Benefits and Services


Class I All full time, part time, and temporary employees of the Participating Organization.
Class II Spouse of Class I Insured while traveling with the employee at the expense of the Participating Organization.
Class III Dependent children traveling with the Class I Insured at the expense of the Participating Organization.

Benefits & Limits/Principal Sum

Accidental Death and Dismemberment & Paralysis
Class I 5x annual salary* to a maximum of $1,000,000
Class II $100,000
Class III $25,000
* 'Annual Salary' means the Insured's base annual salary exclusive of overtime, bonuses, tips, commission, and special compensation.

Benefit Reduction Schedule (AD&D)

Age on Date of Accident Percentage of
Amount Otherwise Payable
70-74 65%
75-79 45%
80-84 30%
85 and older 15%

Aggregate Limit of Indemnity

The Aggregate Limit of Indemnity per accident: $5,000,000


Class I Occupational Accident Protection while
1.) on business;
2.) on business and during the course of any Trip, including a Sojourn or personal deviation taken during the course of the trip;
3.) while on premises
Class II & III 24-Hour Accident Protection While on a Trip (Business Only)

Additional Benefits Included

These benefits apply to the eligible person:
Benefit Limits
Carjacking Benefit 5% of Principal Sum, up to maximum of $10,000
Coma Benefit 1% of Principal Sum per month, up to 100 months
Bereavement & Trauma Counseling $50 per visit, up to maximum of 10 visits
Home Alteration & Vehicle Modification $10,000
Rehabilitation $10,000
Seat Belt 10% of Principal Sum, up to maximum of $25,000
Air Bag 5% of Principal Sum, up to maximum of $10,000
These benefits apply to the eligible person while traveling 100 miles away from home: Benefit Limits
Emergency Medical Evacuation Benefit $500,000
Repatriation of Remains Benefit $100,000

Buy-Up Plan*

The following benefits apply to the eligible person while traveling outside of his/her country of permanent residence:
Benefit Limits
Security Evacuation Benefit - Applicable to Class I, II & III $100,000; SUBJECT TO $500,000 AGGREGATE PER OCCURRENCE

Rate subject to additional charge of $1.00 per person per day for travel in high risk countries.

Out of Country Accident & Sickness Medical Expense - Applicable to Class I Only

Coverage is primary / no coinsurance / no pre-existing conditions exclusion / 52 week benefit period- MAXIMUM Trip Length - 6 months

$100,000 - 0 DEDUCTIBLE

*Buy-Up Plan is not available for companies based in CO, CT, LA, MT, NH, NY, OR, VT, VA, WA.

Assistance Services

Today's travelers and organizations require a vast range of services that build on and go beyond travel insurance. That's why USI Assist helps employees prepare for their trips with comprehensive, up-to-the-minute pre-trip information. And they are ready to respond 24/7 should plans go awry.

VIP Concierge Services Identity Theft*
  • Restaurant referrals and reservations
  • Event ticketing
  • Ground transportation coordination
  • Business locator (copy centers, dry cleaner, tailor, etc.)
  • Golf tee time reservations and referrals
  • Wireless device assistance
  • Corporate event planning (conferences and exhibits)
  • Private air charter assistance
  • Cruise charter assistance
  • Movie and theater information
  • Local activity recommendations
  • Request and review of credit bureau records
  • Investigation of financial accounts
  • Interact with law enforcement to pursue prosecution of criminals
  • Review account activity to identify any suspicious activities
  • Review and resolve victim's issues
  • Dedicated Case Manager to assist in identity recovery

*Identity theft services are not available in New York or to non-U.S. based employees.

Worldwide Travel Assistance Emergency Travel Assistance
  • Lost/stolen baggage assistance
  • Lost passport/travel documents assistance
  • ATM locator
  • Emergency cash transfer assistance
  • Emergency telephone interpretation assistance
  • Inoculation information
  • Legal referrals/bail bond assistance
  • Emergency return travel arrangements
  • Roadside assistance coordination
  • Rental vehicle return
  • Guaranteed hotel check-in
Travel Medical Assistance Personal Security Assistance*
  • Emergency medical evacuation transportation assistance
  • Physician/hospital/dental/vision referrals
  • Repatriation of mortal remains
  • Return travel arrangements
  • Emergency prescription replacement
  • Dispatch of doctor or specialist
  • In-Patient and out-patient medical case management
  • Arrangements of visitor to bedside of hospitalized insured
  • Security evacuation assistance
  • Security and safety advisories, global risk analysis and consultation specialist
  • Consultant referrals to extract client to safety
  • Urgent message alerts and relays
  • Confidential storage of personal and medical profiles for emergencies
  • SMS alert messaging
  • 24-hour response services to assist employees and their families during an incident
  • Online security web information

This is only a brief description of the coverage(s) available under policy series C11860DBG. The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there is any conflict between the contents of this document and the Policy, the Policy will govern in all cases. Domestic insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Non-domestic coverage underwritten by local underwriting companies utilizing locally admitted policies. Travel assistance services provided by Travel Assist. USI Assist is not available for companies based in the state of WA.