Has your Travel Insurance got your back?


Travel the world without worry with ConsularAssist

The risks associated with travelling abroad have been steadily increasing for a number of years; the political changes and events of 2016 have done nothing to quell the situation. Whether you are travelling for leisure or business, the need for travel insurance cannot be ignored, and whilst the same can be said for any insurance sector, the level of cover different travel insurers provide should be a key factor when choosing a policy. Reading the small print and selecting cover that provides value for money whilst not leaving you high and dry in the event of a claim is critical in your selection process. Just taking out cover for your personal possessions and medical costs is insufficient in today’s world, you need to look at the bigger picture and question whether you will get the help you need in the event of a travel crisis.
Historically, the Foreign and Commonwealth Office (FCO) has been everyone’s first port of call in an emergency, but it is a testament to the times that budget cuts and redeployment of resources has impacted on the services available. The FCO is under no obligation to provide consular assistance. As stated in their 2014 publication, Support for British Nationals Abroad: A Guide, “There is no legal right to consular assistance. All assistance is provided at our discretion.” According to FCO figures, in 2015-16, its global consular network handled over 600,000 enquiries from British Nationals overseas but only responded to 18,179 new consular cases (excluding Emergency Travel Documents, lost/stolen/recovered passports and advice). Even if you disregard the enquiries that would never warrant personal assistance, that still leaves an alarmingly high number of people feeling isolated and frightened as they face a crisis alone.
You may need consular assistance for something as simple as a lost passport, but there are many more serious scenarios happening every day, such as immigration arrests, crime, acts of terrorism or deaths abroad. Ensuring you have access to dedicated consular assistance is now as much of a travel necessity as it is buying cover for medical expenses. Until now, the only additional protection available has been the often cost-prohibitive services of medical and security assistance companies, and their remit rarely overlaps that of a consulate.
Consularcare was founded because we recognised the need for people travelling abroad to have easy and available access to the skills and expertise of former diplomats. We developed our ConsularAssist solution to be affordable to all, with a range of support levels ranging from telephone advice to personal assistance. If you want to travel the world without worry or ensure compliance with your duty of care to your employees, contact us for more information.