Managing and insuring travel risk involves more than planning for a single trip abroad — it’s having one’s lifestyle properly insured no matter the location.
Learn more here: https://www.hubinternational.com/blog/2022/01/insuring-travel-risk/
Going Abroad Your Destination May Require Visitor Insurance_.pdfVisitors Guru
Are you traveling overseas? Did you get the most important thing needed for travel? Are you thinking about outfits, accessories, and medications? You might be missing out on a crucial component of your travel bucket list – travel medical insurance. different countries across the globe are coming up with travel-related mandates for overseas visitors. So, if you are all set to embark on your first international trip in the post-pandemic world, so check out this infographic to confirm if your destination requires travel medical insurance or visitor insurance or not.
Is Your Family Visiting You This Summer Here Are The Major Points To Keep In ...Visitors Guru
Are your family or friends visiting you this summer? There are a couple of crucial pointers among travel medical insurance that you need to keep in your mind.
In 2023, when it comes to travel health insurance, it's crucial to stay well-informed about the popular and genuine options available. Traveling without adequate coverage can lead to unforeseen financial burdens and potential health risks. Prioritize your well-being and peace of mind by understanding the essentials of travel health insurance.
First and foremost, ensure your chosen insurance plan offers comprehensive medical coverage for emergencies, accidents, and illnesses abroad. Verify that it includes medical evacuation and repatriation services, as these can be incredibly costly without insurance.
Next, consider the coverage limits and exclusions of the policy. Look for plans that have high coverage limits, especially in countries with expensive medical services. Read the fine print to be aware of any pre-existing conditions that might not be covered.
Additionally, evaluate the insurer's reputation and customer reviews to determine their reliability in handling claims and providing assistance during emergencies. A reputable insurance provider can make all the difference in a crisis.
Travel health insurance should also address non-medical aspects, such as trip cancellation or interruption coverage. This ensures reimbursement for prepaid expenses in case unforeseen events disrupt your travel plans.
Before purchasing a policy, compare multiple options to find the one that best fits your travel needs and budget. Seek advice from travel experts or insurance professionals if you're uncertain about the terms and conditions.
Remember, never compromise on travel health insurance; it's a vital investment in safeguarding your well-being while exploring new horizons in 2023.
Statement for the media briefing for the re opening of the borders for intern...SABC News
On 15 March 2020 President Cyril Ramaphosa announced the National State of Disaster in terms of the Disaster Management Act. In his address President Ramaphosa announced that government was taking urgent and drastic measures to manage the spread of COVID-19 infections, protect the people of this country and reduce the impact of the virus on the society and the economy.
Going Abroad Your Destination May Require Visitor Insurance_.pdfVisitors Guru
Are you traveling overseas? Did you get the most important thing needed for travel? Are you thinking about outfits, accessories, and medications? You might be missing out on a crucial component of your travel bucket list – travel medical insurance. different countries across the globe are coming up with travel-related mandates for overseas visitors. So, if you are all set to embark on your first international trip in the post-pandemic world, so check out this infographic to confirm if your destination requires travel medical insurance or visitor insurance or not.
Is Your Family Visiting You This Summer Here Are The Major Points To Keep In ...Visitors Guru
Are your family or friends visiting you this summer? There are a couple of crucial pointers among travel medical insurance that you need to keep in your mind.
In 2023, when it comes to travel health insurance, it's crucial to stay well-informed about the popular and genuine options available. Traveling without adequate coverage can lead to unforeseen financial burdens and potential health risks. Prioritize your well-being and peace of mind by understanding the essentials of travel health insurance.
First and foremost, ensure your chosen insurance plan offers comprehensive medical coverage for emergencies, accidents, and illnesses abroad. Verify that it includes medical evacuation and repatriation services, as these can be incredibly costly without insurance.
Next, consider the coverage limits and exclusions of the policy. Look for plans that have high coverage limits, especially in countries with expensive medical services. Read the fine print to be aware of any pre-existing conditions that might not be covered.
Additionally, evaluate the insurer's reputation and customer reviews to determine their reliability in handling claims and providing assistance during emergencies. A reputable insurance provider can make all the difference in a crisis.
Travel health insurance should also address non-medical aspects, such as trip cancellation or interruption coverage. This ensures reimbursement for prepaid expenses in case unforeseen events disrupt your travel plans.
Before purchasing a policy, compare multiple options to find the one that best fits your travel needs and budget. Seek advice from travel experts or insurance professionals if you're uncertain about the terms and conditions.
Remember, never compromise on travel health insurance; it's a vital investment in safeguarding your well-being while exploring new horizons in 2023.
Statement for the media briefing for the re opening of the borders for intern...SABC News
On 15 March 2020 President Cyril Ramaphosa announced the National State of Disaster in terms of the Disaster Management Act. In his address President Ramaphosa announced that government was taking urgent and drastic measures to manage the spread of COVID-19 infections, protect the people of this country and reduce the impact of the virus on the society and the economy.
Effect Of COVID-19 On Global Tourism The Full Report (September Update)ArabiaHorizonsTours
In 2020, the tourism industry has suffered from a hiatus as many countries were locked down because of the COVID-19 pandemic. This caused devastating economic consequences in countries highly dependent on tourism. In this report, we examine the current trends as countries reopen and what effect this will have on the tourism industry.
5 Travels And Tourism Industry Trends During Covid-19aNumak & Company
Tourism is one of the world's major economic sectors and also one of the most affected due to pandemics. The tourism industry is coming back on track again by following some of the trends that have emerged worldwide, as a result of the pandemic.
The pre-travel COVID-19 test is not merely a bureaucratic requirement but a pivotal step in the responsible traveler's journey. It serves as a personal health check, a community safeguard, and a global responsibility. As we embark on adventures once again, let's prioritize safety, respect entry protocols, and contribute to the collective effort to overcome the challenges posed by the pandemic. After all, responsible travel is not just about the destination; it's about the journey we take together, safely and thoughtfully. Visit us now for the better results at https://www.globaltravelclinics.com/
We are delighted that you have decided to read the most recent article in our magazine, which focuses on travel and tourism and includes a variety of connected subjects.
A significant number of people have indicated a desire to restart their journeys and become more knowledgeable about the customs of other nations once the world has completely recovered from the debilitating effects of the COVID-19 epidemic.
However, because new rules concerning health and safety have been implemented, it is absolutely necessary for people who are going on vacation to keep themselves informed and to take the appropriate preparations in order to ensure that their trips will be enjoyable while also being risk-free.
Vacationers who are interested in successfully navigating the tourist environment that the epidemic has left in its wake and having enjoyable and enlightening travel experiences as a direct result of their journeys as a direct result of their travels as a direct result of their vacations will find the following article to be of assistance.
Role of Audit in Economic Recovery-Post Pandemic-SAI IndiaAsosaiJournal
The coronavirus recession also known as the Great Lockdown or the Great shutdown is a severe global recession since Great Depression 1929-30. It has resulted in shutdown of many businesses like aviation, automobile, hospitality, rail transport etc. causing massive job losses world over.
Holiday Travel in COVID-19 Times: 10 Safety TipsStarStat
COVID- Travel is more safer now than it was this time last year thanks to 19 immunizations, but you should still take measures.
A plane flies over low clouds and mountains with an autumn forest in the background. With a passenger plane, trees, mountains, and a blue hazy sky, this is a stunning landscape.
Holiday Travel in COVID-19 Times: 10 Safety Tips
Even if you've been vaccinated, several international destinations demand that you take a COVID-19 test before visiting.
The COVID-19 pandemic has forced most people to stay home to prevent the spread of the virus. Front liners such as physicians, nurses, medical staff, and essential services workers are the only ones allowed to go out of their homes to serve the public. Jessica Leonard.
What Is Visitor Insurance And Do I Need It_.pdfVisitors Guru
To avoid the harmful things that occur unpredictably, taking visitors insurance plan must be in your priority list. Visitor insurance has become more popular nowadays with the rise of the tourism industry. Check out this infographic to know the various visitors insurance plan coverage benefits.
When embarking on an international journey from India to the USA, ensuring comprehensive travel insurance is a crucial step in safeguarding your trip against unforeseen events. Navigating the best travel insurance options from India to the USA requires a thoughtful consideration of various factors to meet your specific needs.
The first step is to identify reputable insurance providers that offer coverage for international travel from India to the USA. Several established companies specialize in travel insurance and provide comprehensive plans catering to different traveler profiles. Look for insurers with a track record of efficient claims processing and positive customer feedback.
Comparing policies is essential to finding the best travel insurance from India to the USA. Assess coverage features such as medical expenses, trip cancellation, baggage loss, and emergency evacuation. Given the healthcare costs in the USA, ensuring adequate medical coverage is paramount. Look for plans that cover COVID-19-related expenses, considering the ongoing global situation.
Affordability is another critical factor in choosing the right travel insurance. Evaluate premiums and deductibles to find a balance between comprehensive coverage and cost-effectiveness. Some plans may offer additional benefits like coverage for adventure sports or pre-existing conditions, so consider your specific requirements.
Reading customer reviews and testimonials can provide valuable insights into the real-world experiences of travelers with different insurance providers. Pay attention to reviews that highlight positive claim settlement experiences and responsive customer service.
Ultimately, the best travel insurance from India to the USA is one that aligns with your travel itinerary, health considerations, and budget. Don't forget to check the fine print for any exclusions or limitations. By investing time in research and comparison, you can embark on your journey with confidence, knowing that you have a reliable safety net in place for any unexpected challenges that may arise during your travels.
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Insurance Strategies for the Modern Nomad. Wanderlust Without Worry.WiseRoamer.com
Wiseroamer.com monthly e-book.
This edition goes into understanding the travel insurance landscape and insurance essentials every digital nomad should consider.
Medical insurance as a long term traveler.
Leading players in the travel insurance market.
Common mistakes and how to avoid them.
The financials; costs, claims, and refund related to travel insurance.
The future of nomad insurance.
How can we get international travel going again in APAC as we emerge from the Covid19 pandemic in late 2021.
Presented at the WebInTravel conference in Singapore, October 19th 2021.
Globalization has altered the way we live and earn a livelihood. Consequently, trade and travel have been recognized as significant determinants of the spread of disease. Additionally, the rise in urbanization and the closer integration of the world economy have facilitated global interconnectedness. Therefore, globalization has emerged as an essential mechanism of disease transmission. This paper aims to examine the potential impact of COVID-19 on globalization and global health in terms of mobility, trade, travel, and countries most impacted.
Embarking on an international journey is an exhilarating experience, filled with the promise of new cultures, breathtaking landscapes, and unforgettable memories. However, amidst the excitement, it's crucial to prioritize your safety and well-being. That's where international travel insurance online becomes your indispensable companion, ensuring a worry-free adventure.
In our comprehensive guide to "The Best in the World: Your Ultimate Guide to International Travel Insurance Online," we delve into the key aspects that make online insurance the go-to choice for globetrotters. The convenience of securing coverage from the comfort of your home is just the beginning. With a myriad of options available, finding the right plan tailored to your specific needs is now easier than ever.
One of the standout features of international travel insurance online is the accessibility to a wealth of information. Our guide breaks down the intricacies of various policies, helping you make informed decisions. From coverage limits to exclusions, we leave no stone unturned, ensuring you understand the nitty-gritty of your chosen plan.
The competitive landscape of online insurance allows for price transparency and easy comparison. Our guide equips you with the tools to navigate through the sea of options, enabling you to select a plan that not only fits your budget but also offers comprehensive coverage. We highlight the top players in the market, ensuring you have the best possible choices at your fingertips.
Beyond the practicalities, our guide explores the finer details, such as emergency assistance services, claim processes, and the scope of coverage across different regions. We aim to empower you with the knowledge to make your international travel not only thrilling but also secure.
In a world where unpredictability is the only constant, "The Best in the World: Your Ultimate Guide to International Travel Insurance Online" stands as your compass, guiding you towards a seamless and protected global adventure. Travel with confidence, explore with peace of mind, and let the best in the world accompany you on your journey.
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The pre-travel COVID-19 test is not merely a bureaucratic requirement but a pivotal step in the responsible traveler's journey. It serves as a personal health check, a community safeguard, and a global responsibility. As we embark on adventures once again, let's prioritize safety, respect entry protocols, and contribute to the collective effort to overcome the challenges posed by the pandemic. After all, responsible travel is not just about the destination; it's about the journey we take together, safely and thoughtfully. Visit us now for the better results at https://www.globaltravelclinics.com/
We are delighted that you have decided to read the most recent article in our magazine, which focuses on travel and tourism and includes a variety of connected subjects.
A significant number of people have indicated a desire to restart their journeys and become more knowledgeable about the customs of other nations once the world has completely recovered from the debilitating effects of the COVID-19 epidemic.
However, because new rules concerning health and safety have been implemented, it is absolutely necessary for people who are going on vacation to keep themselves informed and to take the appropriate preparations in order to ensure that their trips will be enjoyable while also being risk-free.
Vacationers who are interested in successfully navigating the tourist environment that the epidemic has left in its wake and having enjoyable and enlightening travel experiences as a direct result of their journeys as a direct result of their travels as a direct result of their vacations will find the following article to be of assistance.
Role of Audit in Economic Recovery-Post Pandemic-SAI IndiaAsosaiJournal
The coronavirus recession also known as the Great Lockdown or the Great shutdown is a severe global recession since Great Depression 1929-30. It has resulted in shutdown of many businesses like aviation, automobile, hospitality, rail transport etc. causing massive job losses world over.
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COVID- Travel is more safer now than it was this time last year thanks to 19 immunizations, but you should still take measures.
A plane flies over low clouds and mountains with an autumn forest in the background. With a passenger plane, trees, mountains, and a blue hazy sky, this is a stunning landscape.
Holiday Travel in COVID-19 Times: 10 Safety Tips
Even if you've been vaccinated, several international destinations demand that you take a COVID-19 test before visiting.
The COVID-19 pandemic has forced most people to stay home to prevent the spread of the virus. Front liners such as physicians, nurses, medical staff, and essential services workers are the only ones allowed to go out of their homes to serve the public. Jessica Leonard.
What Is Visitor Insurance And Do I Need It_.pdfVisitors Guru
To avoid the harmful things that occur unpredictably, taking visitors insurance plan must be in your priority list. Visitor insurance has become more popular nowadays with the rise of the tourism industry. Check out this infographic to know the various visitors insurance plan coverage benefits.
When embarking on an international journey from India to the USA, ensuring comprehensive travel insurance is a crucial step in safeguarding your trip against unforeseen events. Navigating the best travel insurance options from India to the USA requires a thoughtful consideration of various factors to meet your specific needs.
The first step is to identify reputable insurance providers that offer coverage for international travel from India to the USA. Several established companies specialize in travel insurance and provide comprehensive plans catering to different traveler profiles. Look for insurers with a track record of efficient claims processing and positive customer feedback.
Comparing policies is essential to finding the best travel insurance from India to the USA. Assess coverage features such as medical expenses, trip cancellation, baggage loss, and emergency evacuation. Given the healthcare costs in the USA, ensuring adequate medical coverage is paramount. Look for plans that cover COVID-19-related expenses, considering the ongoing global situation.
Affordability is another critical factor in choosing the right travel insurance. Evaluate premiums and deductibles to find a balance between comprehensive coverage and cost-effectiveness. Some plans may offer additional benefits like coverage for adventure sports or pre-existing conditions, so consider your specific requirements.
Reading customer reviews and testimonials can provide valuable insights into the real-world experiences of travelers with different insurance providers. Pay attention to reviews that highlight positive claim settlement experiences and responsive customer service.
Ultimately, the best travel insurance from India to the USA is one that aligns with your travel itinerary, health considerations, and budget. Don't forget to check the fine print for any exclusions or limitations. By investing time in research and comparison, you can embark on your journey with confidence, knowing that you have a reliable safety net in place for any unexpected challenges that may arise during your travels.
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Wiseroamer.com monthly e-book.
This edition goes into understanding the travel insurance landscape and insurance essentials every digital nomad should consider.
Medical insurance as a long term traveler.
Leading players in the travel insurance market.
Common mistakes and how to avoid them.
The financials; costs, claims, and refund related to travel insurance.
The future of nomad insurance.
How can we get international travel going again in APAC as we emerge from the Covid19 pandemic in late 2021.
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Globalization has altered the way we live and earn a livelihood. Consequently, trade and travel have been recognized as significant determinants of the spread of disease. Additionally, the rise in urbanization and the closer integration of the world economy have facilitated global interconnectedness. Therefore, globalization has emerged as an essential mechanism of disease transmission. This paper aims to examine the potential impact of COVID-19 on globalization and global health in terms of mobility, trade, travel, and countries most impacted.
Embarking on an international journey is an exhilarating experience, filled with the promise of new cultures, breathtaking landscapes, and unforgettable memories. However, amidst the excitement, it's crucial to prioritize your safety and well-being. That's where international travel insurance online becomes your indispensable companion, ensuring a worry-free adventure.
In our comprehensive guide to "The Best in the World: Your Ultimate Guide to International Travel Insurance Online," we delve into the key aspects that make online insurance the go-to choice for globetrotters. The convenience of securing coverage from the comfort of your home is just the beginning. With a myriad of options available, finding the right plan tailored to your specific needs is now easier than ever.
One of the standout features of international travel insurance online is the accessibility to a wealth of information. Our guide breaks down the intricacies of various policies, helping you make informed decisions. From coverage limits to exclusions, we leave no stone unturned, ensuring you understand the nitty-gritty of your chosen plan.
The competitive landscape of online insurance allows for price transparency and easy comparison. Our guide equips you with the tools to navigate through the sea of options, enabling you to select a plan that not only fits your budget but also offers comprehensive coverage. We highlight the top players in the market, ensuring you have the best possible choices at your fingertips.
Beyond the practicalities, our guide explores the finer details, such as emergency assistance services, claim processes, and the scope of coverage across different regions. We aim to empower you with the knowledge to make your international travel not only thrilling but also secure.
In a world where unpredictability is the only constant, "The Best in the World: Your Ultimate Guide to International Travel Insurance Online" stands as your compass, guiding you towards a seamless and protected global adventure. Travel with confidence, explore with peace of mind, and let the best in the world accompany you on your journey.
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Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
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Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
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Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
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Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
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Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
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Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
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Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Sustainability: Balancing the Environment, Equity & Economy
Up in the air keeping affluent travelers safe in an unpredictable world
1. Risk & Insurance | Employee Benefits | Retirement & Private Wealth
Up in the Air:
Keeping Affluent Travelers
Safe in An Unpredictable
World
Safeguard your adventurous
lifestyle with the right precautions
and protection.
2. Going Abroad: A Whole New World for Affluent Travelers | 2
Navigating New Risks
in International Travel
When it comes to international travel, high-net-worth individuals and their
families can be at particular risk: They have the danger of kidnapping and
extortion, threats to their physical safety and a hit to finances — a hit that
can include anything from being pickpocketed, having their identities
compromised and losing non-refundable expenses on high-priced, cancelled
reservations.
And of course, COVID-19 has simply multiplied these challenges, not only
presenting health risks to travelers but political instability unseen in many
years.
COVID-19 brought a new reality for high-net-worth travelers accustomed to
jetting off abroad for luxurious or adventurous trips. It’s not just they faced
cancellations and quarantines, but the calculus for international travel has
fundamentally changed. Even in countries where travel from North America
is permitted, COVID-19 has increased the likelihood of being stranded in a
country, robbery and assault, and political unrest.
That leaves travelers with more cancellations, new travel protocols, and
the threat of lockdowns while abroad and being left stranded with little
recourse. And with the pandemic hitting countries that lack proper facilities
to treat COVID-19, infected travelers could be stuck without treatment — no
matter how much care they can afford.
These are issues that money alone can’t solve. Those wanting to travel
abroad may wonder why they should bother.
But the difficult state of affairs hardly means the end of international travel
for affluent individuals. Savvy travelers will take the proper risk reduction
tactics and proper insurance coverages to mitigate risk and keep foreign
travel viable.
Managing and insuring travel risk involves more than planning for a single
trip abroad — it’s having one’s lifestyle properly insured no matter the
location. It’s more than a vacation, second home or boat. In this e-book, we’ll
explore not only the issues facing high-net-worth travelers in a pandemic
environment, but how it fits into a greater, holistic strategy of insuring a
lifestyle that you’ve earned.
3. Going Abroad: A Whole New World for Affluent Travelers | 3
1
Forbes, “European Union removes United States from safe travel list: What does this mean for you?” August 30, 2021.
Major trends affecting travel overall
The new reality in travel points to understanding how to insure
a lifestyle. Consider the following ways international travel has
changed:
ȋ COVID-19 creates mass uncertainty. In August 2021, the European Union
advised member nations to remove the U.S. from safe travel lists.1
The EU
guidance recommends that member countries limit visitors to vaccinated
U.S. adults and children with a negative COVID-19 test only. Additionally,
the U.S. requires a negative COVID-19 test to return home — a test that
must be done within 24 hours of reentry. This rule, changed from 72
hours to 24 in response to the Omicron variant of the virus, has left some
Americans stranded when catching the virus abroad.
ȋ Travelers are more risk adverse. Travelers can no longer assume ease
of entry to and exit from a foreign nation. This has tainted travel for
many, and they are exercising extreme caution to prevent being stranded
abroad.
ȋ An increase in destination vacations. Many U.S. and Canadian travelers
are opting for destination vacations, or all-inclusive resorts that
emphasize their health and safety measures. These vacations provide
additional peace of mind when it comes to health and safety. They also
can reduce safety concerns related to food, spa, entertainment, lodging
and more.
4. Going Abroad: A Whole New World for Affluent Travelers | 4
How travel will change for
high-net-worth individuals
Travel risks for the affluent are greater than those faced by other
travelers. Here are some of the major challenges high-net-worth
travelers face:
1. EVOLVING TRAVEL SEASONS AND COVID-19 HOT SPOTS: Travel
restrictions will inevitably shape how and when people travel abroad. Travel
“seasons” will evolve, creating short travel windows with limited airline
seating and high prices. Similarly, “safe” destinations may suddenly become
COVID-19 hot spots, with travel restrictions imposed and lifted with little
warning.
2. FEWER OPTIONS: Reliable transportation, availability of attractions, high-
end dining and having good medical options are no longer a given when
abroad. Airlines have responded to travel restrictions with fewer flights
abroad at higher prices. The normal risks of travel, such as delayed or
canceled flights, are more commonplace and the options after such a
change are limited. As countries open and close their doors to tourists,
costs are likely to increase — or be erratic — at the very least.
3. STAYING HEALTHY: In addition to those traveling abroad who already have
health concerns, there’s the pandemic. Even vaccinated individuals must
take precaution when traveling abroad against COVID-19. So far, vaccines
have proven effective against variants that have taken hold elsewhere, but
that may not always be the case. And when abroad, health care options will
be limited, even in countries with advanced health care systems. Travelers
must be aware of their options if they contract COVID-19 abroad.
5. Going Abroad: A Whole New World for Affluent Travelers | 5
4. PHYSICAL THREATS: Protecting one’s physical safety is the most-important
aspect of any trip abroad. In a pandemic world, however, travelers are
seeing increased rates of crime in some nations due to the economic
hardship of the pandemic. Threats include kidnapping and ransom (K&R)
scenarios, robbery and sexual crime. In addition, technology and social
media have may provide a window into the plans of high-profile travelers as
they post and tag their locations.
5. FINANCIAL THREATS: This goes beyond getting mugged or losing credit
cards or cash. It means ensuring that fully or fractionally owned properties
and goods (such as autos) are kept safe when you’re in the country or not.
It also means having protection against expensive trips being cancelled
for whatever reason. Identity theft, cybercrimes and scams (both online
and in person) are also issues. The pandemic has increased the number of
scams aimed at travelers as criminals take advantage of ever-changing local
protocols and visitor confusion.
6. Going Abroad: A Whole New World for Affluent Travelers | 6
TRAVELERS BEWARE
Risk Management and Insurance
Considerations
The proper insurance coverages comprise the cornerstone of risk
management for high-net-worth travelers. Here are three policies
to consider:
Travel insurance can be bought for general travel for a year or
per-trip, which must be purchased within 10 to 30 days after
booking the trip, depending on the carrier.
Travel coverage purchased through airlines typically
covers cancellations for specific reasons (natural disasters,
illnesses). “Cancel for any reason” or CFAR coverage, ensures
reimbursement for all travel expenses regardless of why a trip
was cancelled.
Pandemic and epidemic cancellations are typically included in
travel insurance as well, subject to the individual policy. Some
require cancellation 48 hours prior to departure for full coverage;
others will reimburse half due to a pandemic-related cancellation.
This includes both if a traveler becomes sick with COVID-19 and
is suddenly reluctant to travel, or if the country has closed its
borders due to the pandemic.
With the COVID-19 virus mutating into different variants like
Delta and Omicron, many countries require additional quarantine
coverage, which covers a required quarantine period in their
country.
Travel Insurance
7. Going Abroad: A Whole New World for Affluent Travelers | 7
Evacuation coverage should be a part of every comprehensive
travel insurance plan for high-net-worth travelers. Political
evacuation coverage provides resources in the case of political
unrest, armed conflict or personal threats. If this type of coverage
seems applicable for politically unstable countries only, consider
that it was used during France’s “yellow-vest” protests in 2019
and 2020.
Medical evacuation coverage provides transportation to the
nearest medical facility that can help the traveler, whether
that’s in country or requires transportation out of the country.
When traveling internationally, purchasing $1 million of medical
evacuation coverage is appropriate. Medical coverage will be
provided for those contracting COVID-19 as well.
K&R coverage provides access to hostage recovery services,
protection programs and security detail. Some insurance
companies also provide awareness training for high-risk
individuals before they travel. Other carriers can track high-net-
worth travelers’ movements to help ensure safety.
Political and Medical Evacuation Coverage
Kidnap and Ransom (K&R) Coverage
8. Going Abroad: A Whole New World for Affluent Travelers | 8
TALES OF WOE
What happens when you
travel unprepared?
A look behind the curtain
A highly visible corporate executive followed his company’s travel
safety protocols by booking private travel, hiring a protection detail
and safeguarding his itinerary. But while he followed protocol, his
daughter excitedly shared the family’s behind-the-scenes travel photos
on social media, documenting their plans and at-the-moment locations
for any interested outsider.
Road rules
A high-net-worth traveler found himself in jail after a car accident in
Venice, Italy. He had not purchased travel insurance, assuming that his
domestic insurance would cover him. On top of being in jail, the traveler
had to pay an enormous fine and had to spend the rest of his cash to
leave the country.
No insurance, no compensation for theft
After high-value items were stolen from their hotel room safe in Mexico
using the master code, a high-net-worth family was robbed of their on-
person items while walking the street. The family lacked travel coverage
and could not recover the cost of the lost items, cash and cost of travel.
9. Going Abroad: A Whole New World for Affluent Travelers | 9
Missing persons
In the case of travelers who did plan ahead, a family
that lost contact with their children who were
traveling in Costa Rica due to stolen cell phones
were able to track them down via their insurance
company, which leveraged local security contacts.
Coverage takes the sting out
After a poisonous snake bite on a remote hike
in Nairobi, one family was able to video chat
with an American doctor, describe the situation,
and receive personalized instructions on how to
manage until they could reach an adequate medical
facility. The service was available because the
family paid for medical coverage.
Stones you can’t throw
When their daughter got a kidney stone and
needed urgent medical care while traveling
overseas, one high-profile family that didn’t have
travel insurance had to hire their own private jet to
get their daughter back home. A travel insurance
policy would have covered these costs.
BEFORE YOU GO
Before embarking on an
international trip, take some basic
precautions:
Map out important locations. This includes
the nearest English-speaking medical
emergency facility and the U.S. or Canadian
consulate in the country. Have the contact
information of the local U.S. embassy
programmed into your phone.
Pack a black bag. Bring a preventative
medication kit or a black bag with contents
tailored for the destination. Bring an extra set
of anything you might use regularly, including
your prescription medications, and over-the-
counter allergy and migraine medications as
well as general pain reliever. Make sure that all
medications are legal in your destination, as
some prescription drugs legal in the U.S. and
Canada are banned elsewhere.
Take along a satellite phone. If traveling
to a remote area, satellite phones allow for
communication even during power outages, in
the most remote corners of the world.
Pay in advance, whenever possible. Limit
the amount of money and risk by pre-paying
when possible. Pay in advance before you
travel for hotel stays, transportation and
entertainment.