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.


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.


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..


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


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.


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.
  • 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, Global Guardian 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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