Various travel insurance options are available. Depending on the reporter’s personal situation and the work that he or she must undertake, one or more types of coverage may be required.
Just like anyone traveling outside of her or his country of residence, journalists have to buy plane tickets and carry luggage. Multi-risk insurance protects against expenses incurred in the event of forced trip cancelation and loss or theft of personal belongings. These are two types of non-medical insurance travelers can obtain regardless of the medical insurance. (Please note that if the country of destination is not recommended to travelers, the trip cancelation insurance is void.)
Effective management of the medical consequences of an accident, injury or illness is central to a satisfactory insurance policy. Medical insurance is particularly important for anyone required to work abroad. If your work requires you to travel and you need medical care during the trip, you will have to deal with all of the hospital, medication and emergency transportation expenses if you do not have proper travel insurance. Basic holiday insurance is not recommended for this type of trip. If something were to go wrong, the insurance company would quickly discover that you were not on vacation. Because of the nature of your trip, you would simply be left without coverage, as the risks you would be exposed to would be included in the exclusion conditions stipulated in your contract.
MedEvac is an emergency air ambulance service. This service transports the policyholder to the nearest hospital offering the required treatment. This coverage includes transportation and related medical team expenses, but does not cover subsequent medical and hospital expenses. In addition, this service is not offered worldwide. MedEvac coverage does not always cover repatriation to the policyholder’s country of residence, where his or her healthcare plan can refund medical expenses. The policyholder may be transported to another country where he or she does not have basic insurance.
Repatriation in the event of death
Many people mistakenly believe that in the event of death while traveling abroad, embassies and consulates will repatriate the deceased citizen to his or her country of residence at no cost to the family. In reality, the cost of returning the body, as well as any fees required by local administration or for funeral services and preparation of the remains, will be left entirely for the family to deal with. In order to be covered for this type of expense, the travel insurance policy should include repatriation in the event of death.
Accidental death and mutilation insurance
Like everyone else, reporters are exposed to a huge number of safety hazards in everyday life. These can be as mundane as a fall or a road traffic accident, in addition to the possible dangerousness of the locations reporters visit while on the job. There are numerous dangers. Hazards can be active or passive—for example, a long-forgotten landmine.
In the event of a journalist’s death, relatives have to deal with the hardship of losing financial resources on top of the death of their loved one. Accidental death and mutilation coverage makes it possible to transfer sums to claimants in the event of accidental death. If an accident leads to mutilation, loss of use or total or partial palsy, policyholders receive part or all of the insurance coverage they purchased, which will help compensate for the hardship of loss of income caused by disability.
Property and luggage insurance
Although some insurance options offer coverage for personal belongings during a trip, they do not necessarily cover professional equipment. Professional equipment coverage is not provided in the insurance options below.
Escapade Travel Insurance understands the risks journalists are exposed to and has built the following insurance solutions to meet their needs: