Coverage For Foreign Travel Risks: Superior Coverage Around The World Many schools, like yours, offer foreign exchange programs, educational overseas trips for students, and faculty sabbaticals abroad. While offering tremendous educational value, foreign travel exposes the sponsoring institution to many risks that you may not understand. CIRMA is pleased to offer its members an outstanding program provided by AIG WorldRisk. This program offers broad international coverage, and provides the convenience of limits, premiums, and coverage payments in U.S. currency. The AIG World Risk package provides protection for schools while traveling abroad. Coverage has been tailored to suit the needs of schools and their foreign travel programs. Please note: There are excluded areas; please consult your CIRMA team for a list of excluded areas before you plan a trip. International Insurance: A quick tour of your risks and your coverage options AIG WorldRisk combines several foreign commercial insurance products into one comprehensive program. The five coverages listed below cover exposures many educational institutions face and are included in the program: Foreign Commercial General Liability Download the Full Brochure CLICK HERE to Download the International Insurance for Educational Institutions Brochure (PDF Format) Covers lawsuits brought in foreign countries and lawsuits brought into the United States. Foreign Voluntary Workers' Compensation Covers employees traveling or permanently working overseas, providing state-ofhire benefits for U.S. nationals and country-of-origin benefits for third country nationals. Provides endemic disease and excess repatriation expense coverage. Travel Accident and Health Provides foreign travel and accident insurance. Covers emergency medical and sickness expenses, 24-hour travel assistance, legal assistance, and lost passport/lost luggage services. Foreign Commercial Auto Liability Covers hired, non-owned autos abroad, excess of local compulsory insurance. Provides local claim service and defense. Kidnap and Ransom/Extortion International coverage is available to all CIRMA LAP Pool members and applying is easy! For more information, email Colleen White, Senior Underwriter, at cwhite@ccm-ct.org. Covers foreign events, including ransom demands, kidnapping, personal extortion, wrongful detention, and hijacking. Covers expenses incurred in negotiating release. Please Note: All benefits are subject to the terms and conditions of the policy. Don’t assume that your group will be covered abroad Many institutions think their U.S. policy covers them overseas. But most U.S. policies have limited coverage or no coverage outside the United States, Canada, or U.S. territories. Even foreign coverage endorsements added to U.S. policies can be inadequate— general liability policies don't cover lawsuits filed in foreign courts. AIG’s WorldRisk coverage provides superior coverage for schools traveling abroad. Unexpected risks The legal consequences of an accident are not the same the world over. Local laws and practices follow their own unique traditions and values—which, to a visitor’s eyes, can result in unexpected or harsh penalties. There are documented accounts of U.S. nationals being arrested, serving prison time, and paying huge fines for seemingly minor infractions. In such circumstances, you need a local service network to resolve claims and legal problems. AIG’s WorldRisk provides the legal assistance you’ll need, with access to a local service network to resolve claims and legal problems. For more information about International Insurance for Educational Institutions, please DOWNLOAD THE BROCHURE or contact Colleen White at cwhite@ccm-ct.org or 203-498-3039 for more information. These documents are in Adobe Acrobat .PDF format. A free Adobe Acrobat viewer is available from Adobe here.