There is also a risk to the employee if the country they are travelling to has unstable politics or is involved in of war. Most group insurance policies exclude war or acts of war, whether declared or undeclared, this risk can be covered by a special risk policy through Svab Insurance. We have provided AD&D (Accidental Death and Dismemberment) coverage for individuals travelling to the most hazardous parts of the world, including Afghanistan and Iraq, where their group policy has exclusions.

Kidnap and Release

When travelling to the most dangerous parts of the world there needs to be consideration given to aspects that Canadian citizens do not normally have to be concern with. When travelling to dangerous parts of the world there is a possibility of kidnapping by rebels. Many of these kidnappings require a large amount of ransom in order to obtain release.  Kidnap and release insurance give travelers the security that their ransom will be covered and their families will not have to worry about financing the ransom during this stressful time.

Travelling Abroad

Many individuals have a strong desire to experience different parts of the world. Whether the reason is to study, visit or explore travelling abroad is an excellent opportunity to expand world views. Also as mentioned under expatriate coverage. It is now more important than ever for companies to be connected with the global markets.  This is why many employers are choosing to send their employees temporarily or permanently overseas. An expatriate is defined as someone who is placed either permanently or temporarily outside of their native country. These employees are not only faced with experiencing culture shock and life adjustments but these employees also need special insurance coverage while they are travelling internationally for the company. This is because while employees are travelling internationally they do not have the security of Canada’s health care system.  Getting sick or being involved in an accident can generate extremely high medical fees. It is important when considering group insurance benefits that those who are travelling for the company are integrated.

The Canadian Government provides a guide to those planning a trip abroad. It is full of helpful tips to keep you safe and healthy while travelling. Click here to be directed to your free copy of Well on Your Way: A Canadian's Guide to Healthy Travel Abroad

If you are planning on travelling abroad for work or personal reasons call us. We can help give you the security you need to get the most out of your excursion!

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