MAP is an innovative international accident and disability plan that provides coverage for individuals living and traveling anywhere in the world, including global “hot spots.” This unique plan covers accidental losses from most acts of War and Terrorism while providing important security, health and travel information before your departure and during your stay abroad. MAP combines up-to-date intelligence with quality coverage to deliver a product unlike any other in the market.

• Businesses or organizations protecting against the loss of a key employee
• Individuals traveling abroad into unfamiliar areas, whether for business or pleasure
• Individuals taking recreational excursions with a greater exposure to risk
• Students and faculty traveling on educational trips
• Individuals traveling into high-risk areas of the world
• Travelers wishing to supplement an existing policy

MultiNational Underwriters, Inc., headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of international travelers. As a TRAVEL GUARD^® International company, MNU benefit sfrom the experience of a corporate group that protected over 6 million travelers last year. MNU's international claims specialists, medical professionals and customer service representatives are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. You will find MNU's service team to be prompt, compassionate, and highly professional.

Lloyd’s, the largest and oldest insurance market in the world, is the insurer of MAP. Rated A (Superior) by AM Best Company, and A (Strong) by Standard and Poor’s, Lloyd’s provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd’s is recognized as a market leader in the accident, health, and life insurance arena and is well known for its innovative products and services. Literally millions of people, in almost every country of the world, rely on Lloyd’s for their insurance needs.

The following Travel Assistance Services are available to you 24 hours a day, 7 days a week while your MAP is in effect.

Pre-Trip Health and Safety Advisories (available after your purchase of MAP, and before your departure) - call TravelGuard for current passport, visa, inoculation and vaccine requirements, as well as up-to-date travel safety advisories.

Livetravel^® Services – TravelGuard will make emergency travel and itinerary changes for you including rebooking flights, hotel reservations and ground transportation arrangements.

BagTrak^® – TravelGuard is the the industry leader in tracking lost baggage. TravelGuard will help you locate your lost baggage, and deliver it to you anywhere in the world.

Emergency Message Relay – TravelGuard will relay messages to your family, friends and co-workers, helping you to maintain contact during an emergency.

Additional Services:

• Medical referrals
• Up-to-the-minute travel medical advisories
• Assistance with prescription drug replacement
• Dispatch of a doctor or specialist
• Emergency travel arrangements for family members
• Lost passport or travel documents assistance
• Embassy and consulate referrals
• Legal and accounting referrals
• Bail bond assistance
• Translation and interpretation assistance

MAP Travel Assistance Services are not insurance benefits, and provision of any Assistance Service is not a guarantee of any other benefit under MAP.

1. The total amount payable shall not exceed the amount corresponding to the largest single Sum Insured stated in the Certificate issued to the Member.
   
   
2. Accidental Death benefit is payable to the Beneficiary selected by the Member and indicated on the Member’s Application. Death must occur within 365 days of the Accident and must be directly attributable to and resulting from Bodily Injury sustained in the Accident.
   
   
3. Accidental Dismemberment benefit is payable to the Member. The Member must survive the Accident for 30 days. Loss of Sight is defined as total and irrevocable loss of sight. Loss of Limb is defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle.
   
   
4. Permanent Total Disability benefit is payable to the Member. Permanent Total Disability is a disablement which entirely prevents the Member from attending to any business or occupation for which they are reasonably suited by training, education or experience and which lasts for 365 days beginning on the date of the Accident. At the end of that 365 days, the Member must be beyond hope of improvement as certified by a Physician selected by the Underwriter.
   
   

Acts of War and Terrorism are covered under most circumstances. Acts of War and Terrorism involving the use or release (including the threat thereof) of any nuclear weapon or device or chemical or biological agent are not covered.

Coverage is not renewable. However, successive periods of insurance may be purchased, subject to availability on the date of purchase.

Coverage is subject to limitations and exclusions. For complete details, please contact us.

Whether you have misplaced your benefit booklet, need assistance with a claim, or have a question about benefits, Client Zone is always ready to respond.

• Change personal information
• Obtain forms to file claims
• Locate doctors and hospitals
• View travel advisories

Individuals must be at least 18 years of age but not yet 65 and be traveling outside of their Home Country to be eligible for coverage. The minimum coverage period is 15 days. Coverage may be purchased in 15-day increments to a maximum coverage period of either 3 or 12 months, depending on the destination. The MultiNational Accident Plan does not provide Home Country coverage.

Your Travel Assistance Services become available on the later of: the date your Application and correct premium are received, or 10 days prior to your scheduled departure. The rest of your coverage becomes effective on the later of: Midnight of the date your Application and correct premium are received, the moment you depart from your Home Country, or Midnight of the date you request on your Application. Your coverage will end on the earliest of: 12:01am of the last day of the period for which you have paid a premium, 12:01am of the date requested on your Application, or the moment you return to your Home Country.

If you are a US citizen, your Home Country is the United States, regardless of the location of your Principal Residence. If you are not a US citizen, your Home Country is where your Principal Residence is located. Your Principal Residence is your true, fixed and permanent home where you receive regular mail.

You can either apply online on this web site or you can send the paper application using the links towards the top of this web page.