EIIA New International
Travel Program
EIIA Member’s Webinar
Monday, May 18, 2015
Hosted by:
Mary Ellen Moriarty
Vice President for Property & Casualty
EIIA International Travel Program
Who:
Students, Faculty, Staff, Alumni, Volunteers, Chaperones, Board
members, “Other Participants”, third-country nationals, and Spouses
and Children while accompanying covered travelers.
When:
For injury, or illness experienced when on an institution-sponsored trip
(or immediately before, after, or during such a trip - “insured journey” or
sojourn)
Where: Coverage is worldwide EXCEPT the U.S. and its territories/
possessions (Puerto Rico, Guam, etc)
Coverage does not apply to travelers when they are in their home country
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EIIA International Program Structure
EIIA Travelers participate in
over 20,000 trips per year
All
Assistance
The Goal – One phone number for all incidents
Europ Assistance +1-240-330-1551
Int’l GL, Auto
and WC
Medical
Political/Natural
Disaster Evac.
AXIS
Kidnap &
Ransom
Aircraft
(NOA)
StarNet
Insurance
Company
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EIIA International Travel Program
Part I:
Coverage Protecting the Institutions
Part II:
Emergency Services Protecting your
travelers
Part III:
Kidnap & Ransom
Part IV:
Non-owned Aircraft
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Part I: Employee Foreign Protection
Navigators Insurance Company
Section I
Foreign Voluntary Compensation
Statutory benefit
Section II
Employers Liability
$1,000,000 limit for damages
Workers Compensation Benefits:
From State of Hire
Note the following under the Employee Foreign Protection Cover:
-
Covers travel outside country of citizenship or residence and within "coverage territory"
plus unlimited personal deviation
- "Coverage Territory" means anywhere in the world, including international waters or
airspace, but excluding the following: U.S. and its territories and possessions, or Puerto Rico
- Definition of Employee is amended to include the following: Students, Alumni,
Chaperones, Board Members and Trustees. Regarding the 71 local nationals, AXIS
confirmed cover would be extended while traveling outside of their country of domicile during
"temporary business travel".
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Part I: General Liability
Navigators Insurance Company
• Per Occurrence Limit
$1,000,000
• Aggregate Limit
$2,000,000
• Damage, Premises Rented to You
$1,000,000
• Personal & Advertising Injury
$1,000,000
• Medical Expense Limit
$50,000
• Crisis Communication Mgmt.
$25,000
Students are named insureds only while directly involved in educational activity.
Yes:
Student on faculty-led trip to museum accidentally causes damage to art
No:
Student smashes a car windshield with a fire-ax while drunk
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Part I: Automobile Coverage
Navigators Insurance Company
•
Liability Limit
$1,000,000 / accident
•
Medical Expense Limit
$25,000
•
Physical Damage Limit on Owned Autos $10,000 /accident, $100,000 aggregate
•
Physical Damage Limit on Hired Autos
$25,000 / accident
•
Deductible, Comprehensive or Collision
$1,000 / auto
Liability
Comprehensive
Collision



Owned Autos (scheduled)



Hired Autos

Non-Owned Autos
EIIA and likely the country of hire requires that your travelers always purchase local
rental insurance.
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Part II: Service Provides for
Emergency Services Protecting your
Travelers
AXIS Accident & Health Insurance Company:
Is a subsidiary of AXIS Capital which is a Bermuda-based global provider of
specialty insurance and services. AXIS Capital and its operating subsidiaries
have been assigned a rating of A+ by both Standard & Poor’s and A.M.Best.
Europ Assistance:
Europ Assistance USA (EA) is a part of the Europ Assistance Group, the
oldest and most experienced travel assistance network in the world EA has
a network of 40 always-open multilingual assistance centers and 420,000
partners in 208 countries throughout the world.
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Part II: Emergency Services
•
Policy Period:
August 1, 2015 to August 1, 2018
•
Policy Terms :
3 year policy term
•
Insured Persons:
Students, Faculty, Staff, Alumni, Volunteers,
Chaperones, Board Members, “Other Participants”,
third-country nationals other than their country of
citizenship or residence, Spouses and Children
while accompanying covered travelers.
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Part II: Emergency Services
Exclusions
•
Excluded activities: skydiving/parachuting; hang gliding; bungee jumping;
mountain climbing; pot-holing; zip-lining; motorcycle riding; and scuba
diving – unless scuba diving is assigned as part of the curriculum of study
for course credit
•
Excluded causes of loss: suicide; AIDS; routine or elective medical care;
normal dental; acne; pregnancy or pregnancy related procedures including
abortion; and loss due to participation in Specified Athletic Sporting Events
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Part II: Emergency Accident & Sickness
Coverage Comparison
Emergency Accident & Sickness
UnitedHealthcare
Europ Assistance
Emergency Accident & Sickness
$100,000
$100,000
Deductible
$250
No Deductible
Emergency Medical for Pre-Existing Conditions
$3,000
$25,000
Deductible
$500
No Deductible
Emergency Medical Evacuation
$1,000,000 per person
$1,000,000 per person
Emergency Medical Repatriation
$1,000,000 per institution
$1,000,000 per incident
Political Evacuation
$100,000 per Person
100% of Usual and Customary Costs
Political Evacuation
$100,000 per Event
100% of Usual and Customary Costs
Natural Disaster Evacuation
$50,000 all participating Institution
$100,000 per person
Natural Disaster
$50,000 all participating Institution
$1,000,000 Aggregate
Emergency Family Travel
$5,000 per incident/$300 per day
$5,000 per incident - airfare only
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Part II: Accidental Death & Dismemberment
Coverage Comparison
UnitedHealthcare
Europ Assistance
Principal Sum
Principal Sum
Accidental Death & Dismemberment
$200,000 per person
$200,000 per person
AD&D Aggregate
$2,000,000 Per Accident
$252,000,0000 Aggregate Air Risk Only
$252,000,000 War Risk
Felonious Assault - On or Off Premises
Coverage not included
10% of Principal Sum subject to a $25,000 maximum
Bereavement or Trauma Benefit
Coverage not included
$250 per session/Maximum Sessions - 10
Carjacking Benefit
Coverage not included
10% of Principal Sum subject to a $25,000 maximum
Coma
Coverage not included
1% of Principal Sum - first 11 months; 100% in the
12th month
Home Alteration/Vehicle modification
Coverage not included
10% of Principal Sum subject to a $25,000 maximum
Rehabilitation
Coverage not included
10% of Principal Sum subject to a $25,000 maximum
Seatbelt
Coverage not included
25% of Principal Sum subject to a $50,000 maximum
Airbag
Coverage not included
10% of Principal Sum subject to a $25,000 maximum
Psychological Treatment Benefit
Coverage not included
10% of Principal Sum subject to a $25,000 maximum
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Part II: Miscellaneous Services
Coverage Comparison
UnitedHealthcare
Europ Assistance
Trip Cancellation
Coverage not included
$2,000 per person/per year - Lifetime Maximum
$2,000
Trip Interruption
Coverage not included
$2,000 per person/per year - Lifetime Maximum
$2,000
Checked, Lost, Stolen Baggage
Coverage not included
$500 - excludes jewelry, watches, cameras, video
recording equipment, I Pads, I Phone, Cell Phones,
and all other electronic equipment
Loss of Travel Documents
Coverage not included
$1,000
ID Theft Expense Benefit
Coverage not included
$1,000
Personal Sojourn
Unlimited
Unlimited
War Risk Cover
Coverage not included
Yes
Pre-Trip Assistance
Yes
Yes
Translation Services
Yes
Yes
Cash Advance
Yes
Yes
Identification of Overseas Legal Services Identification Only
Identification Only
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International Program
What ISN’T covered?
•
Specific sports when representing the institution – football, boxing, gymnastics,
ice hockey, lacrosse, basketball, baseball, martial arts, rodeo, skiing
(water/snow), surfing, swimming, diving, wrestling, or equestrian. Pick-up
games are okay.
•
Specific hazardous activities any time – skydiving, parachuting, hang gliding,
bungee jumping, mountain climbing, caving, zip-lining, motorcycle riding; scuba
diving unless part of curriculum.
•
Medical costs associated with suicide attempts
•
Reimbursement for lost/stolen/damaged personal belongings
•
Trips for which the educational or missionary purpose is not primary
•
Evacuation not arranged by Europ Assistance; housing during evacuation
•
“Grounding” stays – stranded or unable to be medically evacuated home
•
Medical Companion coverage not medically necessary/required by doctor
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International Program
What Drives Claims?
TOP 10 LOSSES, COST/CLAIM
TOP 10 LOSSES, FREQUENCY
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
•
Eye injury
Vehicle-related
Mental Health
Heart-related
Allergies
Blood clots
General Liability
Infection/Inflammation
Stroke
Cyst
Gastro-intestinal
Infection/Inflammation
Strains/Sprains/Bone breaks/Cuts
Tropical Illnesses
Mental Health
Organs
Allergies
Animals/Bugs
Assault
Vehicle-related
Incurred total for 105 Claims, March 2012 – July 2014
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Institution Student Orientation Tools
• Risk Management University (RMU) videos
• Coverage Outline versus Coverage
Comparison
• One Page Coverage Summary
• Brochures
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Risk Management University
• International Travel - Insurance Basics
Description:
This is the first of two courses on institution-sponsored international
travel. This course focuses on the key components of the EIIA
international travel program, including emergency medical expenses
and different types of evacuations.
There is also an RMU course on pre-travel planning, which covers best
practices when preparing for travel, legal responsibilities of the
institution and the need to report all claims immediately.
Course Run Time: 13 Minutes
URL: http://hosting.desire2learncapture.com/eiiarmu/1/Watch/90.aspx
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Risk Management University
• International Travel - Risk Management
Considerations
Description:
This course covers pre-travel planning for international travel, including
best practices, legal responsibilities of the institution and the need to
report claims immediately.
There is also an RMU course on the key components of the EIIA
international travel program, including emergency medical expenses
and different types of evacuations.
Course Run Time: 14 Minutes
URL: http://hosting.desire2learncapture.com/eiiarmu/1/Watch/91.aspx
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Emergency Accident & Sickness
Coverage
Emergency Accident & Sickness
Europ Assistance
Emergency Accident & Sickness
$100,000
Deductible
No Deductible
Emergency Medical for Pre-Existing Conditions
$25,000
Deductible
No Deductible
Emergency Medical Evacuation
$1,000,000 per person
Emergency Medical Repatriation
$1,000,000 per incident
Political Evacuation
100% of Usual and Customary Costs
Political Evacuation
100% of Usual and Customary Costs
Natural Disaster Evacuation
$100,000 per person
Natural Disaster
$1,000,000 Aggregate
Emergency Family Travel
$5,000 per incident - airfare only
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Accidental Death & Dismemberment
Coverage
Accidental Death &
Dismemberment
Europ Assistance
Accidental Death & Dismemberment
$200,000 per person
AD&D Aggregate
$252,000,0000 Aggregate Air Risk Only
$252,000,000 War Risk
Felonious Assault - On or Off Premises
10% of Principal Sum subject to a $25,000 maximum
Bereavement or Trauma Benefit
$250 per session/Maximum Sessions - 10
Carjacking Benefit
10% of Principal Sum subject to a $25,000 maximum
Coma
1% of Principal Sum - first 11 months; 100% in the 12th month
Home Alteration/Vehicle modification
10% of Principal Sum subject to a $25,000 maximum
Rehabilitation
10% of Principal Sum subject to a $50,000 maximum
Seatbelt
25% of Principal Sum subject to a $25,000 maximum
Airbag
10% of Principal Sum subject to a $25,000 maximum
Psychological Treatment Benefit
10% of Principal Sum subject to a $25,000 maximum
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Miscellaneous Services Coverage
Miscellaneous Services
Europ Assistance
Trip Cancellation
$2,000 per person/per year - Lifetime Maximum $2,000
Trip Interruption
$2,000 per person/per year - Lifetime Maximum $2,000
Checked, Lost, Stolen Baggage
$500 - excludes jewelry, watches, cameras, video recording equipment, I
Pads, I Phone, Cell Phones, and all other electronic equipment
Loss of Travel Documents
$1,000
ID Theft Expense Benefit
$1,000
Personal Sojourn
Unlimited
War Risk Cover
Yes
Pre-Trip Assistance
Yes
Translation Services
Yes
Cash Advance
Yes
Identification of Overseas Legal Services
Identification Only
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Miscellaneous Services
One Page Coverage Summary
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EIIA Communication Materials
 EIIA website – Update for new program –
Mid June 2015
 Europ Assistance security database –
Launch Date – Mid June 2015
 EIIA brochures – Mailing Date – May 25,
2015
 Daily global travel updates
 Mobile Application
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EIIA Website
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