The financial implications alone of an accident or illness incurred abroad can be devastating, let alone any number of other difficulties one may encounter under such circumstances.

While most extended health care programs offer 24-hour emergency medical coverage for employees and eligible dependents, there are a number of exclusions and conditions associated with these programs that may result in higher risk exposure. For example, these policies typically do not include emergency evacuation in the event of a natural disaster or civil unrest.

Expenses stemming from terrorism are also frequently excluded. Even a simple mix-up related to hotel accommodations or flying arrangements can be extremely stressful when facing it in a non-familiar setting.  Organizations should take the necessary steps to ensure they have fulfilled their duty of care responsibilities and that appropriate coverage and assistance services are in place for their staff.

RMA offers a comprehensive travel package that can provide you with the coverage you need to protect your employees from those potential risks, whether they are travelling on business or vacation.  The features and benefits of our offering include the following:

Personal Accident
•   Death, Dismemberment, Disability, Loss of Sight

Medical
•  Medical Expenses due to Accident or Sickness
•   Emergency Medical Evacuation
•   Medical Repatriation
•   Hospital Inconvenience
•   Emergency Reunion Expenses

Security Evacuation
•  Evacuation and Repatriation Costs
•   Expenses

Emergency Services
  Search and Rescue Expenses
•   Kidnap Consultants’ Costs
•   Personal Security Specialist Expenses

Disruption
•  Pre-Trip Cancellation
•   Trip Interruption
•   Replacement and Change of Itinerary
•   Aggregate Limit
•   Travel Delay
•   Missed Departure

Ancillary Business Travel Benefits
•   Personal Belongings
•   Loss or theft of Money
•   Hijack and Kidnap
•   Personal Liability
•   Legal Expenses

For more information, please contact us.