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We do not have any policy exclusions or small print that invalidates cover for travel to a country that is subject to a ‘do not travel advisory’ for either security concerns or COVID-19, such as amber or red travel watch lists See FAQ
For emergency medical assistance or incident response, please contact Inherent Risks via email at email@example.com or call +44 (0)208 089 3735 and quote “HOTSPOT” to the operator.
Most insurers do not offer such cover under traditional travel insurance policies or exclude it. Terrorism has risen sharply in recent decades across both hazardous countries (such as Iraq, Syria, Somalia and Afghanistan) as well as across mainland Europe. Hotpsot Cover policies do not exclude war and terrorism in any part of the world or country (except for North Korea and Iran).
Hotspot Cover can provide travel cover for 1 to 365 days thereby covering short and annual length trips.
Yes, please add the name of the company or association in the online application form. Please note we still require the names and date of birth of each traveller.
Hotspot Cover insurance does not cover insurance backed claims for neuroses, psychoneurosis, psychopathies, or psychoses, anxiety, stress, fatigue or any mental or emotional diseases or disorders. We do however offer a trauma counselling service through MBL GLOBAL. This counselling is provided should you suffer physical or psychological trauma. We have access to a 24/7 call centre specifically for this and it allows for on site and/or post event trauma counselling that can continue when you are back home. MBL GLOBAL provide a network of specialist trauma counsellors.
Under the (optional) Crisis section we will indemnify you up to USD 3,000 for any additional costs for a delay to your outward or return journey caused by an act of terrorism and where you need to make alternative arrangements and where you are left out of pocket or this is not recoverable under any other insurance.