International Insurance Services

Protecting People and Business Across Borders

When business takes you or your team across borders, the right insurance is essential. International insurance helps protect employees, organizations, and travelers from the unexpected - whether it’s medical emergencies, lost baggage, or trip disruptions. Below are three common scenarios where international coverage provides peace of mind and financial security.

Find the Right Coverage

We’ve partnered with trusted international insurance carriers to make it simple to choose a plan that fits your needs. Explore your options by on the type of group you are to find the right protection for your organization, employees, or upcoming trip.

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01

Large Groups Traveling Overseas

Schools, universities, nonprofits, and companies often organize group trips abroad. These programs can involve dozens - sometimes hundreds - of participants. International insurance ensures that everyone is covered for medical care, evacuation services, and unforeseen emergencies while abroad. Having a single, coordinated plan simplifies logistics for organizers and provides uniform protection for every traveler. Talk with us about how to best arrange their coverage.

02

Overseas Employees

When employees are stationed abroad for weeks, months, or even years, standard health and travel insurance usually isn’t enough. International employee insurance helps fill the gaps by covering medical treatment, prescriptions, and sometimes even wellness care in the host country. This type of coverage not only protects employees but also supports employers in meeting their duty of care obligations, keeping global teams safe and supported. Talk with us about how to best arrange their coverage.

03

Frequent International Business Travelers

For employees who regularly fly overseas for meetings, conferences, or negotiations, frequent-traveler insurance is designed for convenience and flexibility. It typically bundles multiple trips into one plan, covering medical needs, travel delays, lost luggage, and other risks - so your team can focus on business without worrying about the unexpected. Talk with us about how to best arrange their coverage.

Protect Your People, Protect Your Business

No matter where your work takes you, international insurance ensures that you and your team are prepared for the unexpected. From single overseas trips to long-term global assignments, the right coverage gives you peace of mind and allows you to focus on what truly matters—your mission, your business, and your people.

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Voluntary Benefits

At Municipal Benefits, we take a personalized approach to designing voluntary benefits plans for local governments. We understand the importance of aligning these plans with your existing benefits programs while keeping a close eye on your budget. We work closely with you to ensure that the voluntary benefits we offer complement your employees' needs and provide them with comprehensive coverage.

Best Values

Municipal Benefits is committed to delivering the best value to our clients. We regularly review products, carriers, and services to ensure that you get the most cost-effective and valuable options. Our team acts as your dedicated market shopper, carefully selecting offerings that not only save you money but also enhance the overall quality of benefits for your employees.

Recruitment and Retention

Enhancing the recruitment and retention of top-quality personnel is a priority for us. Our comprehensive menu of voluntary benefits and other products gives your organization a competitive edge. When employees see the exceptional value in the benefits you provide, they're more likely to regard your organization as an attractive place to work and build their careers.

Purchasing Power

Leveraging the collective purchasing power of local governments in North Carolina, we ensure that your employees have access to significantly more cost-effective products compared to traditional vendors. This not only reduces expenses for both the employer and employees but also results in a stronger benefits package.

More Lenient Guidelines

We recognize the unique challenges faced by small local governments. With our underwriting guidelines, we offer a more flexible and accommodating approach, making it easier for smaller organizations to provide comprehensive benefits to their employees. This flexibility ensures that every employee, regardless of the size of the government, can access the coverage they need.