Frequently Asked Questions

Financial protection is a serious subject and in creating our specialist membership benefit scheme for journalists we worked with a number of journalists in the field, past and present, as well as the IFJ and the IPI.  We aim to make financial security as simple, effective and as inexpensive as possible so that every journalist, including freelancers can afford the essential protection they need.

We’ve attempted to cover as many of the key questions below but if you don’t find the answer you need then just drop us a line.

Am I eligible to purchase membership benefits from™ ?
You are eligible to buy membership benefits from™ if you are a journalist or member of the media sector such as a producer, sound recordist or fixer; and you are aged at least 18 years.
When and where am I covered under my membership from™ ?
You are entitled to membership benefits 24/7 for the number of weeks purchased, including while at work or at leisure. Membership benefits are restricted to countries within the zone(s) you selected. If you selected the Extreme zone then that covers all areas.
What protection can membership benefits provide me for?
1) Accidental death
2) Permanent disability
3) Medical expenses – from accident and sickness
4) Medical evacuation and repatriation

A full copy of the terms and conditions of membership can be found here on our downloads page.

PDF Downloads
Does my membership benefits include cover for war and terrorism?
Yes, as long as the member is not a combatant actively participating in war or terrorism.
What if I am not traveling to a hostile country? Do I still need membership from™ ?
Typically more accidents happen at home or in your home country than abroad. Your member benefits provide valuable 24/7 protection worldwide while at work or leisure.
Can I add additional zones for short periods of time?
Membership can be purchased on a weekly basis, from one week right up to one year. This includes war zones and US citizens whether at home or abroad.
For membership rates and benefits see the table on our application page.
Our insurance rates and zones
Can I cancel or downgrade my membership benefit?
No return of membership contributions is offered for downgrading or cancellation of zones in your membership.
What if I don't see my country in the Home Country list, can I still purchase membership from™ ?
Yes, membership benefits are available everywhere. You can contact us at and we will find a solution for you.
What happens at the end of my Membership?
At the end of your membership your protection will end.You can buy additional membership benefits whilst on assignment.
Do we offer membership benefits for luggage, camera equipment or personal items?
No, We only cover you not your personal affects.
Do we offer K&R (Kidnap and ransom) benefits?
Currently we don't offer Kidnap and Ransom membership benefits for individuals however we are continuing to talk to journalists about their requirements and to our underwriters about this becoming an option for our clients. If you have a large group and require K&R membership benefits then do call or drop us a line and we can create a bespoke membership plan that precisely matches your needs.
How do I file a membership claim?
Making a claim should be as easy as buying a membership. Simply contact 24/7 our specialist emergency assistance partner, Northcott Global Solutions Ltd on:

Tel: +44 (0)207 183 8910
Back up Mobile: +44(0) 7785627433

You can find a link to a full guide of what you need to do in the event of a claim here:

Making a claim
Product information
This product is provided by Isle of Man Assurance Limited (IOMA) with the payments facilitated by their appointed intermediary, AFL Insurance Brokers Ltd. AFL Insurance Brokers Ltd is a Lloyd's Broker and is authorised and regulated by the Financial Conduct Authority. Firm Reference No. 308657. AFL Insurance Brokers Ltd is registered in England No. 3575050. Our registered office is: 8 Lloyd’s Avenue, London EC3N3EL.
Making a claim
Can you provide membership to US journalists?
Many US journalists struggle to get protection due to regulatory constraints preventing sale of insurance in different jurisdictions. At™ our solution allows us to offer our insurance, medical and repatriation benefits globally including to US journalists and media personnel.
Is this a health insurance policy?
No, it's a solution which provides protection via the benefits of membership which includes sickness and accident medical expenses outside your home country in all the countries in the Zone you have selected and lower Zones subject to a € or $ 250 deductible per membership claim. The amount of the benefits available is limited to the sum you have selected.
What medical expenses do my membership benefits plan cover?
Full details of the medical expenses covered by your membership benefits are set out in the membership terms and conditions which can be viewed on our 'Downloads' page:
Downloadable PDF
Am I eligible for 'sickness and repatriation' in my own country?
No. You are covered for sickness and repatriation from all the countries in your chosen zone except your home country.
Am I covered under my membership benefits from™ if I participate in sports and activities?
Yes. Benefits are available for accidents while participating in all sports and activities.
Are pre-existing conditions covered under my membership benefits from™ plan?
Yes, membership benefits do cover pre-existing conditions but only those for which you have not received treatment for a period of 12 months or more.
What happens at the end of my Membership period
At the end of your period of cover membership benefits will end. Additional benefits can be purchased at any time.
Can I extend my membership benefits if I plan to travel for longer, for additional trips or to different zones?
You can simply apply online at for additional benefits via your membership . If you have any problems then please contact us at
How do I renew my membership at™
You can log on to our site at any time from your PC or your smartphone to buy new membership. If you have any questions at all then do drop us an email .
Do you have a Facebook account?
Yes, we share news, views and relevant articles on Facebook.
Follow us on Facebook
How do you determine which country belongs to which Zone?
In every city, region, state and country there are low and high risk areas and probably some people who live in these areas may think we are rating their country incorrectly.

Insurance is all about the anticipated losses based on the statistics the insurer is working with, and based on the information our insurers have they have placed the counties in the zones. If the claims experience is better or worse than expected that may mean a country could be moved into another zone.

If somebody buys a policy and the country they are traveling to is moved up a zone the policy they have bought will be honored and they needn’t worry about having to check. The next policy they buy to that country may cost them more or less depending on the current risk profile of that location

View all our zones and rates
Are you active on Twitter?
Please take a moment find us on Twitter. We want to reach as many Freelance journalists as possible as we are often told that they didn't know that low cost, short term protection is available to them so please follow us and share updates you think are relevant.
Follow us on Twitter

Looking for PDF downloads?

You can download our brochures which cover our rates, KeyFacts, terms and conditions of membership all in PDF format for you to keep or share with colleagues. Don’t forget we can tailor cover to the needs of your group, organisation or federation.

Vew all our PDF downloads

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