etfs offers comprehensive insurance products specialized for group clients, including group travel, inpatriate and expatriate insurance programs. These products are complemented by Global Excel’s first-rate assistance, claims administration and cost containment services. Global Excel has developed its own proven cost containment expertise in North America by utilizing a variety of methods to achieve maximum savings, while always ensuring that the best care is delivered. The result is a package of benefits that are highly marketable, easy to administer and cost competitive.