Skip to main content
ITIJ

Main navigation

  • Latest
  • Magazine
  • Service Directory
  • Awards
  • Advertise
  • Subscribe

Secondary

  • Travel Insurance
  • Company News
  • Assistance & Repatriation
  • Air Ambulance
  • Travel
  • Health
  • Hospitals & Healthcare
  • Insurtech
  • General Insurance
  • Latest
  • Magazine
  • Service Directory
  • Awards
  • Advertise
  • Subscribe
  • Travel Insurance
  • Company News
  • Assistance & Repatriation
  • Air Ambulance
  • Travel
  • Health
  • Hospitals & Healthcare
  • Insurtech
  • General Insurance

Breadcrumb

  1. Home
  2. Latest
  3. Latest Long Read
  4. International legal assistance for corporate and individual travellers

International legal assistance for corporate and individual travellers

Publishing Details

Travel Insurance

1 Dec 2022
Alex Thompson
Featured in ITIJ 263 | December 2022

Share

Airport

The latest ‘must-have’ item for corporate and individual travellers? International legal assistance, says Alex Thompson of Legaroo

Traditionally, international insurance and assistance plans were never particularly inclined to consider legal issues as a critical part of their coverage. It was too difficult and messy to find the right providers in a lot of places. Consequently, why bother with such a complex service?

In fact, the majority of providers that do include some sort of legal coverage in policies would limit its reach and effectiveness. Usually, they just have a list of lawyers that would come at the traveller’s expense, or serve as a bridge to transfer or even lend money for bail purposes. In the rarest cases, some would provide remote legal advice, but limited to transit-related assistance only.

Why is legal assistance needed?

Let’s consider some broadly disseminated misconceptions on international legal assistance:

•            Travellers will never face an urgent and unforeseen legal event abroad

It certainly can happen. You can be the most responsible traveller in the world, yet still become a victim, whether out of risk, ignorance or chance. Also wrongfully believed is the concept that legal issues abroad are incarceration related, when in reality there are thousands of potential legal issues in a different country.

•            The Embassy will help

Not really. The Embassy will only provide a list of local lawyers at the traveller’s expense and will therefore not assume any costs.

•            My lawyer has worldwide expeditious reach

Unfortunately not. In 99.9 per cent of cases, your local counsel will try to find legal help in the country of destination, but not necessarily in a timely fashion and in your required area of law, which can cause painful delays.

•            I can quickly find an in-destination law firm willing, able and motivated to react to simple-to-complex general civil or criminal issues as a first responder, at a cost-effective rate

Not really. Why, when a simple payment of a parking or speeding ticket costs thousands of dollars in legal fees for an in-destination, high-end corporate law firm?

Keep on reading

Torch

The professionals prioritising safety in popular destinations

The desire to explore destinations off the beaten track has never been greater, but as health, geopolitical and socioeconomic forces collide, what risks are travellers facing, and what can the…

Read More

1 Jul 2022

Lauren Haigh

Joint responsibility and duty of care for legal assistance

So, we can clearly see the problem of a paucity in legal assistance. However, lacking a comprehensive legal travel complement is not the fault of the international insurance and assistance plans providers alone. Responsibility also lies with the travel industry itself – and the consumer side that does not push and force these plans to update. For example, human resources (HR), travel managers and travel agents do not even question the current risk management standards imposed by a few certification companies, such as the International Organization for Standardization (ISO) or Committee of Sponsoring Organizations (COSO), and blindly relies on them as a form of relief from ultimate responsibilities.

When we consider that HR and travel managers just look to comply and tick the boxes of a travel risk management form – which is not currently updated for post-Covid times – then they tend to make mistakes. The vicious cycle goes like this: a risk management standards certification company will provide a form to HR and travel managers, who comply with it and purchase the services the risk management standards certification boxes have previously indicated. No questions asked, just relief.

It would appear that HR and travel managers have done their job. But  have they really?

Camel

Legal point of contact for travellers

The pandemic changed everything. When borders shut down in March 2020, millions of travellers were stuck in foreign countries for legal reasons, not medical ones. The majority were not sick, just legally prohibited to transit, among other limitations such as forced curfews and quarantines. But in that extreme situation, who is a trusted source of legal information?

In a complex regulatory environment, it’s the job of HR, travel managers and travel agents to stop for a moment, rethink, then analyse the new problems their travellers may experience abroad.

When any traveller is outside of their country, they need a ‘just-in-case’ legal point of contact

Today, when any traveller is outside of their country, they need a ‘just-in-case’ legal point of contact, who becomes the trusted party to assist and navigate an unknown legal environment – potentially exacerbated by language and cultural barriers. In a perfect world, the right path is to access a trusted network, provided by an international insurance and/or assistance company. But it doesn't exist.

Experience counts

As a worldwide legal assistance provider, we have seen everything. And it’s quite common that a simple legal issue can escalate into a nightmare. Disputes around smoking, alcohol, drugs, driving and common civil issues are more common than you would think. But another misconception is that legal issues abroad are limited to sophisticated cases involving incarcerations.

Travellers may face legal issues abroad out of ignorance, mistake, chance, bad luck or just by being a victim of a crime

For example, just before the requirement of entering the US with a negative Covid test was lifted, we had to deal with many individuals facing judicial procedures in Latin America for being scammed into purchasing false Covid tests, just to be detained for holding a false document when trying to get back home. As mentioned, travellers may face legal issues abroad out of ignorance, mistake, chance, bad luck or just by being a victim of a crime. The issue is, who’s there to expeditiously help a traveller navigate the unknown legal system? Particularly when the systems themselves can change from one week to the next in this Covid era.

Key questions for HR, travel managers and travel agents: 

•            What are our duty of care, safety and prevention policies?

•            What are my travellers insured for?

•            What are my travellers NOT insured for?

•            What are the contingency plans for uninsured situations?

•            Can the uninsured items become insured per the new needs of my duty of care, safety and prevention policies?

•            Which insurance and/or assistance company would be willing to adapt and provide comprehensive solutions?

Keep on reading

Money

Meeting the needs of travel insurance customers

Graeme Trudgill, Executive Director of the British Insurance Brokers Association (BIBA), discusses the role that brokers can play in satisfying the demands of customers in today’s ever changing travel market

Read More

1 Sep 2022

Grame Trudgill

Specific legal risks at specific times for international travellers

One upcoming event that deals with legal risks for travellers is the Qatar World Cup in November.

Just imagine: close to a million football fans, all entrapped in Doha – a city twice the size of Manhattan – surrounded by a desert with not a lot to do or visit, with three to four days to ‘fill up’ between games. Throw in restricted hours for drinking, in a totally unknown legal environment, with obvious language and cultural barriers.

You can be the most responsible traveller in the world, yet still become a victim, whether out of risk, ignorance or chance

Adding a comprehensive legal component to international insurance and assistance plans for those heading to the World Cup is a huge business opportunity, as the execution of the service will almost certainly be quite low. It also undoubtedly delivers value to the plan, as you provide a ‘peace of mind’ solution that adds to the medical component of the policy. One may argue that in this particular event, legal help becomes more valuable than medical assistance.

I hope this article has shown the inescapable duty of the travel industry into rethinking logical policies on safety and prevention while travelling, relative to current needs.

ITIJ 263 cover

This article originally appeared in

ITIJ 263 | December 2022

Read Full Issue
Publishing Details

Travel Insurance

1 Dec 2022

Share

Alex Thompson

With more than 20 years of experience as a Corporate Attorney, Alex participated in hundreds of cross-border transactions. In 2017, by drafting ideas and experiencing common needs of international travellers, Alex, and co-Founder Adrian Obando, drafted the concept of Legaroo, as a legal platform of information and legal assistance to international travellers facing urgent and unforeseen legal events while abroad. Alex and his Legaroo team currently research innovative products, with the objective to provide fresh and new forms of services through Legaroo’s global platform of lawyers and law firms.

Keep on reading

athens acropolis

ITIC Global: Provider Network Forum

Hosted by Laura Hilton, Co-founder of Fairmount International, this event brought together numerous sectors of the insurance industry to discuss what the future holds and how it needs to work…

Read More

27 Oct 2022

Alex Bell

Global Medical costs

ITIC Global: Medical costs in the US

Jason Davis, Raija Hoppula Itzchaki and Gitte Bach shared their wisdom on the US healthcare system, giving the audience insights into legislation and negotiation that can help international payers contain…

Read More

26 Oct 2022

Kate McLaughlin

ITIC Travel trends

ITIC Global: Travel trends

Nejc Jus and Robin Ingle spoke about future travel trends, focusing on how specific countries are responding to the Covid-19 pandemic, how optimism is high for the future, plus the…

Read More

24 Oct 2022

Alex Bell

ITIJ

Footer menu

  • About Us
  • Contact
  • Privacy Policy
  • Terms

Social

  • LinkedIn
  • Twitter
International Travel & Health Insurance Conferences

© Voyageur Publishing & Events 2023