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When the FCDO, US State Department, or equivalent updates its advice, standard corporate travel insurance typically goes void overnight. Sicuro Group delivers protective security, secure transport, and 24/7 response for the trip, and arranges specialist high risk travel insurance for the destination through our insurance partner. One conversation, one package, fully briefed and supported.
Same business day response, UK business hours
When the FCDO, US State Department, or equivalent updates its advice, standard corporate travel insurance typically goes void overnight. Sicuro Group delivers protective security, secure transport, and 24/7 response for the trip, and arranges specialist high risk travel insurance for the destination through our insurance partner. One conversation, one package, fully briefed and supported.
Same business day response, UK business hours
Note. Sicuro Group is a risk management consultancy, not an insurance broker. Specialist travel insurance is underwritten and sold by HotSpot Cover. See the disclaimer at the foot of the page.
A business has a project to deliver overseas. The team is booked, the dates are set, and HR confirms cover only to find the corporate travel policy contains a government advisory exclusion. The destination is now under “advise against all but essential travel” or “Level 3 / Level 4,” so cover does not respond regardless of conditions on the ground.
The trip still has to happen and the team still has to be looked after. What is needed is a way to deploy people safely, with cover that actually responds, ground support that can operate in the environment, and an audit trail that satisfies the employer’s duty of care obligations.
The same situation comes up under FCDO advice in the UK, US State Department Level 3 and Level 4 advisories in the United States, DFAT advisories in Australia, and Global Affairs Canada advisories. We work the problem the same way in all four markets.
Travel insurance for high-risk countries (sometimes called mission insurance or war-risk travel insurance) is built for trips that standard corporate policies exclude. Cover is underwritten on a per-trip or annual basis against a defined destination and travel period.
Cover remains in force in destinations under FCDO "advise against all but essential travel," US State Department Level 3 or Level 4, and equivalent DFAT or Global Affairs Canada advisories.
Explicit cover for passive war and terrorism incidents that standard travel policies exclude.
Emergency medical treatment in territory and evacuation to the nearest appropriate facility, with high per-person limits.
Medical repatriation home and, where required, repatriation of mortal remains.
Security and medical response paired with the policy, including optional kidnap, ransom, and extortion benefits by destination.
Trip cancellation, curtailment, and disruption benefits, including evacuation curtailment if the destination security situation deteriorates.
Cover, limits, and exclusions are set by the underwriter and detailed in the policy schedule and wording. Always read the policy before purchase. Specialist travel insurance is underwritten and sold directly by HotSpot Cover.
If you also need protective security, secure transport, briefings, or 24/7 response in destination, talk to Sicuro.
We arrange the insurance through our partner and run everything else around it.
Most enquiries we receive at the moment concern business travel to the Gulf and wider Middle East. Government advisories have shifted significantly across the region. Below is a summary of the current position for UK travellers under FCDO advice.
Always check gov.uk/foreign-travel-advice for the latest detail before any travel decision.
FCDO advises against all but essential travel to the UAE. Standard UK business travel cover is typically void for Dubai, Abu Dhabi, and other emirates while the advisory is in force.
FCDO advises against all but essential travel to Qatar. Standard UK business travel cover is typically void for Doha and elsewhere in the country while the advisory is in force.
FCDO advises against all but essential travel to Bahrain. Standard UK business travel cover is typically void for Manama and elsewhere in the country while the advisory is in force.
FCDO advises against all but essential travel to Kuwait. Standard UK business travel cover is typically void while the advisory is in force.
FCDO has issued shelter-in-place guidance for parts of Saudi Arabia and advises against all travel to within 10km of the Yemen border. Some standard policies restrict cover in the country; check your wording.
FCDO has issued shelter-in-place and departure guidance for parts of Oman, including Duqm. Some standard policies restrict cover in the country; check your wording.
Other destinations currently subject to FCDO “advise against all but essential travel” or “advise against all travel” include parts of Jordan, Lebanon, Iraq, Iran, Israel, Palestine, Syria, Yemen, Egypt, and Afghanistan. We work in all of these. The same exclusion logic applies under US State Department, DFAT, and Global Affairs Canada advisories.
A coordinated support package built around the trip. Take some or all of these elements depending on what is needed and what is already in place.
Close protection officers, security drivers, and in-country support teams matched to the threat picture and traveller profile. Vetted, briefed, and deployable across our operating regions.
Armoured or soft-skin vehicles, vetted drivers, planned routing, contingency planning, and supervised journey management. Airport meet-and-greet through to departure assistance.
High-risk travel cover that remains valid in destinations affected by FCDO and equivalent advisories, includes war and terrorism cover, and pairs with medical and security response. Underwritten and sold by HotSpot Cover. Sicuro is the nominated security response provider behind the policy.
Destination-specific risk read, embassy and medical facility mapping, communication protocols, and traveller briefing pack. Aligned to ISO 31030 and documented for your duty of care file.
Continuous monitoring of the security and medical picture across 140+ countries, real-time alerts, and access to our crisis response team for the duration of the trip.
The standards, processes, and audit trail an FCDO-affected trip requires the employer to have in place. Written briefs, traveller consent records, and post-trip review.
One brief, one team, one package. We work alongside your HR, mobility, and security functions to deliver everything the trip needs, from cover to ground response.
Destination, dates, headcount, what the work is, and any cover already in place. Same business day response. No obligation.
Specialist travel insurance underwritten by our partner against your destination and travel period, alongside the Sicuro support package your team needs on the ground.
Continuous monitoring throughout the trip, real-time alerts, and direct access to medical, security, and evacuation response if the situation moves.
Reinsurance capacity backing the policy
Lloyd's reinsurance partner
Financial strength behind every claim
Nominated security response partner
Specialist travel insurance is underwritten and sold by HotSpot Cover. Sicuro Group is not an insurance broker or intermediary and does not advise on, arrange, or assess insurance contracts. For independent insurance advice, consult an FCA-authorised broker. See disclaimer below.
Reinsurance capacity backing the policy
Insurance underwriter
Financial strength behind every claim
Nominated security response partner
Specialist travel insurance is underwritten and sold by HotSpot Cover. Sicuro Group is not an insurance broker or intermediary and does not advise on, arrange, or assess insurance contracts. For independent insurance advice, consult an FCA-authorised broker. See disclaimer below.
Yes. This is the most common reason UK businesses come to us. Sicuro provides protective security, secure transport, briefing, and 24/7 response for the trip, and arranges specialist travel insurance through our insurance partner HotSpot Cover, who underwrites and sells the policy direct.
Tell us about the trip and we respond the same business day.
Probably not. As of 2026, the FCDO advises against all but essential travel to the United Arab Emirates, Qatar, Bahrain, and Kuwait. Standard UK corporate travel insurance is voided in those destinations while the advisory is in force. Saudi Arabia and Oman are not subject to a blanket FCDO “advise against” advisory at present, but shelter-in-place guidance has been issued for parts of both, and some standard policies restrict cover in either country regardless. Read your policy wording carefully or get in touch and we will help work out the position.
For trips to any Gulf or wider Middle East destination, specialist travel insurance through our partner remains valid where standard cover does not, and Sicuro’s regional teams are already operational across the region.
Specialist travel insurance for high-risk destinations (also called mission insurance or war-risk travel insurance) covers what standard travel policies exclude in FCDO advisory destinations: validity at “advise against all but essential travel” levels, war and terrorism, medical evacuation and repatriation, 24/7 crisis response, and typically optional kidnap and personal accident benefits.
The full list of covered events, limits, and exclusions is set by the underwriter and detailed in the policy wording. Always read the policy before purchase.
Standard corporate travel insurance contains a government advisory exclusion clause. UK policies void cover when the FCDO publishes “advise against all but essential travel” or higher. US policies typically exclude or severely limit cover for State Department Level 3 (“Reconsider Travel”) and Level 4 (“Do Not Travel”) destinations. Australian and Canadian standard policies behave the same way under DFAT and Global Affairs Canada advisories.
The trigger is binary and applies regardless of conditions on the ground.
Same business day for the initial response. For most UK-domiciled trips of one to thirty days to FCDO advisory destinations, the full package of risk briefing, ground support, and insurance through our partner can be in place within a few working days. For imminent departures, flag this in the brief.
It depends on destination, headcount, trip duration, and the level of ground support required. The insurance premium is set by HotSpot Cover’s underwriting and is destination-driven. The Sicuro side is priced against the scope of support agreed. Tell us about the trip and we come back with a structured response covering both sides.
Sicuro has run operations across 140+ countries since 2005. We are particularly active across the Middle East, North Africa, Sub-Saharan Africa, and South Asia, where most FCDO advisory destinations sit. Operating capability is region-specific. Tell us where and when.
Yes. HotSpot Cover accepts US, Australian, and Canadian Country of Domicile and can issue policies in USD, AUD, or CAD as well as GBP. US State Department, DFAT, and Global Affairs Canada advisories trigger equivalent exclusions in standard policies in those markets, and we work the problem the same way.
Yes. The full policy wording, including all covered events, limits, conditions, and exclusions, is published by HotSpot Cover and available to read before any purchase. You can access the policy documentation at hotspotcover.
If you need a specific wording reviewed by your legal or compliance team before a decision, tell us in the enquiry and we will make sure the right documentation reaches them quickly.
No. Sicuro Group is a risk management and operational resilience consultancy. We are not an insurance broker, insurer, intermediary, or agent and we are not authorised by the Financial Conduct Authority. We do not advise on, arrange, or assess insurance contracts.
Specialist travel insurance is underwritten and sold by HotSpot Cover. Sicuro’s role on the insurance side is limited to being the nominated security response provider for the policy’s security claims handling. For independent insurance advice, consult an FCA-authorised broker.
Yes. Sicuro Group provides ongoing travel intelligence, country risk monitoring, and real-time advisory support as part of our Travel Risk Management services. Our assessments combine operational intelligence, regional expertise, and live monitoring to help organisations make informed travel decisions before and during travel.
Travellers and organisations can also access Sicuro Group’s free travel risk tools, including the Free Travel Risk Map and the Free Travel Risk Map. These tools provide live travel intelligence, country and regional risk visibility, airspace and border updates, and emerging security alerts to support safer travel planning.
We also recommend reviewing official government travel advisories alongside professional security and medical intelligence sources when travelling to higher-risk destinations.
Five fields. Same business day response by phone or email from a Sicuro consultant.
No obligation.
For active emergencies, call:
Important. This page is informational only. It is not insurance advice, not an offer of insurance, not a financial promotion of an insurance product, and not a recommendation to buy any particular insurance product. Sicuro Group is a risk management and operational resilience consultancy. We are not an insurance broker, insurer, intermediary, or agent. We do not advise on, propose, quote, arrange, sell, distribute, or administer insurance contracts, we do not perform demand or needs analysis for the purposes of any insurance contract, we do not assess the suitability of any insurance product, we do not collect information from prospective customers for the purpose of arranging insurance, and we do not endorse insurance products or make insurance decisions. References on this page to a specific underwriter (HotSpot Cover) are provided as market information only.
HotSpot Cover is a trading name of Opportuna Insurance PCC Limited International Risks Cell, licensed and regulated by the Guernsey Financial Services Commission. Cover is subject to underwriting, eligibility, and the full terms, conditions, limitations, and exclusions in the policy schedule and wording. Read the policy at hotspotcover.com before any purchase, and direct all policy questions to the insurer. Sicuro Group has two commercial relationships with HotSpot Cover: (a) Sicuro is the nominated security response provider behind HotSpot Cover policies, for which Sicuro is remunerated under a separate service contract for security claims handling on a professional basis, and (b) Sicuro may receive a referral fee from HotSpot Cover for onward web traffic via the link on this page. Medical assistance under HotSpot Cover policies is handled by the insurer’s appointed medical assistance provider, not by Sicuro. Neither fee paid to Sicuro constitutes remuneration for any insurance distribution activity, and the security claims handling role falls within the carve-out from the IDD distribution definition. This page does not survey every option available; UK businesses should consider their full range of choices, including consulting an FCA-authorised insurance broker for advice on their specific circumstances. Sicuro Group is not authorised or regulated by the UK Financial Conduct Authority. All trademarks belong to their respective owners.
FCDO information on this page is general and may not reflect the latest position. Always check current advice at gov.uk/foreign-travel-advice before any travel decision.
