Insurance Policies
Business Travel Accident Insurance
Business Travel Accident Insurance
All EMU faculty and staff members traveling in the U.S. and internationally (except U.S. Territories), on official Eastern Michigan University business (excluding everyday travel to and from work) are provided coverage for accidental death or permanent total disability. You do not have to enroll in the Business Travel Accident plan. The university pays for the full cost and enrollment is automatic.
If you are traveling to a U.S. Territory contact the Department of Risk Management three (3) weeks prior to your travel in order to determine coverage needs.
When traveling on university-related business, every member of the university community should leave an itinerary with their department and at least one other person prior to departure.
Policy
Coverage is provided by Zurich American Insurance Company.
Travel Assist Card
Zurich Travel Assist® - Provides access to emergency medical, informational, legal, security and personal assistance while traveling away from your principal residence and should always be your first call.
Zurich Travel Assist works on your behalf to assist with filing claims.
Business Travel Accident Insurance FAQs
What is covered?
BTA insurance generally covers medical expenses, accidental death, dismemberment, and disability.
Does BTA cover trip cancellations, delays, or lost luggage?
No, BTA does not. There is a travel inconvenience policy that may address these issues.
Does BTA cover international travel?
Yes, BTA insurance covers both domestic and international business travel with the exception of the U.S. Territories.
Am I covered (before and after) while I am traveling on a combination business and vacation trip?
Yes, coverage is applicable during the actual business travel time and for up to 5 days personal travel.
Is it necessary to seek approval prior to business travel?
Yes, all travel at University expense must be pre-approved. A Concur Travel Request must be completed for overnight travel in advance of booking. All International travel must have Executive Council Approval. All faculty and staff traveling on official University business should review the Eastern Michigan University Travel Policies and Procedures [PDF].
Am I covered while doing private consulting?
No.
Travel Inconvenience Insurance
Travel Inconvenience Insurance is intended to cover travel cancellation, interruption, delay and rearrangement, loss of personal property and electronic business equipment. It is not intended to cover items confiscated by Customs.
Post-Departure Interruption & Travel Delay Benefit
Pre-Departure Trip Cancellation & Baggage/Personal Effects Benefits
Filing a Claim
Claims Department
Zurich American Insurance Company,
P.O. Box 968041
Schaumburg, IL 60196
Telephone: 1-877-287-4805