Residents only).
To view all of our Life and AD&D Products, click here
Our Global and Expatriate Benefit plans provide essential insurance benefits for all nationalities working and living anywhere in the world.
The following types of insurance are available for individuals, families, and employer groups worldwide: Global Health and Medical Insurance, International Life Insurance, International Accidental Death & Dismemberment, and International Disability/Income Protection. Coverage for War and Terrorism is available upon request.
Click here to view all Global and Expatriate plans
Flexible, long-term, annually renewable, worldwide medical insurance program for U.S. citizens living or working abroad and for non-U.S. nationals worldwide.
Medical insurance for US citizens outside of the United States. Max Benefit up to US$2 million. If purchased for a minimum of three months, coverage may be renewed (without a break in coverage) for a total of up to two years. Coverage may begin as soon as tomorrow and your medical i.d. card is delivered via email immediately after purchase when you select "online fulfillment". Available to US Citizens.
To view all of our Global and Expatriate Products, click here
War Risk & Terrorism Coverage provides otherwise unavailable insurance for acts of war and terrorism in areas of political unrest.
In today's political and economic climate, acts of war and terrorism remain a constant threat. Many businesses, contractors, and professionals are finding that their jobs require them to travel abroad to places of political unrest (even war zones).
We specialize in finding Medical Insurance, Life Insurance, AD&D, Defense Based Act (DBA), Disability Income Protection, Flight Accident or Common Carrier Accident plans for these high-risk areas.
Click here to view all War Risk & Terrorism Insurance plans
Kidnap, Ransom and Extortion Insurance
Kidnap and extortion are very real and growing threats throughout the world. While the most vulnerable companies to kidnapping are those that have employees based or travelling overseas, organizations that have high profiles, handle large amounts of cash, or work with sensitive information are also at risk. Companies need to prepare for these threats. 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.
Defense Base Act
DBA benefits include disability, medical, and death benefits to covered employees who are injured or killed in the course of employment, whether or not the injury or death occurred during work hours.
To view all of our War and Terrorism Insurance Plans, click here
Designed to protect groups of people traveling on the same itinerary
If your group consists of ten people or more traveling to the same destination, then purchasing a group travel insurance plan may be your best choice. We can provide both voluntary and mandatory group programs (mandatory means that everyone traveling on the trip must be included in the coverage).
Click here to view all Group plans or
for a customized group travel insurance quote
Group Travel Protection Deluxe
Our new Group Travel Protection "Deluxe" plan features: Trip Cancellation, Trip Interruption, Trip Delay, Baggage/Personal Effects, Baggage Delay, Emergency Accident/Sickness Medical Expense ($50,000), Emergency Evacuation ($250,000), 24 Hour Accidental Death & Dismemberment, plus optional "Cancel for Any Reason" for an individual or the entire group. Pre-existing medical condition "waiver" applies if the plan is purchased prior to final trip payment. Minimum 10 Travelers per group. Premium is the same for all ages of travelers! Available to US Residents
Student Group Protection Plan
The Student Group Protection plans are not age graded so you get the same great pricing for the students, chaperones, or parents. Up to 20% of the group may be made up of chaperones and parents. Featuring trip cancellation/interruption/delay, missed connection, baggage, emergency sickness/accident, evacuation/repatriation, and pre-existing condition waiver. For domestic and international trips up to 90 days in length originating within the U.S. only. Minimum 10 Travelers per group.
You should insure only your prepaid and non-refundable trip cost. Do not insure your expected additional expenses you will be paying for while on the trip.
I made my own travel arrangements and did not go through an agency. Can I still insure the trip?
Yes, all of our policies may be purchased by those making their own travel arrangements.
What is Co-Insurance or Co-pay?
This is the percentage or amount of expenses that the insured pays (if any) after the deductible is paid. Example: "Co-Insurance = 20% or co-pay is 80/20" means that the travel insurance company pays 80% of the charges, the insured pays 20%
What if my travel supplier declares Bankruptcy?
Many travel insurance protection plans cover lost travel expenses due to travel supplier bankruptcy, but there are substantial differences among plans. Some travel insurance plans only cover a specified list of travel suppliers, others require that you purchase the insurance within 7-21 days of paying the initial trip deposit. Be sure to check plan details
Where can I learn more about travel insurance?
We've created a number of useful reference and learning guides in our helpdesk section. If you still have questions about travel insurance, please feel free to contact us.
Why do I need a travel protection plan if I have credit cards that include travel insurance?
Travel insurance from credit cards is usually limited to coverage for car rental damage, flight accidents or for accidental death while you are traveling. Also, this protection is in effect only when you pay for travel with that particular credit card. Most credit cards do not offer any coverage for travel medical expenses, evacuation costs, or trip cancellation expenses.
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(source id: wtc)