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Foreign & International Package

If you have insureds that travel abroad for business or volunteer purposes, there may be massive coverage gaps in their insurance programs, as most U.S. policies’ coverage stop at the border and do not extend worldwide. Not only do most U.S. policies have significant coverage restrictions with respect to activities outside of the U.S., but customers traveling abroad often find themselves in situations where specialized assistance is necessary. Things such as medical assistance, repatriation, evacuation/extraction, kidnap and ransom negotiations, terrorist threats, or other travel emergencies could come up. DeCotis’ Foreign Package program can fill these gaps.

Risks with not purchasing an International Package policy

  • Widespread coverage gaps in GL, WC, Auto, Medical, etc.
  • Threat to the lives and health of your employees
  • Reputation damage
  • Increase in expenses and costs for any business or program
  • Loss of ability to transact business in a specific country


  • Multiple coverage parts – GL, Workers Comp, Auto, Kidnap Ransom
  • Coverage enhancements available from certain carriers
  • Resources for international expertise
  • Both standalone foreign package policies and controlled master policies available

Coverage Parts

Foreign Travel, Medical & Emergency Services

  • Coverage can be extended to non-employees such as volunteers, spouses, etc.
  • Emergency medical coverage (primary)
  • Medical assistance for non-work related injuries
  • Assistance with certain services including translation, negotiations, and evacuation

Foreign General Liability

  • Foreign claim & lawsuit protection
  • GL AD&D
  • Crisis Response

Foreign Worker’s comp

  • First response 24-hour coverage for business trips
  • Employees hired overseas
  • Repatriation
  • Travel assistance services

Foreign Automobile

  • Contingent auto liability for hired and non-owned autos
  • Hired auto physical damage coverage

Kidnap and Ransom

  • Access to prevention and response resources coordinated by firms that are industry experts
  • Coverage for hostage negotiation & ransom demands

Typical Client Profile

  • Companies with employees who travel internationally
  • Companies with employees stationed in foreign countries (temporarily or permanently)
  • International event attendees and exhibitors (conferences, trade fairs)
  • Exporters
  • Professional firms or other businesses that perform work overseas
  • Sponsors of overseas trips, tours, or study abroad programs
  • Companies with overseas sales offices or operations (owned or leased)
  • Companies doing business via the internet (sale of goods or services)
  • Educational Institutions and non-profit organizations