New Security Evacuation Benefits!

Covered perils include Natural Disaster, Political Risk, and Personal Threat, with benefits are payable for transportation and related costs.

+ Back to the host country if return is safe and permitted
+ Back  to the insured Person’s home country
+ Where the entity that sponsored the insured person’s trip is located

This new benefit has been attached to the ISP Traveler Plans. The Plans are Basic and Enhanced, with rates starting as low as $24.00.

For more information about the ISP Travelers, and the new Security Evacuation Benefit, please refer to our website, www.intlstudentprotection.com!

The Policy Reads as Follows:

SECURITY EVACUATION BENEFIT

If, as a result of an Occurrence that takes place during an Insured Person’s Period of Coverage and while traveling outside his or her Home Country, an Insured Person requires a Security Evacuation, the Company will pay benefits to Transport the Insured Person to the Nearest Place of Safety.  The determination that an Insured Person requires a Security Evacuation must be made by a Designated Security Consultant and all arrangements must be made by American International Assistance Services, Inc., (AIAS).

Benefits will be payable for eligible expenses up to a Maximum of $100,000.  Eligible expenses are for Transportation and Related Costs to the Nearest Place of Safety necessary to ensure the Insured Person’s safety and well-being as determined by the Designated Security Consultant.  Security Evacuation benefits are payable only once per Occurrence.

Benefits will also be payable for Transportation and Related Costs within 7 days of the Security Evacuation to either of these locations as chosen by the Company.

(1)  back to the Host Country if return is safe and permitted; or
(2)  the Insured Person’s Home Country ; or
(3)    where the entity that sponsored the Insured Person’s trip is located.

This benefit is subject to the overall Maximum stated above.

Benefits will be payable for consulting services by Designated Security Consultant for seeking information on Missing Person or kidnapping cases if the Insured Person is deemed kidnapped or a Missing Person by local or international authorities.  This benefit is subject to the overall Maximum stated above.

AIAS must make all arrangements and must authorize all expenses in advance of any benefits being payable.  AIAS is not responsible for the availability of Transport services.  Where a Security Evacuation becomes impractical because of hostile or dangerous conditions, a Designated Security Consultant will endeavor to maintain contact with the Insured Person until a Security Evacuation becomes viable.

Right of Recovery

If, after a Security Evacuation is completed, it becomes clear that the Insured Person was an active participant in the events that led to an Occurrence, the Company has the right to recover all Transportation and Related Costs from the Insured Person

Excess Provision

Benefits payable for the eligible expenses under this Rider will be limited to that part of the eligible expense, if any, which is in excess of the total benefits payable for the same Security Evacuation under any other valid and collectible insurance or other indemnity.  If the other valid and collectible insurance or indemnity provides benefits on an excess coverage basis, benefits will be paid first by the insurer or services plan whose coverage has been in effect for the longer period of time at the date of the Security Evacuation.

For purposes of this Rider, an Insured Person’s entitlement to other valid and collectible insurance or indemnity will be determined as if this Rider did not exist and will not depend on whether timely application for benefits from other valid and collectible insurance or indemnity is made by or on behalf of the Insured Person.

Benefits under this Rider will be reduced to the extent that benefits for expenses are covered by any other valid and collectible insurance or indemnity whether or not a claim is made for such benefits.

Definitions

Advisory means a formal recommendation by the Appropriate Authorities that the Insured Person or citizens of his or her Home Country or citizens of the Host Country leave the Host Country.

Appropriate Authority(ies) means the government authority(ies) in the Insured Person’s Home Country or the government authority(ies) of the Host Country.

Designated Security Consultant means an employee of a security firm under contract to AIAS or an AIAS designated service provider who is experienced in security and measures necessary to ensure the safety of the Insured Person(s) in his or her care.

Home Country means the country of citizenship of the Insured Person.  If the Insured Person has dual citizenship, for the purposes of this Rider, his or her Home Country is the country of the passport he or she used to enter the Host Country.

Host Country means any country, other than an Excluded Country, in which an Insured Person is traveling while covered under the Policy.

Imminent Physical Danger means the Insured Person is subject to possible physical injury or sickness that could result in grave physical harm or death.

Missing Person means an Insured Person who disappeared for an unknown reason and whose disappearance was reported to the Appropriate Authority(ies).

Natural Disaster means a storm (wind, rain, snow, sleet, hail, lightning, dust or sand), earthquake, flood, volcanic eruption, wildfire or other similar event that:

1.      is due to natural causes; and

2.      results in such severe and widespread damage that the area of damage is officially declared a disaster area by the government of the Host Country and the area is deemed to be uninhabitable or dangerous.

Nearest Place of Safety means a location determined by the Designated Security Consultant where:

1.      the Insured Person can be presumed safe from the Occurrence that precipitated the Insured Person’s Security Evacuation; and

2.      the Insured Person has access to transportation; and

3.      the Insured Person has the availability of temporary lodging, if needed.

Occurrence means any of the following situations in which an Insured Person finds him or her self while covered by the Policy:

1.      expulsion from a Host Country or being declared persona non-grata on the written authority of the recognized government of a Host Country;
2.      political or military events involving a Host Country, if the Appropriate Authorities issue an Advisory stating that citizens of the Insured Person’s Home Country or citizens of the Host Country should leave the Host Country;
3.      Natural Disaster within 7 days of an event ;
4.      Verified Physical Attack or a Verified Threat of Physical Attack from a third party;
5.      the Insured Person had been deemed kidnapped or a Missing Person by local or international authorities and, when found, his or her safety and/or well-being are in question within 7 days of his or her being found.

Period of Coverage means the period of time during which the Policy is in force with respect to the Insured Person.

Related Costs means food, lodging and, if necessary, physical protection for the Insured Person during the Transport to the Nearest Place of Safety.

Security Evacuation means the extrication of an Insured Person from the Host Country due to an Occurrence which results in the Insured Person being placed in Imminent Physical Danger.

Transport/Transportation means the most efficient and available method of conveyance.  In all cases, where practical, economy fare will be utilized.  If possible, the Insured Person’s common carrier tickets will be used.

Verified Physical Attack means deliberate physical harm of the Insured Person confirmed by documentation or physical evidence.

Verified Threat of Physical Attack means a threat against the Insured Person’s health and safety as confirmed by documentation and/or physical evidence.

For full policy wording, please refer to the policy brochure: The ISP Traveler