"But as the vast majority of travellers are only ever likely to come across a K&R policy in a Hollywood film, a more mainstream insurance solution has been sought.” Numerous insurers now have products that include various non-medical support cover, says Jones, either separate to or in collusion with wider medical, indemnified solutions: “As, operationally speaking, non-medical elements of any response are usually extremely inexpensive – if handled correctly, for example, a legally armed team in say, Kenya might cost as little as $800 a day – insurance capacity or loss ratios are unlikely to be problems. Te issue is about the assistance industry’s focus on the developed world and its reliance on any time-critical emergency element actually being dealt with by local emergency services rather than their own resources. Te future is greater integration of technology with indemnified products combined with an assistance industry able to offer robust and flexible response options to clients anywhere in the world in a timely manner.” Te vast majority of traditional retail travel insurance, Hegeler told ITIJ, still only offers coverage for evacuation due to medical necessity as distinct from emergencies generated by security threats or incidents. “Tere are very few products on the market that provide cover for security and political evacuation due to terrorism, but the coverage is basic and often comes into play only if you are located within a short distance from the actual incident. Te majority of products offering full coverage for expenses incurred, sheltering in place and evacuation due to security threats are mainly geared for employers buying long-term, corporate group policies. Te individual traveller slips between the lines.” Tere are some travel products designed specifically around political and security coverage for the individual travelling to conflict zones and hostile environments, which a traditional policy would not cover due to UK Foreign & Commonwealth Office travel warnings and restrictions, says Hegeler, but these often don’t have the traditional travel benefits such as curtailment, loss of luggage and cancellation. “Te travel insurance industry as a whole has an obligation to join together and evolve to fit the needs of the changing shape of the retail traveller while mitigating loss for the insurer,” she says. Managing Director of Voyager Insurance in the UK Carl Carter says demand for security cover is growing, and it’s being met. “Media coverage of the numerous security and terrorist-related incidents around the world over the last few years have resulted in increased public and employer awareness of risks when travelling and sending staff overseas,” he told ITIJ. “Tis, coupled

18 | International Travel & Health Insurance Journal

with health and safety legislation and an employer’s duty of care towards employees travelling on business, have resulted in some sectors of the travel/medical assistance industry making security assistance provisions and services more robust, and presents an opportunity to provide services to meet this increased demand. Tis has been more so within the business travel sector than the leisure sector, but the leisure sector is fast starting to catch up.” Over the last decade, Voyager Insurance, a provider of specialist business and high-risk

The travel insurance industry as a whole has an obligation to join together and evolve to fit the needs of the changing shape of the retail traveller while mitigating loss for the insurer

destination travel insurance, says it has seen continual increases in demands for policies that provide security elements in terms of both cover and service. It has responded by creating a suite of high-risk destination products aimed at individual and business travellers, charities and NGOs and those travelling to hostile, dangerous and remote

locations. Tis originated in the business traveller segment and has moved into the leisure travel sector, says Carter: “On the coverage side, we have included elements for security and political evacuation, and extended these to include protection against natural disasters in-country. We have created options for both our leisure and business travellers to gain protection against a terrorism event impacting their travel or holiday – both before and during a trip. We also provide cover that includes hibernation and personal security protection expenses; this is important if a traveller is caught up in the middle of a security situation, as the best option sometimes is to stay put and have a security personnel team guard them in hibernation while a situation passes instead of trying to evacuate them out of a life- threatening situation.” An improvement to a section of cover is good, said Carter, ‘but the whole package is much better for the individual, employer and insurer if the security assistance service happens real-time to support the individual in conjunction with the cover instead of being pay-and-claim after a situation has occurred’. For products that focus on business travel or include specific security protection aspects or travel to remote and austere environments, Voyager prefers to operate with ‘a proven assistance company that can handle both medical and security incidents themselves with staff trained for both situations and backed up by their own resources and a global network’. Staff are experienced in responding


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