EIIA New International Travel Program
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1 EIIA New International Travel Program EIIA Member s Webinar Monday, May 18, 2015 Hosted by: Mary Ellen Moriarty Vice President for Property & Casualty
2 EIIA International Travel Program Who: When: Students, Faculty, Staff, Alumni, Volunteers, Chaperones, Board members, Other Participants, third-country nationals, and Spouses and Children while accompanying covered travelers. For injury, or illness experienced when on an institution-sponsored trip (or immediately before, after, or during such a trip - insured journey or sojourn) Where: Coverage is worldwide EXCEPT the U.S. and its territories/ possessions (Puerto Rico, Guam, etc) Coverage does not apply to travelers when they are in their home country 2
3 EIIA International Program Structure EIIA Travelers participate in over 20,000 trips per year All Assistance The Goal One phone number for all incidents Europ Assistance Int l GL, Auto and WC Medical Political/Natural Disaster Evac. AXIS Kidnap & Ransom Aircraft (NOA) StarNet Insurance Company 3
4 EIIA International Travel Program Part I: Part II: Part III: Part IV: Coverage Protecting the Institutions Emergency Services Protecting your travelers Kidnap & Ransom Non-owned Aircraft 4
5 Part I: Employee Foreign Protection Navigators Insurance Company Section I Foreign Voluntary Compensation Statutory benefit Section II Employers Liability $1,000,000 limit for damages Workers Compensation Benefits: From State of Hire Note the following under the Employee Foreign Protection Cover: - Covers travel outside country of citizenship or residence and within "coverage territory" plus unlimited personal deviation - "Coverage Territory" means anywhere in the world, including international waters or airspace, but excluding the following: U.S. and its territories and possessions, or Puerto Rico - Definition of Employee is amended to include the following: Students, Alumni, Chaperones, Board Members and Trustees. Regarding the 71 local nationals, AXIS confirmed cover would be extended while traveling outside of their country of domicile during "temporary business travel". 5
6 Part I: General Liability Navigators Insurance Company Per Occurrence Limit $1,000,000 Aggregate Limit $2,000,000 Damage, Premises Rented to You $1,000,000 Personal & Advertising Injury $1,000,000 Medical Expense Limit $50,000 Crisis Communication Mgmt. $25,000 Students are named insureds only while directly involved in educational activity. Yes: Student on faculty-led trip to museum accidentally causes damage to art No: Student smashes a car windshield with a fire-ax while drunk 6
7 Part I: Automobile Coverage Navigators Insurance Company Liability Limit $1,000,000 / accident Medical Expense Limit $25,000 Physical Damage Limit on Owned Autos $10,000 /accident, $100,000 aggregate Physical Damage Limit on Hired Autos $25,000 / accident Deductible, Comprehensive or Collision $1,000 / auto Liability Comprehensive Collision Owned Autos (scheduled) Hired Autos Non-Owned Autos EIIA and likely the country of hire requires that your travelers always purchase local rental insurance. 7
8 Part II: Service Provides for Emergency Services Protecting your Travelers AXIS Accident & Health Insurance Company: Is a subsidiary of AXIS Capital which is a Bermuda-based global provider of specialty insurance and services. AXIS Capital and its operating subsidiaries have been assigned a rating of A+ by both Standard & Poor s and A.M.Best. Europ Assistance: Europ Assistance USA (EA) is a part of the Europ Assistance Group, the oldest and most experienced travel assistance network in the world EA has a network of 40 always-open multilingual assistance centers and 420,000 partners in 208 countries throughout the world. 8
9 Part II: Emergency Services Policy Period: August 1, 2015 to August 1, 2018 Policy Terms : 3 year policy term Insured Persons: Students, Faculty, Staff, Alumni, Volunteers, Chaperones, Board Members, Other Participants, third-country nationals other than their country of citizenship or residence, Spouses and Children while accompanying covered travelers. 9
10 Part II: Emergency Services Exclusions Excluded activities: skydiving/parachuting; hang gliding; bungee jumping; mountain climbing; pot-holing; zip-lining; motorcycle riding; and scuba diving unless scuba diving is assigned as part of the curriculum of study for course credit Excluded causes of loss: suicide; AIDS; routine or elective medical care; normal dental; acne; pregnancy or pregnancy related procedures including abortion; and loss due to participation in Specified Athletic Sporting Events 10
11 Part II: Emergency Accident & Sickness Coverage Comparison Emergency Accident & Sickness UnitedHealthcare Europ Assistance Emergency Accident & Sickness $100,000 $100,000 Deductible $250 No Deductible Emergency Medical for Pre-Existing Conditions $3,000 $25,000 Deductible $500 No Deductible Emergency Medical Evacuation $1,000,000 per person $1,000,000 per person Emergency Medical Repatriation $1,000,000 per institution $1,000,000 per incident Political Evacuation $100,000 per Person 100% of Usual and Customary Costs Political Evacuation $100,000 per Event 100% of Usual and Customary Costs Natural Disaster Evacuation $50,000 all participating Institution $100,000 per person Natural Disaster $50,000 all participating Institution $1,000,000 Aggregate Emergency Family Travel $5,000 per incident/$300 per day $5,000 per incident - airfare only 11
12 Part II: Accidental Death & Dismemberment Coverage Comparison UnitedHealthcare Principal Sum Europ Assistance Principal Sum Accidental Death & Dismemberment $200,000 per person $200,000 per person AD&D Aggregate $2,000,000 Per Accident $252,000,0000 Aggregate Air Risk Only $252,000,000 War Risk Felonious Assault - On or Off Premises Coverage not included 10% of Principal Sum subject to a $25,000 maximum Bereavement or Trauma Benefit Coverage not included $250 per session/maximum Sessions - 10 Carjacking Benefit Coverage not included 10% of Principal Sum subject to a $25,000 maximum Coma Coverage not included 1% of Principal Sum - first 11 months; 100% in the 12th month Home Alteration/Vehicle modification Coverage not included 10% of Principal Sum subject to a $25,000 maximum Rehabilitation Coverage not included 10% of Principal Sum subject to a $25,000 maximum Seatbelt Coverage not included 25% of Principal Sum subject to a $50,000 maximum Airbag Coverage not included 10% of Principal Sum subject to a $25,000 maximum Psychological Treatment Benefit Coverage not included 10% of Principal Sum subject to a $25,000 maximum 12
13 Part II: Miscellaneous Services Coverage Comparison Trip Cancellation Trip Interruption Checked, Lost, Stolen Baggage UnitedHealthcare Coverage not included Coverage not included Coverage not included Europ Assistance $2,000 per person/per year - Lifetime Maximum $2,000 $2,000 per person/per year - Lifetime Maximum $2,000 $500 - excludes jewelry, watches, cameras, video recording equipment, I Pads, I Phone, Cell Phones, and all other electronic equipment Loss of Travel Documents Coverage not included $1,000 ID Theft Expense Benefit Coverage not included $1,000 Personal Sojourn Unlimited Unlimited War Risk Cover Coverage not included Yes Pre-Trip Assistance Yes Yes Translation Services Yes Yes Cash Advance Yes Yes Identification of Overseas Legal Services Identification Only Identification Only 13
14 International Program What ISN T covered? Specific sports when representing the institution football, boxing, gymnastics, ice hockey, lacrosse, basketball, baseball, martial arts, rodeo, skiing (water/snow), surfing, swimming, diving, wrestling, or equestrian. Pick-up games are okay. Specific hazardous activities any time skydiving, parachuting, hang gliding, bungee jumping, mountain climbing, caving, zip-lining, motorcycle riding; scuba diving unless part of curriculum. Medical costs associated with suicide attempts Reimbursement for lost/stolen/damaged personal belongings Trips for which the educational or missionary purpose is not primary Evacuation not arranged by Europ Assistance; housing during evacuation Grounding stays stranded or unable to be medically evacuated home Medical Companion coverage not medically necessary/required by doctor 14
15 International Program What Drives Claims? TOP 10 LOSSES, COST/CLAIM TOP 10 LOSSES, FREQUENCY Eye injury Vehicle-related Mental Health Heart-related Allergies Blood clots General Liability Infection/Inflammation Stroke Cyst Gastro-intestinal Infection/Inflammation Strains/Sprains/Bone breaks/cuts Tropical Illnesses Mental Health Organs Allergies Animals/Bugs Assault Vehicle-related Incurred total for 105 Claims, March 2012 July
16 Institution Student Orientation Tools Risk Management University (RMU) videos Coverage Outline versus Coverage Comparison One Page Coverage Summary Brochures 16
17 Risk Management University International Travel - Insurance Basics Description: This is the first of two courses on institution-sponsored international travel. This course focuses on the key components of the EIIA international travel program, including emergency medical expenses and different types of evacuations. There is also an RMU course on pre-travel planning, which covers best practices when preparing for travel, legal responsibilities of the institution and the need to report all claims immediately. Course Run Time: 13 Minutes URL: 17
18 Risk Management University International Travel - Risk Management Considerations Description: This course covers pre-travel planning for international travel, including best practices, legal responsibilities of the institution and the need to report claims immediately. There is also an RMU course on the key components of the EIIA international travel program, including emergency medical expenses and different types of evacuations. Course Run Time: 14 Minutes URL: 18
19 Emergency Accident & Sickness Coverage Emergency Accident & Sickness Europ Assistance Emergency Accident & Sickness $100,000 Deductible No Deductible Emergency Medical for Pre-Existing Conditions $25,000 Deductible Emergency Medical Evacuation Emergency Medical Repatriation Political Evacuation Political Evacuation Natural Disaster Evacuation Natural Disaster Emergency Family Travel No Deductible $1,000,000 per person $1,000,000 per incident 100% of Usual and Customary Costs 100% of Usual and Customary Costs $100,000 per person $1,000,000 Aggregate $5,000 per incident - airfare only 19
20 Accidental Death & Dismemberment Coverage Accidental Death & Dismemberment Europ Assistance Accidental Death & Dismemberment AD&D Aggregate Felonious Assault - On or Off Premises $200,000 per person $252,000,0000 Aggregate Air Risk Only $252,000,000 War Risk 10% of Principal Sum subject to a $25,000 maximum Bereavement or Trauma Benefit $250 per session/maximum Sessions - 10 Carjacking Benefit Coma Home Alteration/Vehicle modification Rehabilitation Seatbelt Airbag Psychological Treatment Benefit 10% of Principal Sum subject to a $25,000 maximum 1% of Principal Sum - first 11 months; 100% in the 12th month 10% of Principal Sum subject to a $25,000 maximum 10% of Principal Sum subject to a $50,000 maximum 25% of Principal Sum subject to a $25,000 maximum 10% of Principal Sum subject to a $25,000 maximum 10% of Principal Sum subject to a $25,000 maximum 20
21 Miscellaneous Services Coverage Miscellaneous Services Europ Assistance Trip Cancellation $2,000 per person/per year - Lifetime Maximum $2,000 Trip Interruption $2,000 per person/per year - Lifetime Maximum $2,000 Checked, Lost, Stolen Baggage $500 - excludes jewelry, watches, cameras, video recording equipment, I Pads, I Phone, Cell Phones, and all other electronic equipment Loss of Travel Documents $1,000 ID Theft Expense Benefit $1,000 Personal Sojourn War Risk Cover Pre-Trip Assistance Translation Services Cash Advance Identification of Overseas Legal Services Unlimited Yes Yes Yes Yes Identification Only 21
22 Miscellaneous Services One Page Coverage Summary 22
23 23
24 24
25 EIIA Communication Materials EIIA website Update for new program Mid June 2015 Europ Assistance security database Launch Date Mid June 2015 EIIA brochures Mailing Date May 25, 2015 Daily global travel updates Mobile Application 25
26 EIIA Website 26
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