Travelers to the USA should take note of new TSA travel restrictions immediately in effect for electronic devices. See complete story at http://www.overseastripinsurance.com/general-travel/security-issues-and-concerns/tsa-travel-restriction-electronic-devices/
What exactly is Kidnap and Ransom and what does it cover when you are working or living overseas?
At Good Neighbor Insurance, we have different coverages/types of insurance plans that close the gap between medical, liability, and risk of kidnapping around the world, and multiple options depending on your situation and need, including:
⁃ Regular overseas short and long-term insurance policies that include medical and political emergency evacuation
⁃ Threat / Risk management training (aka Travel Safety training) for travelers and expatriates
⁃ A Global Rescue plan that will go in and get you anywhere in the world
⁃ War and Terrorism policies that include term-life insurance, as well as AD&D
⁃ Kidnap and Ransom plans both individual K&R plans and group K&R for international organizations
When individuals and companies (schools, churches, non-profits, etc.) go overseas on business, to serve or consult, study or do missions work abroad, they are increasingly facing hostile environments and armed groups that see them as opportunities to raise media awareness, raise funds, or strike back against perceived hurts or threats.
Many of our individual clients and groups find they are exposed to Wrongful Detention in airports or by corrupt police (shakedown) or by governments (in retaliation for U.S. foreign policy or actions or due to violations of some unknown law), as well as Hijack, Kidnap, and Political Upheaval that necessitates Emergency Repatriation, even in countries considered relatively safe. That is why we consider it fundamental to our short-term policies and is included in many of our long-term plans as well.
US- and Western-based organizations also have institutional obligations to their volunteers and staff or could face lawsuits for failure to adequately provide protection for its charges when traveling or performing good works abroad. Our offerings protect them from judgements, settlements and defense costs.
Exactly what is Kidnap & Ransom (KRE) coverage?
KRE primarily consists of the following standard covered events / hostile situations:
Kidnap / Ransom: The abduction and holding of a covered person by someone who is demanding a ransom in exchange for the release of the captive person. This involves sending negotiators to work with local and national security, as well as with the kidnappers themselves.
Express Kidnapping: This covered event is a kidnapping where the duration of confinement is less than 24 hours, (usually in the process of escaping arrest or when at an ATM machine) or Unintentional kidnapping, due to circumstances the kidnapper had not considered perviously.
Hijacking: This is the illegal holding under duress of an insured while on board any form of transportation by people who demand a ransom in exchange for release, whether a car, boat or airplane.
Detention: This covered event is an arbitrary and capricious act of involuntary confinement of a covered person.
Extortion: This event is when a person receives a threat to cause bodily harm or property damage by a person or group who demand a ransom to deter carrying out their threat.
Our coverages also include: Crisis Response – 24 / 7 hotline access to professional crisis responders who help manage the threat anywhere in the world.
Due to the numbers of falsely reported kidnappings to exploit insurance or collusion in kidnap attempts, insurers are very careful when writing policies for Kidnap and Ransom. For more information, contact Good Neighbor Insurance and we’ll help you walk through your needs and answer your personal and organizational security questions.
Kidnap, Ransom and Extortion Insurance protects you and your family, but it also protects against financial loss and liquidation, as well as offering professional crisis management and security consultants to manage incidents along with the policyholder and their family.
If you have any questions regarding whether you need any of the above policies, which might fit you best, whether your destination is covered or excluded by a particular policy or plan, PLEASE CALL US. There are a number of countries excluded from certain short-term and long-term plans. Unless you are careful you may not find this out until after an incident. That is very inconvenient. Also, many policies will not cover certain situations if a U.S. or U.K. travel warning is in effect for that country / region prior to your day of departure. Once again, we can help you get the right policy for your trip/destination. Give us a call today at (866) 636-9100.
Taking your family on an around the world tour. Or sailing around the world. Is it a great family adventure – or a foolish venture requiring being rescued at sea?
Yesterday, the Kaufman family (who had started out on a trip sailing around the world) concerned about their daughter’s deteriorating health, called and asked to be rescued by the military on their satellite phone.
Today, after help from a Navy warship and three federal agencies, and with 1-year old daughter, Lyra, recovering, they are facing criticism over whether their desire to sail around the world with their family was a wise, or a foolish, decision.
- The Kaufmans were not new to sailing. This was the first real issue to come up in 7 years abroad their boat, the Rebel Heart. (View blog at http://www.therebelheart.com/)
- The family had already been sailing when they stopped in Mexico to deliver the baby.
- Their doctor gave a green light to continuing their trip.
- If the ship had not had mechanical problems, or their daughter wasn’t already ill, their story, like many other families, might never be known. And they would have sailed merrily on their way.
Are we criticizing a failing mechanical system? A mother? OR a way of life?
Many other families travel together. Whether via sailing or choosing to live somewhere else in the world (for a time). Or slowly making their way around the world. In fact not only do some people advocate for it, but there is even a cottage industry of books and blogs on the subject (Writing being one of those professions that you can earn money doing on the road). Although sometimes they are traveling with older, homeschool-age children.
So what do you think? Should parents with younger children stop traveling, or should they take families and young children along – exposing them to another type of life far from “suburban normalcy?” In reality, most new families stop traveling (whether they like it or not) due to the additional costs and the occupations of father and mother. I know many other people that have consciously chosen professions that warrant them traveling, or at least allow them to do their job from anywhere, so that they can live in Europe for a few years or move about from Brazil to Costa Rica.
Are the criticisms expressed at http://www.azcentral.com/story/news/nation/2014/04/09/family-sailing-rescue-baby/7509735/ and http://parenting.blogs.nytimes.com/2014/04/07/judge-the-rebel-heart-sailboat-parents-or-envy-them/?_php=true&_type=blogs&_r=0 valid?
We’re interested in what other travelers think.