Montana State University Travel Plans

Montana State University
Travel Plans, Employee Foreign Travel Insurance Coverage and Services

March 5 2008

All travel to foreign countries that is part of your employment with Montana State University should be well planned and undertaken only after careful consideration of all the risk and potential for risk that will be encountered. Each MSU department will take all the necessary steps to insure that employees participating in foreign travel have filed a travel plan in their department and taken all the pre-departure steps necessary. The MSU Office of International Programs, 994-4031, can provide you with a list of all recommended foreign travel precautions and considerations.

In addition to the worker’s compensation insurance coverage provided to employees of Montana State University for occupational injuries and illnesses that occur within Montana, employees are covered by additional insurance policies providing coverage and benefits for travel into foreign countries. The following information provides an overview of these benefits. For additional information and assistance please contact MSU Safety and Risk Management at 994-2711.

Foreign Travel Insurance Coverage:

Insuring Company: ACE American Insurance Company

Policy Number: PHFD36742069

COMMERCIAL GENERAL LIABILITY INSURANCE COVERAGE:

Limits of Insurance Coverages

$1,000,000 each “occurrence”

$1,000,000 products/completed operations aggregate

$1,000,000 personal & advertising injury aggregate

$1,000,000 premises damage limit (each occurrence)

$10,000 medical expense limit (any one person)

CONTINGENT AUTOMOBILE LIABILITY COVERAGE:

Limits of Insurance Coverages

$1,000,000 each “accident”

EMPLOYEE BENEFITS LIABILITY ENDORSEMENT:

Limits of Insurance Coverages

$1,000,000 each claim

$1,000,000 annual aggregate

Coverage Territory for Liability Coverages:

The Coverage Territory for COMMERCIAL GENERAL LIABILITY COVERAGE, CONTINGENT AUTO LIABILITY COVERAGE, and EMPLOYEE BENEFITS LIABILITY ENDORSEMENT means:

ANYWHERE IN THE WORLD, but excludes:

1. the United States of America (including its territories and possessions) and Puerto Rico;

2. any country or jurisdiction which is the subject of trade or economic sanctions imposed by the laws or regulations of the United States of America.

In jurisdictions where ACE USA may be prevented by law or otherwise from paying on behalf of or defending MSU employees, ACE USA will:

indemnify the insured employee for those sums that the “insured” becomes legally obligated to pay as damages to which ACE USA insurance applies, and;
pay the cost of defense and aid and manage the insured employee’s defense.

BENEFITS FOR VOLUNTARY COMPENSATION:

(this coverage only applies to Montana State University employees traveling to foreign countries, it does not provide any coverage for third country nationals or local nationals)

Limits of Insurance Coverages

MT Statutory Limits Worker’s Compensation (Medical & Indemnity)

EXECUTIVE ASSISTANCE SERVICES:

$250,000 policy limit for Medical Assistance Services

EMPLOYER’S LIABILITY:

Limits of Insurance coverages

$1,000,000 each accident Bodily Injury by Accident

$1,000,000 each employee Bodily Injury by Disease
including by “endemic disease”

$1,000,000 policy limit Bodily Injury by Disease
including by “endemic disease”

In jurisdictions where ACE USA may be prevented by law or otherwise from paying on behalf of MSU employees or defending MSU employees, ACE USA will:

1. indemnify an MSU employee for those sums he/she becomes legally obligated to pay as damages to which the ACE USA insurance applies; and

2. pay the cost of an MSU employee’s defense and aid and manage such defense.

Coverage Territory for Employers Responsibility Coverages:

The ACE USA insurance applies:

1. to claims MSU will make for “voluntary compensation” and repatriation for employees of MSU workplaces included below;

2. to claims or suits for damages for employers liability brought against MSU by employees of MSU workplaces included below;

3. to assistance rendered to employees of MSU workplaces included below, when traveling 100 miles or more from home, and to “expatriate MSU employees” without limitation of travel distance:

ANYWHERE IN THE WORLD, but excluding:

1. the United States of America (including its territories and possessions) and Puerto Rico

2. any country or jurisdiction which is the subject of trade or economic sanctions imposed by the laws or regulations of the United States of America.

EXECUTIVE ASSISTANCE:

The foreign travel insurance coverage provided to MSU employees includes Medical, Personal and Travel Assistance Services that are part of EXECUTIVE ASSISTANCE SERVICES. These are provided by Worldwide Assistance a leader in the assistance industry.

When an MSU employee who is covered under this policy becomes injured or ill while traveling with the coverage territory, Executive Assistance Services are available.

Services are provided for MSU expatriate employees and MSU employees engaged in temporary travel including the MSU employee’s accompanying spouse, child(ren) or other companion(s).

Medical Assistance Services:

· Emergency Medical Evacuation is provided when medical facilities are not available locally

· Repatriation to the USA is provided when medically necessary

· Hospital Admission Deposit (USD$10,000) is provided

· Medical Monitoring and regular communication to a person designated by the MSU employee is provided

· Dispatch of a Doctor or Specialist is provided when the MSU employee’s condition cannot be adequately assessed locally.

Personal Assistance Services:

· Pre-Trip Medical Referral Information to multi-lingual doctors and/or addresses and phone numbers for hospitals is provided

· Emergency Medication arrangements and transportation is provided

· Embassy and Consular Information, worldwide, is provided

· Lost Document Assistance for replacing important travel documents including passport and credit cards is provided.

· Emergency Message Transmission to one family member and/or your MSU employer is provided

· Emergency Cash Advance of up to $1,000 in local currency for emergencies is provided

· Legal Access to local attorneys is provided

· Translations and Interpreters is provided

· Benefits Verification and Claims Assistance to help with the coordination of overseas claims procedures is provided

Travel Assistance:

When an MSU employee is hospitalized or evacuated, Worldwide Assistance will arrange:

· Return of traveling companion/dependents

· Return of Vehicle to rental agency

· Emergency Family Travel Arrangements for family members that need to join a hospitalized MSU employee

MSU FOREIGN TRAVEL INSURANCE COVERAGE
CLAIMS ASSISTANCE

In the event of a claim, suit or loss covered under the ACE USA coverages and features described above MSU employees should call the following:

ACE USA Claims Customer Service Center
U.S. International
One Beaver Valley Road
P.O. Box 15394
Wilmington, Delaware 19850
Phone: 302-476-6400
FAX: 302-476-6907

FOR EMERGENCY MEDICAL, PERSONAL, OR TRAVEL ASSISTANCE DURING NORMAL BUSINESS HOURS call:

Outside the U.S. 1-302476-6400

Inside the U.S. call 800-809-0396, ext 6400

Fax 1-302-476-6907

After business hours call 1-770-810-1130, toll free in the U.S. 1-800-523-9254

For additional information about all EXECUTIVE ASSISTANCE and WORLDWIDE ASSISTANCE benefits please contact MSU Safety and Risk Management at 406-994-2711.

If you experience difficulty trying to contact the emergency numbers above and need to talk to someone from MSU Safety and Risk Management after normal business hours, call the MSU University Police at 406-994-2121and ask that they contact the Director of Safety and Risk Management. Please leave a number where you can be contacted and someone will call to assist you as soon as possible.