COVID-19 - We cover COVID - Key Facts when travelling with us view our latest advice

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

What's Covered

Medical Expenses

We will cover you for emergency medical expenses incurred on your trip caused by an accident or illness and including evacuation to a nearby hospital or elsewhere as appropriate.

Medical Assistance and Evacuation

24/7 emergency medical assistance and repatriation expenses to ensure you are looked after in stressful situations.

Personal Accident Cover

We will cover you for bodily injury or accidental death occurring from an unforeseen event such as road traffic accident or terrorist attack. Bodily injury includes permanent total disability.

CRISIS RESPONSE

We provide response costs for wrongful detention or kidnap. You will have access to a 24hr global security centre, costs of an interpreter or the deployment of a specialist security consultant to assess your situation and provide advice.

SEARCH AND RESCUE

Costs to assist and trigger Mountain Rescue, Coastguard or National Air/Sea rescue that responds for a threat to your life or if you go missing or get injured or seriously ill & whilst travelling off the beaten track..

POLITICAL & CRISIS EVACUATION

You will have access to deployment of specialist security consultants in case political evacuation is required.

NATURAL DISASTER & CATASTROPHE EVACUATION

We are on stand-by for your evacuation or movement to safety should you be in imminent danger or suffer harm as a result of natural occurrences such as earthquake, flood, tsunami, wildfire or volcanic eruption.

RANSOM

You will be indemnified for a payment surrendered on behalf of the insured to meet part of a kidnap demand

Key Features:

  • Injury, and Accidental Death benefits
  • Emergency Medical Expenses and Evacuation with Covid-19
  • Crisis Response cover for terrorism, kidnap and abduction
  • Political and Natural Disaster Response & Evacuation cover
  • Search and Rescue expenses
  • Emergency Response backed by a 24/7 call centre plus an alert system and travel tracking all available to the traveller on their Smartphone
  • Funeral expenses & repatriation of mortal remains in case of death overseas
  • Compassionate family member travel and/or escort home costs
  • Catastrophe & Terrorist Incident Disruption benefits
  • Comprehensive benefits meet both a duty of care and corporate social responsibility

Key services:

  • You are supported by a 24/7/365 day emergency assistance call centre.
  • Specialist first responders are on hand with multilingual capabilities and qualified medical staff.
  • Medical evacuation and repatriation to designated centres of excellence, and/or medical escort back home.
  • Message relay service to relatives or business associates.
  • Pre travel advice and access to the latest country reports and advice.
  • Free Access to a smart phone app with emergency red button alert service.
  • Free access to a travel tracking App with time incident alert service.
  • Security Services & Cover
  • Crisis 24/7/365 global security hotline triage and response.
  • Security incident and evacuation management in response to a political threat, natural disaster, act of terrorism, hijack, kidnap or wrongful detention.
  • Global expert consultants on stand by to provide initial assessment and advice and include trained clinicians in PTSD
  • Ransom payment indemnification limit of USD 250,000.
  • Inherent Risks provides seamless medical assistance services for business travellers, policy holders and private clients, in the most popular tourist destinations, and the most remote and complex regions around the world.
  • Experienced 24/7 multilingual assistance platform is staffed by fully qualified and experienced doctors, nurses, paramedics and risk advisory specialists who provide immediate advice and recommendations, enabling our clients to make informed decisions. In addition, Inherent Risks employ and retain ground agents who are located around the world, and specialists within their regions.
  • Through the extensive, independent provider network, we are able to offer instant medical referrals and case monitoring, expedite the process of obtaining medical records and expenses, provide cost containment solutions, issue immediate guarantees of payment, and obtain fit-to-fly letters.

Hotspot Cover’s comprehensive insurance works in partnership with their dedicated assistance providers to give you peace of mind for all covered emergencies. We provide a safe and steady pair of hands to manage your high risk travel needs and can respond anywhere in the world.

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Terms, conditions, limits and exclusions apply. Please refer to the Policy Wording. Policies are underwritten by Opportuna Insurance PCC Limited - Inherent 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 Inherent Risks Cell is 100% subscribed to Inherent Advisory Services 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.

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