10 Tips for Drafting a Corporate Duty of Care Policy in the Wake of COVID-19

Airport MaskDuty of care is a complicated matter to address as COVID-19 still presents risks to workforces that travel internationally. Businesses of all kinds have a moral and legal responsibility to ensure that their employees are protected and can perform their duties without any complications. Today, even fully vaccinated travelers run the risk of contracting COVID or can be challenged by sudden travel restrictions that arise in a matter of minutes.

For the travel manager or business leader who wants to ensure their workforce’s safety, use these tips to allow your employees to focus on work rather than the complications of COVID-19.

  1. Draft a policy that requires employees to book business travel through an approved travel provider.
  2. Install the CAP app on all company-issued phones to access the one-touch emergency assistance button and 24/7 unlimited live assistance.
  3. Have your policy include CAP COVID-19 benefits that addresses hospital-to-hospital transfers and mandatory quarantine expenses as they happen.
  4. Every duty of care policy should outline the risks associated with business travel during the COVID pandemic.
  5. Ensure to detail in your policy that the company is obligated to report any changes to the risks associated with business travel, including emerging restrictions or border closures due to COVID-19.
  6. Clearly outline the implementation of a travel tracking system to ensure their ongoing safety.
  7. Inform employees how they are required to communicate with travel managers using an international travel communication protocol.
  8. Ensure your policy includes details regarding your employees’ right to “refuse work.”
  9. Make it clear that the employer will know details of their location at all times and can immediately locate employees through CAP’s travel tracking technology.
  10. Employees must sign the policy reflecting that they have read and understood the travel policies and procedures.

Mask PhoneFocusPoint International’s CAP Travel Medical and Security Assistance Plan comes with a robust mobile app that includes destination-based health, safety, and security intelligence, COVID-19 specific information, a one-touch assistance button, and much, much more.

The CAP Plan includes unlimited 24/7 advice for a long list of travel mishaps often overlooked by traditional travel insurance, including COVID quarantine cost coverage. It also provides a fully-funded response to incidents of riots, strikes, and civil commotion, natural disasters, with medical evacuation to a home hospital of choice, should your staff suffer from a medical mishap resulting in hospitalization.

Airplane WingFocusPoint International (FocusPoint) is a global assistance company that delivers an integrated suite of health, security and incident response services through information, technology, and people. FocusPoint is in the business of identifying and illuminating possible threats, mitigating risks, and responding to crises events impacting people and organizations engaged in global business and leisure travel.

FocusPoint is set to revolutionize safe business travel for tens of thousands of workers that must travel internationally for work. Contact us today and address your duty of care obligations that have been complicated by COVID-19.

Will Travel Insurance Protect My Family if COVID Joins the Trip?

Family on GrassGet the Facts on Travel Insurance and Ensure Your Family Vacation is a Positive Experience

Travel insurance continues to play an important role for those who travel internationally, especially those who vacation as a family. While family vacations have been complicated by the ongoing COVID-19 pandemic, now might be the perfect time to head overseas or down south to warmer weather. Becoming sick from COVID is still a very real possibility during international travel, so the interest in travel insurance has skyrocketed in recent months.

But is travel insurance enough to protect your family from COVID? The pandemic is still a real threat, and international travelers risk contracting the highly contagious DELTA variant. Some vacationers might be surprised that travel insurance can only do so much in the event you or someone you love catches COVID. An unexpected quarantine can ruin travel plans and cost you thousands of dollars in hotel costs, testing, and other complications.

Ensure the safety of your family during your next international vacation and avoid some of the surprises that come with traveling internationally during the pandemic.

PlaneDoes Travel Insurance Cover International Family Vacations?

With the amount of flexibility being offered by airlines and travel providers, many leisure travelers have had the opportunity to snag amazing deals for a family vacation. For years, purchasing travel insurance for an international trip has been a no-brainer, well before the pandemic began. But the truth is, travel insurance has become highly complicated due to the pandemic, and in some cases, it might simply not be enough.

Travel insurance offers great value to consumers looking for coverage for lost luggage or canceled trips, but many exemptions and complications are hidden in the fine print. Before you pack up the family, ensure you understand what your travel insurance offers and what potential travel mishaps are overlooked.

What COVID Complications Can Arise During an International Family Vacation?

These are the top travel mishaps that could occur during your next family vacation:

  • Catching COVID and self-isolation
  • Failing required COVID testing before boarding a plane
  • Forced quarantine due to contracting COVID
  • Unexpected quarantine upon arrival
  • Hospitalization that is due to contracting COVID
  • Sudden border closures or other travel restrictions

Globe with MaskWill Travel Insurance Address All COVID-Related Travel Mishaps?

Travel insurance can address some of the travel mishaps associated with traveling, but not all. Unexpected quarantines and hospital-to-hospital transfers may not be included with traditional travel insurance, and consumers may have to pay out of pocket for these services. 

The CAP Plan includes transportation of a CAP customer from the medical facility where they are hospitalized and receiving medical treatment to their home hospital of choice, when possible. The goal? To get CAP customers home, safe.

It also includes a wealth of valuable services for pandemics, including real-time intelligence reports, ground transportation support, emergency medical evacuation (medevac), and the costs of a CAP customer’s COVID-19 mandatory quarantine expenses (for up to 14 days).

While a handful of international travel medical insurance providers now cover pandemics like COVID-19 (including some quarantine expenses), it’s only on a reimbursement basis, which means the customer must pay out of pocket (and then go through a claims process for reimbursement of eligible expenses).

The flat-fee CAP Plan doesn’t require a claims process, so customers are saved from paying out of pocket and the cost of deductibles or service fees.

Family at beachTravel with CAP During Your Next Family Vacation

FocusPoint International’s CAP Travel Medical and Security Assistance Plan comes with a robust mobile app that includes destination-based health, safety, and security intelligence, COVID-19 specific information, a one-touch assistance button, and much, much more.

The CAP Plan includes unlimited 24/7 advice for a long list of travel mishaps often overlooked by traditional travel insurance, including COVID quarantine cost coverage. CAP also provides a fully-funded response to incidents of riots, strikes, and civil commotion, natural disasters, with medical evacuation to a home hospital of choice, should you suffer from a medical mishap resulting in hospitalization.

Contact us directly to learn more about available offerings tailored for family travel.

What Happens If I Get COVID During Travel Internationally?

COVIDGetting COVID While Traveling: Important Frequently Asked Questions Answered

The risks of contracting COVID-19 continue to be very real, especially during international travel. The DELTA variant continues to pose issues for the entire travel industry, and many are faced with risking their wellbeing in close-quarter travel. Getting COVID while traveling could put a traveler in a difficult spot, having to navigate quarantines, testing, and potentially hospitalization while in a foreign country.

Whether you are a leisure traveler heading overseas or a corporate traveler conducting business abroad, take the steps necessary to ensure your safety while traveling during the pandemic. Find answers to common questions related to getting COVID while traveling, including travel insurance coverage, quarantines, and much more.

Can Flying Internationally Increase My Chances of Getting COVID While Traveling?

Yes. Unfortunately, the nature of international travel makes it difficult to socially distance on flights or in busy airports.

Airport MaskWill Travel Insurance Cover Me If I Get COVID While Traveling?

Travel insurance will likely not cover all the costs related to contracting COVID while traveling. Travel insurance typically covers the costs associated with a canceled trip, but each policy is different. Unexpected quarantines, COVID testing, and hospitalization will likely be paid out of pocket by the traveler.

What Is Covered by Travel Insurance If I Get COVID While Traveling?

Some travel insurance policies offer emergency medical coverage should a traveler need to visit a doctor or is hospitalized during their trip. The fine print of many travel insurance policies reveals a long list of exemptions that may leave travelers to pay out of pocket for out-of-country medical care. Most importantly, travel insurance is likely not to cover the costs of transferring you from an international hospital to a hospital of your choice or the costs of an unexpected quarantine at a designated hotel.

What Is Not Covered by Travel Insurance If I Get COVID While Traveling?

Travel insurance is likely not going to cover the costs of medical evacuations or hospital-to-hospital transfers. Should you become sick during your trip and need to return home for care, travelers might be left with a life-changing emergency medical transportation bill.

Consumers are encouraged to seek supplemental travel products to their traditional travel insurance, as many travel insurance policies often overlook emergency transportation.

For instance, the CAP plan includes transportation of a CAP customer from the medical facility where they are hospitalized and receiving medical treatment to their home hospital of choice, when possible. The goal? To get CAP customers home, safe.

QuarantineWill Travel Insurance Cover Me If I Get COVID While Traveling and Need to Quarantine?

Travel insurance will likely not cover the costs of an unexpected quarantine during international travel. Corporate and leisure travelers should know that traveling abroad remains complicated by sudden travel restrictions, COVID outbreaks, and testing that might force a traveler to isolate in a designated hotel. Typically, traditional travel insurance policies do not include the costs of a quarantined hotel. The CAP Plan offers a wealth of valuable services for pandemics, including the costs of a CAP customer’s COVID-19 mandatory quarantine expenses (for up to 14 days).

While a handful of international travel medical insurance providers now cover pandemics like COVID-19 (including some quarantine expenses), it’s on a reimbursement basis, which means the customer must pay out of pocket (and then go through a claims process for reimbursement of eligible expenses).

The flat-fee CAP Plan doesn’t require a claims process, so customers are saved from paying out of pocket and the cost of deductibles and service fees.

COVID TestWill Travel Insurance Cover Required COVID Testing for Air Travel and Border Crossing?

Most travel insurance providers will not cover the costs of required COVID testing during travel. Each travel insurance policy is different, and consumers are encouraged to read the policy’s fine print carefully.

Before You Get COVID During Travel, Purchase CAP, Powered by FocusPoint

FocusPoint International’s CAP Travel Medical and Security Assistance Plan comes with a robust mobile app that includes destination-based health, safety, and security intelligence, COVID-19 specific information, a one-touch assistance button, and much, much more.

The CAP Plan includes unlimited 24/7 advice for a long list of travel mishaps often overlooked by traditional travel insurance, including COVID quarantine cost coverage. It also provides a fully-funded response to incidents of riots, strikes, and civil commotion, natural disasters, with medical evacuation to a home hospital of choice, should you suffer from a medical mishap resulting in hospitalization.

Contact us directly to learn more about available solutions for international travelers concerned about getting COVID during international travel.

7 Ways You Can Protect Yourself & Others From COVID-19

Find a travel assistance plan with emergency response and assistance benefits for viral outbreaks like COVID-19.  Learn more about what the CAP plan includes.