Specialty Insurance Products

If you’re working or traveling in a dangerous part of the world, regular travel or health insurance will not provide the coverage that you need.

Most off-the-shelf products exclude countries subject to government-issued travel advisories (the Department of Foreign Affairs in Canada, the State Department in the USA, etc.). These products also usually contain specific exclusions or limitations on acts of war or terrorism.

This is why it’s vital to purchase supplementary coverage, custom-underwritten to cover the risks you will be facing. Below are some of the coverage options available to you. You may purchase any combination of these coverage options, or let us know if you are looking for something else.


Emergency Medical Coverage

This provides coverage for hospitals, doctors, emergency evacuation and related expenses in the event of a medical emergency. The emergency could be an unexpected illness, a regular injury, or injuries related to acts of war and terrorism. Coverage will be more costly than regular travel medical insurance, but worth it for the peace of mind.




Disability Insurance: Short-Term and Long-Term

Short-term disability insurance provides a monthly payment to you, replacing a portion of your income in the event that you become totally disabled due to unexpected illness or injury. The disability could be the result of regular causes or due to a war- or terrorism-related incident. Short-term coverage usually lasts a maximum of a few years. Long-term disability coverage provides a larger lump-sum payment in the event that you remain totally disabled after the end of your short-term disability coverage.




Accidental Death & Dismemberment

This provides for a lump-sum payment in the event of accidental loss of life, limb or sight. This includes a regular accident or an accident related to war or terrorism. This protects your dependents and your estate in the event of accidental death, and protects your financial well-being in the event of dismemberment.




Kidnap, Ransom & Extortion (KRE) Insurance

KRE coverage insures against a kidnapping incident. The insurance policy covers the ransom amount itself as well as professional negotiators to manage the situation. In order to arrange this type of coverage, you must be able to provide as much detail as possible on your travel plans and security precautions.