International Travel Risk Management It s Not IF, it s WHEN
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1 Mile High SHRM - HR Conference January 23, 2015 International Travel Risk Management It s Not IF, it s WHEN Protecting Assets. Making a Difference. SM
2 Typical Travel Exposure Review Sean Jackson Director of Global Risk IMA, Inc.
3 Business Travel Protection Protection For Employees IMA s Goal: To design and provide comprehensive worldwide Travel Risk Management Programs that provide insurance and pro-active travel assistance services to address employee travel exposures. Coordinated approach with Employee Benefits and P&C 2
4 Travel Risk Exposures Global Medical Exposure International Business Travel Workers Compensation Injury Travel Assistance Services War Risk Natural Disasters Your Business International Travel Security Risks Kidnap & Ransom Evacuations Domestic Business Travel Political Issues & Risks 3
5 Introduction to Travel Risk Management Programs Why necessary? Legal Risk Duty of Care Financial Risk Cost of medical claims and evacuations Productivity Risk Lost time and lost revenue Reputational Risk Protecting your firms reputation and credibility 4
6 Introduction to Travel Risk Management Programs What is included? Medical coverage Foreign Voluntary Workers Comp Repatriation coverage BTA - Accidental Death & Dismemberment coverage DBA- Defense Based Act Kidnap & Ransom Travel Assistance Services Worldwide 24 hours a day Evacuation- Political, Natural Disaster, Medical 5
7 WHY NOT HAVE ONE POLICY THAT TAKES CARE OF ALL TRAVEL EXPOSURES? imacorp.com 6
8 Business Travel Programs Why necessary? To provide global coverage or fill coverage gaps. International restrictions on Domestic Healthcare and Workers Comp plans Domestic Healthcare and Foreign Voluntary WC plans may not cover Medical Evacuations and Repatriations or provide travel services Visiting staff from foreign countries may not have private insurance, or insurance may not be adequate Need to provide coverage in War Risk countries 7
9 Key Elements of Travel Risk Management PREVENTION Travel Risk Intelligence Pre-Travel Training / Screenings Crisis Management Planning MONITORING Itinerary Traveler Tracking GPS/Personnel Tracking Automated Alerts RESPONSE 24/7 Medical & Security Response Advice, Assistance and Evacuation Insurance as the Foundation 8
10 There is a lot at stake 87% Percentage of cases lost by employers in which they were sued by an employee (or his/her survivors) over failure to provide Duty of Care % Percentage of employees who would consider taking legal action against their employer in the event of a mishandled travel emergency Garry Vardon-Smith, senior security advisor for the Americas with Red 24, a global security firm 2. Dr. Lisbeth Claus, human resources professor at Willamette University imacorp.com 9
11 TRM is More Than Response Typical BTA TRM Pre-trip intelligence MAYBE YES Travel assistance YES YES Medical assistance & evacuation YES YES Travel security awareness training YES Traveler tracking YES Proactive security alerts YES Security assistance & evacuation YES Decision-making authority and control YES Full access to ongoing status updates during an incident YES Reporting on program activity YES Dedicated hotline for company employees YES Customized response protocols YES Customized portal with company-specific messaging YES Coordination of Coverage between various insurance plans YES 10
12 With a BTA Policy Alone There is No Real Travel Risk Management NO INFORMATION Did not know how many people you had in Paris and where exactly they are NO COMMUNICATION No efficient means to contact and communicate with affected employees COVERAGE? No coordination of coverage between various insurance plans NO CONTROL If you had coverage, the insurance company decided when to evacuate, not you imacorp.com 11
13 International Medical Policies by Pavlina Sustr Account Executive / Team Leader IMA
14 International Employees Traveler An employee that travels outside of their country of residence for less than 180 annual days Expatriate (Expat) A U.S. national that is living and working abroad for more than 180 days. Third-Country National (TCN) A foreign national working in another country (i.e., an Australian working in France for a U.S. company). Local National A person who lives and works within their own country (i.e., a Spaniard working for a U.S.-owned or affiliated operation in Spain). 13
15 International Medical Traveler Plan Primary medical plan that is active only outside an employee s country of residence or assignment. Provides coverage for non-routine care Urgent or Emergency services such as flu, broken limb, heart attack Majority of claims paid directly by medical plans- limited financial exposure to employee Access to a credentialed international network of physicians Coverage can be extended to traveling dependents Evacuation & Repatriation included 24 hour toll free or online access to customer service & clinicians Extensive online tools; Country guides, pharmacy translation, customer service and provider directories Cost is an annual premium that is based on the average number of travelers, average number of annual trips per traveler, average number of days per trip. 14
16 International Medical Traveler Plan International Health Care Challenges for Business Travelers Finding quality medical care Paying for emergency care in countries where no networks or pre-arranged payment systems exist Medical evacuation/repatriation Non-Western based medical treatments and procedures 15
17 International Medical Traveler Plan International Health Care Administrative Challenges Communicating with an insurance company or health care providers up to 12 times zones away Translating claim forms Paying claims in foreign currencies Mail and banking delays inherent in paying international claims Direct payment to providers Fraud 16
18 Expatriate Medical Plans Replace the employee s domestic policy. Include medical, pharmacy, dental and vision coverage Benefits typically paid at 100% by plan through direct payments from medical carrier Access to a credentialed international network of physicians Evacuation & Repatriation included Plan designs are Indemnity style plans 24 hour toll free or online access to customer service & clinicians Extensive online tools; Country guides, pharmacy translation, customer service and provider directories For a group policy need a minimum of 2 expatriates. Limited options for individual plans which are medically underwritten Cost is an annual premium that is based on the age of expatriates and medical plan 17
19 What can possibly go wrong? A Travel & Accident Scenario by Tyler Keagy, EVP Vetted International
20 VETTED INTERNATIONAL TRAVEL ASSISTANCE Added safety without extra weight in your suitcase imacorp.com 19
21 It s not if it can happen, It s when. What could possibly go wrong?
22 Travel Assistance Complements Insurance INSURANCE Provides health and medical coverage while traveling Provides protection for monetary losses related to trip interruption, cancellation or lost baggage Financial reimbursement TRAVEL ASSISTANCE 24/7/365 multilingual emergency coordination of medical evacuations, briefings and education on your travel destination, concierge services, and non-emergency assistance Ideal for the business traveler who is seeking personal assistance abroad. 21
23 It s not if it can happen, it s when Lost Item Search/Replacement
24 It s not if it can happen, it s when Pre-Trip Medical Referral Information Emergency Medication Embassy and Consular Information Lost Document Assistance Emergency Message Transmission Legal Access Translation & Interpreters Benefits Verification & Claims Assistance Emergency Family Travel Arrangements Return of Vehicle Destination Profiles Concierge Style Services Event Ticketing Floral Services Hotel Accommodations Meet & Greet Services Pre-Trip Assistance Procurement of hard to find items Restaurant Referrals & Reservations Rental Car Reservations Commercial Airline Reservations Assistance Lines
25 Who Can Benefit From Travel Assistance Services? People traveling for leisure purposes Families Religious/Mission trip members Volunteer teachers Study abroad students Business Travelers 24
26 Real Life Scenarios Emergency Medical/ Political Evacuations Repatriations Prescription or eyeglass replacement Medical and dental appointments Legal referrals Access to emergency cash 25
27 Real Life Scenarios Language translation Lost document assistance Electronic travel alerts and safety advisories DNA banking for traveling staff for positive identification Workplace injuries 26
28 You get a flat tire traveling down the road who do you call? 27
29 One Card One Number Complete Coordination Vetted International CLIENT NAME imacorp.com 28
30 Publicly Accessible Tools U.S. State Department Website CIA World Fact Book Website Centers for Disease Control Website News Websites & Google News Alerts (Keywords) Push Notifications Translation Apps (*Limitations*) Currency Converters Avoid Posting to Social Media Before and While Traveling
31 Contact Information Tyler Keagy, EVP Vetted International
32 Travel Risk Management
33 In Summary The Need for Travel Risk Management Types of International Insurance Plans How insurance fits into your Travel Risk Management program 32 32
34 Insurance Is Not Enough Most assistance contracts attached to insurance products provide travel assistance only. Traditional travel assistance is reactive and is not the same as travel risk management. Pre-Trip Intelligence & Training Political/Natural Disaster Assistance & Evacuation Traveler Tracking Traditional Travel Assistance Travel Risk Management is Proactive Not Reactive 33
35 How Does IMA Help You? IMA can arrange a Travel Risk Management program that: Improves traveler experience Purchase and coordinate policies / contracts Gives the company one phone number for all needs, travel, medical and/or security Employees know who to contact when they need assistance Empower the organization Proper insurance coverage Quality assistance services Protected your organization s reputation Reduced internal burden and traveler confusion Developed procedures to involve other providers as required based on traveler need
36 QUESTIONS?
Copyright 2013 Cover Agency Ltd.
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