AD&D/ Medical > War & Terrorism Options
High Limit Accident AD&D Life Insurance Quote
International AD&D Life Insurance with Terrorism Rider :
- Petersen International Underwriters (certain Underwriters, Lloyds London), is a worldwide leader in providing special risk medical, life and contingency personal accident insurance programs for those traveling to high risk locations worldwide.
- For use worldwide including all country risks including but not limited to: Eastern Europe (Ukraine), Middle Eastern Region to include Israel, Lebanon, Syria, many countries on the continent of Africa and many Asian and South American countries that are considered high risk for terrorism activity.
- Download and review the AD&D Brochure of coverage and application
War Zone Medical, Emergency Evacuation/ Repatriation
International Travel Medical & Evacuation for Terrorism Options:
USAway Major Medical Travel Medical Insurance Plan:
- Coverage is NOT available online in the following countries (please call us to place the risk): Afghanistan, Belarus, Cuba, Iran, Israel (Excluding Gaza Strip And West Bank), Israel - Gaza Strip Only, Israel - West Bank Only, North Korea, Russia, Sudan, and Ukraine
- Option to add rider for a multitude of hazardous sporting activities as well
- Coverage cannot be purchased using the following states: AK, CO, CT, DE, GU, IA, IL, KY, MD, ME, MO, MS, MT, NC, NE, NJ, NM, NY, RI, SC, SD, TN; we do accept "accommodation addresses" in other states that you might have a personal or business connection
- perfect for anyone traveling outside their home country worldwide from a few days to weeks or up to max of 180 days per policy period.
- From $250,000 to $5 Million of medical coverage depending on hot spot country exposures selected
- Includes 24 Hour Assistance Services, Emergency Medical Air Evacuation & Repatriation benefits.
- For alternative option if unable to apply, due state eligibility, we recommend the Single Trip GeoBlue Voyager Choice plan.
AD&D Life Insurance for Contractors Worldwide
Accidents - The Unique Hazard: Acts of Terrorism & War Cover
Sickness, with its usual warning symptoms allows some lead time to prepare for the emotional and economic consequences that follow. ACCIDENTS STRIKE WITHOUT WARNING ! Acts of Terrorism fall into the "Accident" category of coverage.
Medical and Disability Insurance often fall short of covering the costs inherent with accidental bodily injuries and inadequately compensate for the specific losses of limb, sight, speech and hearing (commonly referred to as a "dismemberment"). Life Insurance proceeds are seldom adequate to cover the financial loss due to death.
The life accident hazard is sufficiently unique to merit specific insurance, thus we recommend the Petersen International Underwriters High Limit Accident Plan. Download the brochure and application or Request a no obligation quote now.
Should you be concerned about having a travel medical insurance policy that does NOT exclude acts of terrorism, we recommend Petersen International Underwriters' USAway Major Medical Plan, which can be quoted and applied for online 24/7 for any hot spot worldwide.
Uses for special risk health insurance and AD&D Life insurance in War Zones worldwide include:
US and foreign national Contractor work overseas, Iraq / Afghanistan/ Middle East / Africa Reconstruction Contractor needs, General civilian contractor or employee needs worldwide.
Looking for Defense Base Act (DBA) Workers Compensation Insurance for contractors coverage ?
Below are examples of current and past clients we have covered in war zones:
Independent Security & General Contractors in Iraq, Afghanistan, Russia & Ukraine & other Worldwide locations including but not limited to: UXO teams (unexploded ordinance --ie; landmines); police force trainers; personal security detail teams; bomb sniffing dog teams at embassies, global diplomats at worldwide embassies, semi-tractor trailer (trucker) convoys in Iraq; Information Technology (IT) personnel; electrical and plumbing contractors and more.
Other uses, outside of war zones include:
Leisure and business travelers
Journalism / Freelance Writers; TV and Radio Network employees / journalists in war zones
Documentary and film crews to areas such as the Arctic Circle
Land speed motorcycle testing / racers, etc.
Oil refining industry / exploration teams / Geothermal exploration; etc.
Expeditions to Kilimanjaro and other extensive mountaineering trips (leisure and otherwise)
Domestic / USA - based companies requiring key person or buy-sell agreements on executive level owners/ employees
Countries we can cover for Acts of Terrorism: Hot Spot Listing
Below in alphabetical order you'll find many of the highest threat countries listed. Our specialty AD&D Life insurance programs will cover for acts of terrorism and war in most these countries, excepting coverage for Nuclear, Chemical or Biological (NCB) Exposure and covering active military personnel or "mercs" (mercenaries).
AFGHANISTAN, ALGERIA, ANGOLA, AZERBAIJAN, BELARUS, BURUNDI, CENTRAL AFRICAN REPUBLIC, CHAD, COLOMBIA, CONGO REPUBLIC, COTE D'IVOIRE (IVORY COAST), DEMOCRATIC REPUBLIC OF CONGO, EGYPT, ERITREA, ETHIOPIA, GEORGIA (FORMER USSR), EASTERN EUROPE, GUATEMALA, GUINEA, HAITI, HUNGARY, INDONESIA, IRAN, IRAQ (incl. KURDISTAN), ISRAEL, WEST BANK (ISRAEL), GAZA STRIP (ISRAEL), JAMMU (INDIA), JORDAN, KASHMIR (INDIA), KENYA, KOSOVO, KUWAIT, KRYGISTAN, LEBANON, LIBERIA, LIBYA, MADAGASCAR, MALAYSIA, MOLDOVA, MOROCCO, NEPAL, NIGERIA, PAKISTAN, PHILIPPINES, POLAND, QATAR, ROMANIA, RUSSIA, RUSSIA -CHECHNYA, RWANDA, SAUDI ARABIA, SENEGAL, SIERRA LEONE, SLOVAKIA, SOMALIA, SRI LANKA-NORTH & EASTERN PROVINCES, SUDAN, SYRIA, TAJIKISTAN, THAILAND, TOGO, TURKEY, UKRAINE, UGANDA, UZBEKISTAN, VENEZUELA, WESTERN EUROPE, YEMEN, ZIMBABWE
Who can apply for these coverages?
Just about anyone ranging from independent worldwide contractors / subcontractors to embedded journalists, information technology (IT) consultants to truck drivers and security contractors (aka private military companies or PMCs)... and so much more.
The only limitation is that you are NOT engaged in active war (ie; active military engaged in wartime behavior sancioned by governments). Private security contractors are neither, despite the controversy of security contractors in the occupation of Iraq starting in 2003. Such involvement, especially by security contractors is considered to be that of "passive war" and as such, are not actively fighting the war on terrorism, rather are being re-active or passively participating in the war on terrorism. PMCs are a protection force, NOT a war or mercenary force actively fighting in a war.... that is the job of the US active military.
Simply stated: "If your job title involves you to go looking for the fight rather than being passively engaged in the fight", we cannot insure you. PMCs often ask, "Well, we do take fire at times in our line of work when providing logistics and security to diplomats or other clients!" We say, "Defend yourself !", of course. By definition you are engaged in a "passive war" effort in that scenario. We can insure you!
How are these plans priced ?
Life insurance is quoted based on primarily country location(s), occupational duties, length of time needed and amount of coverage requested. For medical insurance policies, they are based more heavily upon the age of the individual (going up in price the older one is), occupation, location(s) and amount of coverage requested. Our accident life policies don't base rates on age unless you are over age 65.
Both the accident life and medical / evacuation insurance plans will automatically be quoted with acts of war and terrorism rider coverage for any of the listed hot spot areas noted in our side bar above and to the right.
The annual premium costs can be wide ranging depending on whether the occupation is "hazardous" or "non-hazardous". As many contracting agencies typically leave it up to the individual to pay for the premium for optional life insurance on their own, our underwriter is willing to offer options for monthly modes of payment if it is a one year term policy. Prices start at about $80/ month and can go up to over $300/ month depending on your situation, occupation, policy amount, etc. We can custom tailor your quotes to get you on budget and all in under 24 hours turn around time.
Although you may have DBA Workers Compensation coverage from your contractor agency (because the US Labor Department made it a law to require it back in 1941), additional coverage may be necessary due to serious potential gaps in coverage and lower limits of coverage under DBA . Note that you may be exposed when OFF the JOB or for any illness or sickness under DBA or just simply underinsured, even on the job !