This coverage is for individual travellers going to high-risk destinations and/or participating in activities not covered by conventional travel insurance. Select from a variety of benefit options including emergency medical coverage, accidental death, and disability. Coverage is available for expenses related to war and terrorism. The quote process for special risk coverage is lengthier than conventional travel insurance, so an application should be submitted as early as possible prior to travel. Note: this coverage is not available to US citizens at this time.