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.

TRAUMA COUNSELLING

We provide survivors of critical incidents, ranging from accidents, bodily injury, kidnap, unlawful detention and terrorist and active assailant attacks with emergency on site response and post event trauma counselling.

RANSOM

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

SMART APP RISK SERVICES

Access to a free smart travel app giving a red button alert service, pre travel country reports, and live incident feeds.

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
  • Trauma Counselling - provides post event specialist care for physical or psychological trauma backed by a network of clinical incident therapists
  • 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.
Capability of timely deployment of highly trained staff to the incident area or other agreed location including for trauma counsellingHotspot Cover has chosen to partner with Northcott Global Services [NGS] as their Emergency Assistance andSecurity Incident Provider. NGS are industry leading experts in their field and have a proven capability inhandling serious incidents and evacuations in any part of the world…. including the most hazardous.

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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