Student Travel Contact Information Summer 2008
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The insurance programs outlined below apply to UA faculty, staff and students traveling on behalf of the University or in conjunction with University sponsored program. Some insurance policies are limited to reimbursement after an expense is incurred and other may only provide a reimbursable advance to assist in securing medical treatment in foreign countries. A critical component of the programs outlined below is assistance to the traveler(s) in situations where there is a critical need for medical care, an accident where a injury or damage occurred or a situation involving (including threat or attempt) the kidnap/ransom/extortion of UA faculty, staff and/or student. In addition to the resources available through the insurance company(s), the U.S. Dept. of State offers emergency services and assistance to travelers in most foreign countries by either contacting the nearest U.S. Embassy or Consulate and by phone at the following numbers:
U.S. Dept. of State – Bureau of Consular Affairs – Citizen Emergency Center (202) 647-5225
U.S. Dept. of State – Embassy/Consulate Contact Information (202) 647-1512
Kidnap & Ransom – The University maintains an insurance program to cover kidnap, ransom and extortion that includes a worldwide territory. The policy includes both actual and threatened events. The policy includes professional resources to investigate, negotiate, extricate and handle all matters that require a high level of expertise and knowledge of acceptable practices outside of the United States.
The policy includes the cost of counseling and recuperation services following an actual or attempted kidnapping or extortion situation. Emergency transportation services are provided to remove the affected person(s) from an area where the kidnapping/extortion event occurred to a location determined to be safe and secure with modern medical facilities. If medical care is needed, the policy will respond to needs related to a kidnap/ransom/extortion event. Benefits extend to close family members to provide for expenses resulting from emergency travel, personal security services, temporary lodging and counseling.
The policy provides for reimbursement of evacuation/repatriation expenses and related costs associated with evacuating employees or students as a result of a U.S. official issuing a recommendation that persons evacuate due to reasons other than medical. The insurance coverage also applies if someone is declared “persona non grata” by an official(s) of the host country.
In the event a kidnap, ransom or extortion situation were to occur (including a threat), the emergency contact information is:
Emergency Contact:
Corporate Risk International
11440 Commerce Park Drive
Reston, VA 20191
(703) 359-3901 or (703) 860-0190
general@corprisk.com (non-emergency)
Policy #202404-015
Effective/Expiration Date: 10/1/05 to 10/1/08
Insured: The University of Alabama System
Accident Death & Dismemberment – The insurance program covers students participating in educational activities sponsored or supported by the University that are killed or injured in an accident or become ill while traveling.
The policy includes reimbursement for reasonable hospital charges, physician/nurse charges, lab test, medicine/drugs, casts/splints/braces, wheel chair/hospital bed rental, therapy and emergency medical evacuation charges. This program is not intended to replace a traditional health insurance program and will not respond to routine medical care needs.
The policy contains a number of exclusions for accidental death or injuries sustained in an accident that are the result of negligent acts, violation of local laws, irresponsible behavior and intentional acts.
Emergency Contact:
ACE Travel Assistance Program
1-800-243-6124 (inside U.S.)
(202) 659-7803 (outside U.S.)
0800-901-570 (France Only)
0800-817-6080 (Germany Only)
800-877-145 (Italy Only)
0800-894-035 (U.K. Only)
Plan #01AH585
Policy #GLMN01060806
Effective/Expiration Date: 10/1/07 to 10/1/08
Insured: The University of Alabama System
Foreign Liability – In the event a member of the University faculty, staff or actively enrolled student were to be responsible for a negligent act (actual or alleged) outside of the U.S. (incl. Puerto Rico) where monetary damages are sought against UA and/or the responsible person this program will respond by coordinating the claim, providing legal defense and providing indemnification resulting from any judgment/settlement an insured party (faculty, staff, student) is legally obligated to pay.
The program provides coverage for wrongful/negligent acts for traditional general liability (bodily injury, property damage, personal injury) perils and for automobile liability resulting from an at-fault accident related to the educational and cultural endeavors of the trip. The program does not extend to claims resulting from intentional acts or irresponsible behavior. The alleged wrongful/negligent act must result from a University sponsored or endorsed activity and will not be covered if the situation occurred while engaged in an activity outside of the scope of University sponsored or endorsed travel.
Coverage does not apply in any county or jurisdiction which is the subject of trade or economic sanctions imposed by the law and regulations of the U.S., which would prevent the defense and payment of a claim.
All claims under this policy must be reported through Risk Management (205-348-4534 or bpugh@fa.ua.edu). In the event an emergency arises in a foreign country related to a general liability or automobile liability situation, please contact the insurance carrier:
Contact Information:
ACE USA Insurance
1 Beaver Valley Road, 4 East
P.O. Box 15394
Wilmington, DE 19850
(202) 659-7777 (Outside U.S. – Call Collect)
1-800-766-8206 (Inside U.S.)
Policy #PHFD36939989
Effective/Expiration Date: 10/1/07 to 10/1/08
Insured: The University of Alabama
Risk Management Emergency Contact:
Bob Pugh
Director of Risk Management
134 Rose Administration Building
P.O. Box 870119
Tuscaloosa, AL 35487-0119
bpugh@fa.ua.edu
(205) 348-0395 – Office Direct
(205) 348-4534 – Office General
(205) 394-9652 – Blackberry
Please Note – This summary is intended to provide a very brief description of insurance programs potentially applicable to foreign travel for faculty, staff, students and other persons engaged in supporting the academic and research endeavors of the University. The various insurance programs included in this summary entail lengthy documents and contracts, all of which contain a wide range of exclusions, limitations and coverage restrictions. If desired, Risk Management is available to discuss any specific program and provide more details on the scope of coverage. There are other secondary insurance programs (e.g. excess liability, professional liability, etc.) that may apply in certain situations, but are typically not associated with the risks of foreign travel.
Student Travel Contact Information Summer 2008
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