Family Protection
PLAN FOR THE FUTURE
Protection for those you value most
ELEVATED EXPERTISE
Dedicated guidance for you and your family
When it comes to protecting your loved ones, feeling as confident as possible in the resources you’ve put in place to protect them is paramount. Our dedicated advisors provide highly personalized service and access to top-tier coverage, customized to provide your family the protection and support they need to recover physically, emotionally, and financially from situations that threaten their security. We stand by your side and put our experience to work to find solutions tailored to your family’s needs.
CRITICAL COVERAGES
Shielding you from the unexpected
You, your family, and your safety are our priority. We know how emotionally and financially taxing it can be to recover from a serious crime, which is why our experts are here to help you understand your coverage options, including:
Kidnap and ransom insurance
Kidnap and Ransom insurance, often referred to as K&R or Special Risks insurance, is a policy intended to protect individuals, families, and organizations against a variety of security risks, including threat of violence, extortion, home invasion, disappearance, wrongful detention, and child abduction, as well as kidnap for ransom. Political or security evacuation can also be included in the policy.
International travel protection
Purchasing travel insurance for your next trip is an essential step in protecting you against unexpected events like your trip being canceled, interruptions due to sickness or injuries while abroad, flight delays, and much more. We can help secure customizable travel insurance for your next trip that allows you to select only the benefits you need.
You will gain access to the following to help ensure safety while traveling.
- 24/7 emergency & travel assistance
- Available coverage for pre-existing medical conditions*
- Available cancel for any reason coverage*
- Coverage for adventure activities
*Must purchase the plan within 15 days of initial trip deposit and insure entire trip cost to qualify for waiver of Pre-Existing Medical Conditions exclusion. Cancel For Any Reason Coverage must be purchased within 15 days of initial trip deposit and more than 10 days before departure date, must insure the full trip cost, and cancel before 48 hours of scheduled departure.
International medical insurance
International medical insurance is crucial for individuals who travel or live abroad. Coverages could include:
- Coverage beyond borders – Most health insurance plans are designed to cover medical expenses within the country of residence. When you travel internationally, your existing health coverage may not apply effectively. International medical insurance ensures that you have access to quality healthcare wherever you are and helps cover emergency medical expenses, which could include hospitalization, outpatient care, and wellness services.
- Emergency situations – International health insurance could provide reimbursement for emergency medical expenses, including medical evacuations. Knowing you’re protected in case of a medical emergency allows you to focus on enjoying your travels.
- Financial protection – Healthcare costs can be exorbitant in some countries. International insurance could provide financial protection against unexpected medical bills. If you need to be evacuated to your home country for medical reasons, insurance could cover these expenses.
- Coverage for pre-existing conditions – Some international insurance plans offer coverage for pre-existing medical conditions. This is especially important for travelers with chronic health conditions. Be sure to understand the terms related to pre-existing conditions in your chosen plan.
- Ease of visa processing – Many countries require proof of adequate health coverage for visa issuance. International medical insurance fulfills this requirement and can help expedite your visa application process.
- Flexible plans – Choose a plan that fits your needs. Options include levels of coverage, additional extras, and excesses. International insurers offer 24/7 support from in-house clinicians and multilingual case managers.
Cyber Insurance
Personal cyber insurance can cover a wide array of cybercrimes, ranging from cyber and ransomware attacks to data breaches and online fraud. Since all policies are different, we’ll work with you to determine your specific needs and help you understand what’s covered, what’s not, and available coverage limit options. This will empower you to make informed decisions that help keep your family, assets, and yourself as protected as possible.
Depending on how you and your advisor structure your policy to meet your individual needs, coverages may include:
- Cyber extortion – covers the costs associated with the threat of releasing personal data or blocking access to personal networks and devices.
- Data breach – covers notifications, credit monitoring services, and identity restoration support.
- Online fraud – covers financial loss resulting from phishing attacks, online scams, e-commerce fraud, and more.
- Restoration services – services to help recover lost or stolen data and restoration of devices and systems after a cyberattack.
- Legal and PR expenses – covers the cost of legal services as well as PR support to manage any reputational damage.
THE BALDWIN GROUP INSIGHTS
Stay in the know
Our experts monitor global events and the insurance industry to provide meaningful insights and help break down what you need to know, potential impacts, and how you should respond.
Your journey begins here
When you decide to partner with us, you choose to
protect your legacy with solutions and professionals
as unique as your lifestyle.