Sometimes travel can take an unexpected turn for the worse, even when you’ve taken every precaution. That’s why it’s best to always be prepared with travel coverage that protects you from a worst-case scenario.
An unexpected illness or injury is, unfortunately, not the only concern to consider when traveling abroad. Today, kidnapping is a very real possibility for a business person or tourist in some countries.
Fortunately, travel insurance from HCC Medical Insurance Services now includes kidnap and ransom coverage known as Crisis Response. This new benefit provides policyholders with access to a team of knowledgeable crisis consultants who can handle scary situations such as kidnappings.
No traveler wants to think about the threat of being kidnapped abroad, but terrorists, drug cartels, and other criminal organizations all use kidnapping and extortion to advance their agendas. Foreign travelers and their families can be prime targets, especially in places where security is weak or non-existent.
Some incidents are referred to as “express kidnappings,” a method of abduction where kidnappers demand a small, easily-accessible ransom in exchange for a quick release.
Because of the threat of kidnapping, Atlas Travel insurance plans now include a Crisis Response benefit that covers expenses related to kidnapping. The coverage is designed to help families with the financial and emotional burdens of such events—and to ensure the victims’ safety above all else.
With the Crisis Response benefit, you get $10,000 for:
Who could benefit from this coverage?
Kidnap and ransom insurance can benefit a wide range of travelers—from students to business professionals.
The policyholder (or a family member if it’s the policyholder who is kidnapped) contacts local law enforcement agencies and Unity Resources Group, which partners with HCCMIS to provide dedicated crisis response services worldwide. Unity has more than 1,200 employees worldwide and has led the negotiations in more than 600 cases in over 70 countries, including the world’s most challenging locations.
Unity supports and advises the victim’s family throughout a kidnapping incident, while working on negotiations and resolution strategies. The 24/7 Response Operations Center employs a team of analysts with expertise in security, terrorism, international politics and logistics—all to help smoothly and safely return your loved one.
The policyholder must comply with all conditions and provisions of their insurance policy.
Before surrendering a ransom, the person authorizing the surrender must notify or make every reasonable attempt to notify:
The surrender of a ransom must not be:
Any kidnapping or express kidnapping cannot be the result of fraud or other criminal act by the policyholder or their authorized representative (whether acting alone or with others), unless the person authorizing the ransom payment had made every reasonable attempt to determine that the ransom demand or threat was genuine before paying the ransom.
Any kidnapping or express kidnapping is excluded if it first occurs in:
The policy’s total liability for all insured losses won’t exceed the aggregate amount outlined as follows:
A kidnapping is a traumatic situation that takes an emotional toll, and most travelers aren’t prepared to handle it. That’s why it’s so beneficial to have access to an experienced team that can keep you informed while managing negotiations and finding a resolution for a loved one’s safe return.
Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. We are regulated by the State of Indiana in our capacity as Third Party Administrator. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by Tokio Marine HCC – International Group.