Crisis response insurance offers assistance for victims of violent crimes, wrongful detention, mysterious disappearance, kidnapping, blackmail, extortion, political threats, hijacking, and acts of terrorism.
Most travellers go to happy nice places where the biggest crime is the fat guy in speedos. For these folks, basic travel medical insurance should be just fine.
Other travellers visit more challenging places. Headed somewhere that’s remote, unstable, a conflict zone, or all three? You need insurance that covers more than a sunburn. And that’s where Crisis Response Insurance comes in.
Often added to an existing package, this kind of plan doesn’t cover medical emergencies. That’s what your travel medical insurance is for. Crisis response assistance connects the person in crisis with a team who can fix the problem.
How does it work?
Something bad happens. You call the hotline. Crisis response teams can deploy lawyers who understand local law and customs, provide a liaison with relevant officials and offer negotiating support. You can access a security consultant. If things get really bad, some plans cover evacuation to safety. Once the smoke clears, many policies offer post-trauma counselling.
Who needs it?
Criminals target victims according to need.
For those interested in having access to the media, a journalist going deep into hostile territory is easy pickings. Business travellers stand out sartorially, in business suits that indicate money. International students are trusting and must have rich parents, right?
When buying, be sure to read the service contract carefully. If you are evacuated to another region, are you still covered by your travel medical insurance? Does the assistance provider have local teams in place in your area? If not, how long until help arrives? In the event of an incident, what is the best way to contact your assistance company?
One of the best ways to avoid the heat is to know something about the kitchen. Do some research, ask around, and follow the news. Consider Hostile Environment Training, or at least a first aid refresher course.
Crisis response insurance won’t replace common sense. Or fix a region’s woes. But it does offer policyholders access to experts when crisis strikes.