Terms, conditions, limits and exclusions apply. Please refer to the Policy Wording. Policies are underwritten by Opportuna Insurance PCC Limited - International Risks Cell, a Protected Cell Company (PCC), licensed in the Bailiwick of Guernsey, authorised and regulated by the Guernsey Financial Services Commission (GFSC) under registration number 2690930. Share capital in International Risks Cell is 100% subscribed to Hotspot Cover DAC, is a Designated Activity Company, registered in Ireland (632153), authorised and regulated under part 16 of the Companies Act 2014. Hotspot Cover is backed with reinsurance capacity by certain underwriters at Lloyd's of London.

FAQs

Who are and what is Hotspot Cover?

Does Hotspot Cover provide cover where travel authority or Government agency has advised against travel?

How does Hotspot Cover differ from standard travel insurance?

Does Hotspot Cover cover me for COVID-19?

What are the main travel insurance benefits and coverage of Hotspot Cover policies?

Is the premium a one-off payment?

Will I be covered if I am injured in the country of my domicile?

Who receives the benefit in the event of my death?

Can I buy an alternative sum insured or benefits to the one offered in the policy for personal accident and medevac?

What are the emergency medical evacuation and medical expense benefits?

What happens if I have a medical emergency?

What will Global Guardian arrange on my behalf?

Who do I contact if I am ill or injured when I am travelling or have a claim?

Do I receive ongoing or “follow on” medical treatment or cover for personal accident under this policy when I return to my country of domicile?

Does Hotspot Cover’s insurance cover war and terrorism?

Does Hotspot Cover’s insurance policy cover travel to hazardous and high risk countries such as Syria, Iraq and Afghanistan, Libya, Pakistan, Sudan, South Sudan, Democratic Republic of Congo, Venezuela, Yemen, Nigeria and Somalia and Mexico?

Does it cover me for my dangerous job and hazardous occupation?

If I am hospitalised overseas can I fly a family member or friend to assist me?

Do you cover NGO workers or volunteer jobs?

Why do I need war and terrorism cover in the more benign areas of the world?

Can I get cover for leisure travel, even if I’m not travelling for business?

Does it cover travel delay or baggage and personal items when travelling?

What is the minimum and maximum policy period you offer?

What age is eligible to purchase Hotspot Cover Insurance?

Can I purchase the cover on behalf of my travelling group?

Can my company or association be the name on the policy (the named insured)?

Can I extend my policy if I plan to extend my trip for a longer period or go to another country not previously advised to Hotspot Cover?

Will I be covered if I have an illness or injury which is attributed to a pre-existing medical condition?

Am I covered if I drink alcohol to intoxication or have taken drugs?

Am I covered if I am taking part in an armed forces operation?

Am I covered for air travel delays?

Will I be covered when I engage in all sporting and other leisure activities?

Am I covered if I die whilst overseas?

What am I covered for under the Crisis Response, Kidnap and Ransom cover?

What are terrorism disruption benefits?

Can I buy the policy for Crisis Response without buying the personal accident and emergency medical expenses and evacuation policy?

Can I buy an alternative sum insured from Hotspot Cover to the one offered in the policy for crisis response and ransom payment?

If I am detained by an unauthorised body or kidnapped with whom do I or my representatives make contact?

Under what circumstances might I be evacuated from the country I am visiting?

Who will give me assistance if I am detained or taken hostage?

Am I covered for the cost of response incurred if I am detained, taken hostage or kidnapped?

Will I be reimbursed under this insurance for any ransom payments?

Who do I contact in the event of a Crisis, Security emergency or kidnap and potential claim for assistance under this section?

Is Hotspot Cover’s online payment process secure?

Can I get cover for countries I am travelling through?