Employer Paid Group Travel Insurance – VoyagerProtect

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Voyager Protect Corporate Travel Insurance

VoyagerProtect Employer Paid Worldwide Annual Multi Trip Travel Insurance

A NEW Way of insuring Employee and Group Travel For Business and Leisure Travel

Many companies operate travel insurance plans for employees as an employee benefit paid for by the employer; however, they are often cumbersome to arrange or administer. Similarly, smaller companies often find it difficult to arrange group travel insurance as many insurers don’t want to quote let, alone provide, travel insurance for small numbers of employees without asking a whole bunch of questions first!

In addition to this, companies of all sizes may find that their current employee group travel insurance simply doesn’t provide the range of cover that they need in the current international climate, such as the option to add Terrorism Disruption Cover.

VoyagerProtect Employer Paid Worldwide Annual Multi Trip Travel Insurance is a NEW travel insurance product from Voyager Insurance Services Ltd. that is designed to solve all these issues a company may find when wanting to arrange group travel insurance as an employee benefit**.

VoyagerProtect Travel Insurance Product Highlights:

  • Annual Multi-Trip Worldwide* Cover for business and leisure travel
  • No application forms – it’s quick and easy to get a quote, apply and administer
  • Available for employer paid groups from 2 to 500+ Employees
  • 3 Levels of cover to choose from – Essentials, Super and Enhanced
  • Annual Multi-Trip Cover for an Unlimited Number of Trips in a policy period of
    Up To 90 days (Essentials), 120 Days (Super) & 180 days (Enhanced) maximum duration per trip.
  • Cover for individuals and optionally available for their Families
  • Cover is included for a very wide range of benefits including those not usually found on Employee Benefit Travel Insurance
  • All insureds have access to the One Tap Emergency App for smartphones
  • Available for UK and EEA Companies (and others by agreement) with cover and premiums available in GBP£, USD$ and Euro€
Schedule of Benefits Level 1
Essentials
Level 2
Super
Level 3
Enhanced
Max Duration 90 days 120 Days 180 Days
Area of Cover Worldwide
Travel Type Business & Leisure
SECTION A – PERSONAL ACCIDENT
1. Death 10,000 10,000 10,000
2. Loss of Limb 10,000 10,000 10,000
3. Loss of Sight 10,000 10,000 10,000
4. Loss of Hearing 10,000 10,000 10,000
5. Loss of Speech 10,000 10,000 10,000
6. Permanent Total Disablement 10,000 10,000 10,000
7. Permanent Partial Disablement Covered Covered Covered
8. Temporary Total Disablement
(Payable 104 weeks)
Not Covered
(Available on Bespoke Quote)
Not Covered
(Available on Bespoke Quote)
Not Covered
(Available on Bespoke Quote)
Personal Accident Extensions For Benefits in this Section please see documents at the end of this page
SECTION B – BUSINESS & LEISURE TRAVEL
B1. Medical & Emergency Travel Expenses 5,000,000 25,000,000 Unlimited
Excess £/€/$ 35 £/€/$ 35 Nil Excess
Business & Leisure Extensions For Benefits in this Section please see documents at the end of this page
B2. Search & Rescue Expenses Not Covered 25,000 in the aggregate annually 50,000 in the aggregate annually
B3. Kidnap & Hostage Expenses Not Covered Annual Aggregate Limit: 150,000 for Consultants Costs
No Cover for Ransom Monies
(Available on separate K&R Policy)
Annual Aggregate Limit: 250,000 for Consultants Costs
No Cover for Ransom Monies
(Available on separate K&R Policy)
B4. Political & Natural Disaster Evacuation Not Covered Covered Covered
  Evacuation and Repatriation Costs Not Covered 25,000 50,000
  Expenses Not Covered 100 per day for a maximum of 30 days 100 per day for a maximum of 30 days
B5. Personal Security Specialists Expenses Not Covered 5,000 In the aggregate annually 10,000 In the aggregate annually
B6. Personal Security Specialists Expenses
  Personal Belongings 2,000 5,000 10,000
  Single Item, Pair or Set Limit 500 1,000 2,000
  Valuables Limit 500 1,000 2,000
Excess £/€/$ 35 £/€/$ 35 £/€/$ 35
Personal Belongings Extensions For Benefits in this Section please see documents at the end of this page
B7. Money
   Loss or Theft of Money
- Cash Limit
- Cash Limit (Aged Under 18)
Up to 500
Up to 300
Up to 50
Up to 500
Up to 500
Up to 50
Up to 1,000
Up to 500
Up to 50
  Fraudulent Use of Credit Card 5,000 5,000 5,000
  Lost or Damaged Passport and/or Visa 2,000 2,000 2,000
  Theft of Passport and Visa 1,000 1,000 1,000
Per Person Limit 2,000 5,000 10,000
Aggregate Limit – All Insureds 20,000 50,000 100,000
B8. Cancellation, Curtailment, Replacement Personnel and Change of Itinerary Up to 3,000 Up to 5,000 Up to 10,000
Aggregate Limit – All Insureds 30,000 50,000 100,000
Excess £/€/$ 35 £/€/$ 35 Nil Excess
B9. Travel Delay Up to 50 for first complete 12 hour delay and 50 for each subsequent 12 hour period to a maximum of 2,000 Up to 50 for first complete 4 hour delay and 50 for each subsequent 12 hour period to a maximum of 2,000 Up to 50 for first complete 4 hour delay and 50 for each subsequent 4 hour period to a maximum of 2,000
Excess Nil Excess Nil Excess Nil Excess
B10. Missed Departure Not Covered 1,000 1,000

For a full table of benefits and for more information see the documents at the end of this page.

VoyagerProtect does not need companies to complete a lengthy proposal form or provide annual travel company patterns in order to get a quote for cover: our in-house team can quickly give you a quote based on the minimum amount of information. No need to have to wait for complex underwriting in order to get your quote!

Cover can be extended with the following add-on options:

  • Terrorism Disruption Cover
  • Winters Sports Cover
  • Hazardous Activities & Sports Cover

Once we have all the information we need, we will provide you with a quote within 48hrs or less. It’s quick and easy to arrange cover, if the company wants to proceed with the travel insurance cover an email and list of insureds is all we need. The company will receive a master certificate of insurance and each member of the group policy will receive a member certificate of insurance that will list any family members (if named on the certificate) cover. It’s that simple!
Click the links below for more information about the VoyagerProtect Travel Insurance and covers available:

 VoyagerProtect Fact Sheet  VoyagerProtect Policy Summary  VoyagerProtect Policy Wording


VoyagerProtect Contact Details:

VoyagerProtect Quote and Administration Line : +44 (0) 1483 806 822

Broker Support and General Enquiries                   : enquiries@voyagerins.com

 

Product Sub-Notes :
* Worldwide cover includes the USA, but does not include cover for excluded territories, meaning:
Afghanistan, Columbia, Iran, Iraq, Mexico (other than the Cancun holiday area of Mexico) Nigeria, Mali, Pakistan, Philippines, Somalia, Syria, Sudan, South Sudan, Libya, Venezuela or Yemen or any other destination, country or region where the appropriate authorities (such as the UK Foreign and Commonwealth Office advice or similar authority of the Insured Person’s Country of Domicile) at the time the trip was booked was against all travel to such destination, country or region.

If you or your employee require travel to these destinations, other travel insurance products are available from Voyager Insurance that provide cover in these high risk locations.

** We normally require 80% of all employees that are deemed eligible by the employer, based on their employee class, position or job function, to be enrolled into the group travel insurance plan.