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Risk Management – World Travel Assistance
International Insurance & Travel Assistance Programs
The University of Maine System (University) recognizes that international study and work experiences are integral to students, faculty, residents and staff by broadening their perspectives on intercultural diversity and relationships. It is also recognized that such travel may pose certain unique and increased risks to participants and to the University.
The following information is intended to assist employee travelers in minimizing the risk related to University-sponsored international activities.
For questions regarding Risk Management’s role in International Travel, please contact the System Risk Manager:
Adam Green – firstname.lastname@example.org — +1-207-621-3462
Student International Travel Risk Management Program
The full policy for short-term student international travel is linked below. Students are encouraged to reach out to their Office of International Programs, if applicable at their campus, for questions or planning. Trip leaders should discuss trips with their Office of International Programs, Provost or designee and refer to the plan below.
All students are required to purchase a supplemental international travel insurance policy. Most campuses use Inext. The preferred package by risk management covers up to $100K in medical expenses and $1M in medical evacuation. For additional details on insurance, please see the link to the Student International Travel Risk Management program below.
Employee International Travel Insurance Program
The University does not have a specific policy regarding travel restrictions for employees. Countries where US Sanctions exist, and travel is suspended by law are restricted by US law. Since we have significant international travel, UMS has provided an International General Liability policy to cover us for claims and defense in other parts of the world.
The University of Maine System has an insurance policy underwritten by Chubb that covers those employees for travel while abroad as stated below. If there are specific questions, please reach out to the System Risk Manager.
While the travel policy is written on a blanket, non-reporting basis, it is best if we notify the carrier of any planned trips in advance of their departure just to avoid any surprises. A simple email to request the status of any country is highly encouraged. Concur is used for all travel requests and Risk Management routinely reviews travel requests to ensure that coverage is provided for the trips in the system. Please use Concur for all international travel requests. Approvals are done by your immediate Supervisor.
Who is covered?
- Employees participating in university travel programs.
What is the coverage territory?
- For most coverages, it is anywhere in the world except the US and its territories and possessions, Canada and Puerto Rico. (For these places, some health insurance benefits apply, so you may want to review your personal coverage)
- Any country or jurisdiction which is subject to trade or economic sanctions imposed by the laws or regulations of the US are excluded from coverage.
- Risk Management will endeavor to get coverage for trips falling within these excluded areas, but we must be provided with adequate lead time.
- There are a litany of countries excluded from the Kidnap and Ransom coverage (call Risk Management if you have particular concerns but countries of note include: Brazil, Cuba, Colombia, Haiti, Mexico, Peru)
What is covered?
This summary is not intended to explain every coverage and benefit of the policy, nor every exclusion to coverage. It is an overview only.
- Liability Coverage in the event something goes wrong and we have a legal claim.
- Accidental Death and Dismemberment coverage (limit varies based on injury)
- Medical Expense from an Accident ($25,000 limit) – Note: injuries from extra-hazardous
- Activities, and those while intoxicated are not covered.
- Kidnap and Ransom Expense ($250,000) (Some countries are excluded)
- Also includes coverage for emergency medical evacuation, repatriation of remains, etc
- Program includes the Executive Assistance Services which are information and assistance services available while abroad. Go to the ACE Website below for more information. While a lot of the cost of the services may not be included in our coverage, the ability to arrange for necessary services while in a foreign land are priceless.
International Travel Links
Travel warnings, passport, and other information (U.S. Department of State)
Traveler’s health information (Center for Disease Control)