Travel Accidental Death Insurance + War Risk Coverage

The Global Accident Protection Plan (GAPP) provides Accidental Death and Dismemberment (AD&D) Benefits and optional Medical Evacuation Benefits to those traveling outside their home country.

War Risk Coverage Rider

In consideration of the payment of premium calculated in the manner stated in the policy to which the rider is attached, it is hereby agreed that for additional premium the policy is amended as follows: Any Exclusion under this Plan for “declared or undeclared war or any act thereof” is waived for an Insured Person’s loss caused in whole or in part by, or resulting in whole or in part from, declared or undeclared war or any act of declared or undeclared war, subject to the following restriction: The waiver only applies with respect to accidents that occur within the geographic limits or territorial waters of, or airspace above the geographic limits or territorial waters of a Designated War Risk Territory (as defined herein). War Risk Coverage in a high risk country (listed below) requires payment of an additional premium and advance notice of travel. Termination Date- War Risk Coverage ends on the earliest of: (1) the date the Policy terminates; (2) the date specified in the Company’s written notice to the Policyholder or Participating Organization of the Company’s intent to terminate War Risk Coverage (or 10 days after the date the written notice is received by the Policyholder or Participating Organization, if later).Termination of War Risk Coverage will not affect a claim for a covered loss that occurred while War Risk Coverage was in effect.

War Risk Area 1 ( High Risk )

( Area 1 High War Risk – coverage is mandatory – covers your travels to countries in War Risk Areas 1, 2, and 3)

Country Specific Information:

  • Afghanistan
  • Algeria
  • Cameroon
  • Iran
  • Iraq
  • Israel
  • Libya
  • Nigeria
  • North Korea
  • Pakistan
  • Palestinian Territories
  • Russian Federation (North Caucasus Region of Russia)
  • Saudi Arabia
  • Somalia
  • Syria
  • Ukraine
  • Yemen

War Risk Area 2 ( Medium Risk )

(Medium War Risk – coverage is highly recommended – covers your travels to countries in War Risk Areas 2 and 3)

Country Specific Information:

  • Armenia
  • Azerbaijan
  • Bahrain
  • Bangladesh
  • Bolivia
  • Burma
  • Burundi
  • Central African Republic
  • Chad
  • Colombia
  • Dem. Republic of Congo
  • East Timor
  • Egypt
  • Eritrea
  • Haiti
  • India (Jammu, Kashmir and Mumbai)
  • Indonesia
  • Ivory Coast
  • Kenya
  • Kyrgyzstan
  • Lebanon
  • Liberia
  • Mali
  • Mauritania
  • Mexico
  • Nepal
  • Niger
  • Oman
  • Papua New Guinea
  • Philippines
  • Qatar
  • Sierra Leone
  • South Sudan
  • Sri Lanka
  • Sudan
  • Uzbekistan
  • Venezuela
  • Zimbabwe.

War Risk Area 3 ( Low Risk )

(Low War Risk – recommended – covers your travels to countries in War Risk Area 3)
All other countries not listed in Area 1 or Area 2 locations.

Changes in Terms and Conditions – The terms and conditions of War Risk Coverage, including but not limited to the definition of the Designated War Risk Territory(ies), may be changed at any time to reflect conditions that, in the opinion of the Company, constitute a change in the war risk exposure of the Participating Organization or the Insured Person.