Personal Accident and High-Risk Travel Insurance
When deploying personnel to hostile or volatile environments, standard corporate travel insurance is inadequate. Exclusions for war, terrorism, and political unrest leave your team exposed. We provide high-risk travel and personal accident insurance designed specifically for the world’s most challenging destinations.
Coverage for Hostile and Volatile Environments
Our policies provide robust protection against the adverse financial consequences of an accident or severe illness while operating abroad. We ensure that whether your staff are travelling to a conflict zone or an area of high political instability, their medical, disability, and personal accident needs are comprehensively covered.
Rapid Medical and Evacuation Access
In a crisis, speed is critical. When you quickly need to get your people back home, our policies deliver. No matter which country your staff are travelling to, our coverage provides guaranteed access to leading international medical and evacuation providers. We manage the complex logistics of moving injured personnel out of non-permissive areas, ensuring they receive definitive care without delay.
Fulfilling Your Duty of Care
Protecting your employees is not just a moral obligation; it is a strict legal requirement. Securing the right high-risk travel insurance demonstrates a clear commitment to your Duty of Care, protecting your personnel while shielding your organisation from potential negligence claims.
Safeguard Your Global Workforce
Ensure your team has the medical and financial lifeline they require before they deploy to a high-risk environment. Speak to our specialists at Blackthorn Risk to arrange comprehensive travel protection for your personnel.
FAQS
Can we secure coverage for personnel entering active war zones where the FCDO advises against all travel?
Yes. Standard policies automatically void coverage if you travel against the advice of the Foreign, Commonwealth & Development Office (FCDO). However, we routinely place specific “War Risk” travel policies for journalists, NGO workers, and corporate advisors deploying to active conflict zones, ensuring they remain fully protected.
How are pre-existing medical conditions handled if an employee is deploying to an area with limited medical infrastructure?
Standard travel policies generally exclude pre-existing conditions entirely. In the high-risk market, this is addressed via medical underwriting prior to deployment. Depending on the specific condition, the stability of the patient, and the destination, coverage can often be agreed upon, ensuring your Duty of Care is met.
Is coverage available for freelance contractors or journalists embedded with military units?
Yes. We can arrange highly specific coverage tailored for embedded media and independent contractors. These policies take into account the unique risks of moving with military convoys and operating on the front lines, providing bespoke personal accident and medical evacuation benefits.
