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Travel Accident insurance is supplemental to not a substitute for Worker Compensation and certain types of employee benefits. Like Worker Compensation it protects insureds while on association business but can also be extended to include both business and pleasure activities.
What's CoveredCoverage options include: accidental death & dismemberment, excess or accident medical, medical evacuation and repatriation of remains. Policy terms can be written to provide business only or twenty four hour business & pleasure protection.
Who's CoveredThe Travel Accident policy allows considerable flexibility in plan design. The association begins by defining discreet classes of insured individuals. Examples of classes for a typical association might be described as follows:
Value to AssociationFor associations that have significant travel requirements Travel Accident policies can provide a valued and cost effective supplement to existing Worker Compensation and employee benefit plan features. By including volunteer leaders the association is not only acknowledging the hazard associated with their volunteer service but may in fact be providing the primary layer of insurance safeguard (especially where travel is required overseas).
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