Atlas International Visa

OPTIONAL CRISIS RESPONSE BENEFIT RIDER

 
YOU ARE COVERED FOR:

1. Ransom; and/or
2. Crisis Response Fees and Expenses; and/or
3. Personal Belongings; and/or
4. Natural Disaster Evacuation

KIDNAPPING AND EXPRESS KIDNAPPING

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. Notification: Before surrendering a ransom, the person authorizing the surrender shall have notified or made every reasonable attempt to notify:

a. The Federal Bureau of Investigation or local law enforcement agencies as soon as practicable bearing in mind the safety of the person(s) held or threatened; and
b. Unity Advisory Group / On Call International via us.

2. The surrender of a ransom must not be:

a. Carried by, transported by or otherwise in your possession at the time that an express kidnapping or kidnapping first occurs; or
b. At the location where an express kidnapping or kidnapping first occurs

3. Confidentiality: You must at all times use best efforts to ensure that knowledge of the existence of this insurance is restricted as far as possible.

YOU ARE NOT COVERED IF:

1. Any kidnapping or express kidnapping first occurs in Afghanistan, Central African Republic, Democratic Republic of the Congo, Iraq, Libya, Mali, Niger, Nigeria, North Korea, Pakistan, Somalia, Sudan, South Sudan, Syria, Venezuela, Yemen, or any country for which we are prohibited from transaction due to sanctions by the United States Department of the Treasury’s Office of Foreign Assets Control (OFAC).
2. Any express kidnapping or kidnapping is a result of fraudulent, dishonest, or criminal act(s) by you or an authorized representative (whether acting alone or in collusion with others) unless the person authorizing the ransom payment had, prior to payment, made every reasonable attempt to determine that the ransom demand or threat was genuine.
3. Expenses arise directly or indirectly from anything in the General Exclusions.

Limits of Liability:

1. Certificate Period Aggregate: Our total liability for all insured losses shall not exceed the certificate period aggregate limit set forth herein.
2. In the event that you are covered by two or more policies issued by us covering insured losses arising from a kidnapping or express kidnapping, it is agreed that our aggregate liability for insured losses sustained by you shall not be cumulative and shall in no event exceed the largest amount available under any one of the policies.

The following definitions apply to Optional Crisis Response Benefit Rider – Kidnapping and Express
Kidnapping:

Valuation We shall not be liable for more than the actual cash value of any consideration at the time of its surrender. If insured losses involve currency other than that of the United States of America, we shall not be liable for more than the United States Dollar equivalent of foreign currency based on the rate of exchange in the Wall Street Journal in effect on the day the monies are surrendered and/or expense incurred.

Crisis Response Fees and Expenses means all fees and expenses of Unity Advisory Group / On Call International related to your kidnapping or express kidnapping. 

Express Kidnapping means the actual physical abduction, transportation, and holding of you against your will for a minimum of one (1) hour where your personal belongings and/or readily  available assets are surrendered by you in exchange for your release.

Kidnapping means the actual physical or physical abduction and holding of you against your will by a person or persons who demand a ransom specifically from your assets in exchange for your release.

Insured Losses means the following covered losses and expenses: ransom, personal belongings, and/or crisis response fees and expenses.

Personal Belongings means monies and/or property of monetary value that are:

1. Being carried or transported by you when an express kidnapping or kidnapping first occurs; and
2. Are surrendered during the course of an express kidnapping or kidnapping.

Ransom means monies and/or other consideration of monetary value that are surrendered or to be surrendered by you or on your behalf to meet an express kidnapping or kidnapping demand.

NATURAL DISASTER EVACUATION

We will provide evacuation due to a natural disaster which makes your host country location uninhabitable. The method of transportation will be determined by us.

YOU ARE COVERED FOR:

1. Transportation to the nearest safe location; and
2. One-way economy airfare to return you to your home country following a Natural Disaster Evacuation; and
3. A maximum of three (3) days for reasonable lodging accommodations if you are delayed at the safe location and unable to depart to your home country.

YOU ARE NOT COVERED unless you fulfill the following conditions:

1. You cannot obtain commercial transportation to the nearest safe location within a time period:

a. Enabling you to leave the host country in time to avert imminent bodily harm; or
b. Complying with the time allowed to leave the host country pursuant to the orders of the recognized government of that host country; or
c. Officials of the host country or the U.S. Embassy, have issued, for reasons due to the Natural Disaster situation, a recommendation that the categories of persons which include you should leave the host country; or

2. Your location in the host country is deemed uninhabitable by us.

3. You must contact us as soon as possible after your host country issues the official disaster declaration; and

4. Travel arrangements are approved in advance and coordinated by us.

YOU ARE NOT COVERED IF:

1. You are able to leave your host country by normal means, such as changing a commercial airline ticket; we will assist in rebooking flights or other transportation. Such expenses for non-emergency transportation are your responsibility.

2. Expenses are directly or indirectly from anything in the General Exclusions.

The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. We shall not be held liable for any delays that are not within our direct and immediate control, or your failure to comply with our recommendations, or where rendering of service is prohibited by local laws or regulatory agencies.

If evacuation becomes impractical due to hostile or dangerous conditions, we will maintain contact with and advise you until evacuation becomes viable or the natural disaster situation has been resolved.

We shall be under no obligation to provide the services to you, who in our sole opinion, are located in areas that represent conditions in which providing services is impossible, including without limitation geographical remoteness, war (declared or undeclared), civil or other hostilities or political unrest.

The following definitions apply to Optional Crisis Response Benefit Rider – Natural Disaster Evacuation:

Host Country means the country which you have traveled to and which is not your home country.

Imminent Bodily Harm means the existence of any condition or circumstance, which cannot be avoided through reasonable precautionary measures, and could be expected to cause death or serious physical harm to you, if you were to remain in the affected area where the natural disaster event has occurred.

Natural Disaster means an event of natural cause, including wildfire, earthquake, windborne dust or sand, volcanic eruption, tsunami, snow, rain, or wind, that results in widespread and severe damage. Natural disaster does not include the direct or indirect effect of rain, wind or water associated with named storms meeting the definition of hurricane or typhoon, except in instances where:

1. The path of the named storm deviates by a distance of greater than 200 miles within a 72-hour period from the path forecast by a nationally recognized meteorological service

2. Or less than 72 hours advance notice of a potential landfall for a named storm exists.

Uninhabitable means your host country location is deemed unfit for residence, as determined by us in accordance with U.S. and local authorities, due to lack of habitable shelter, food, heat and/or potable water AND no suitable supplemental housing is available within 100 miles of the disaster site.

All other provisions of the Master Policy remain unchanged.