Nearly half of people surveyed would refuse to go on a business trip to a location they consider dangerous unless their employer provided them with emergency medical and other services, according to a survey by the Chubb Group of Insurance Companies.

Twenty-three percent of business travelers indicated that they would refuse to go on the business trip; 21 percent said they would go but would refuse to go on the next trip; and 14 percent would go but would look for a new job after returning.

Many employees, however, said they would take the trip if their employers provided access to one or more services. Forty-two percent would go if their employer provided access to reliable emergency medical services, while almost half (47 percent) would travel if their employer provided pre-travel information about the country. Thirty-eight percent would take the trip if their employer provided access to legal assistance abroad.

The Chubb Travel Risk Survey also showed that 61 percent of travelers said they would be concerned about how to locate a qualified doctor in the case of an emergency while traveling overseas, and more than half (52 percent) would not know how to find a trustworthy translator to assist with medical and legal issues. Fifty-five percent would not know whom to contact if they lost their passport or other forms of identification, and 51 percent would want to know how to find a lawyer.

A large number of business travelers (58 percent) would change their travel plans in the event of an elevated terrorist threat. Changes include canceling the trip (21 percent), rescheduling flights to non-peak times (27 percent), using alternative transportation such as a train or bus (22 percent), or flying out of a smaller airport (16 percent).

However, when it came to other preparations to minimize risk, employees were more complacent. Only 35 percent indicated that they would research the hazards related to their destination before the trip. More than 60 percent of travelers don't carry copies of their prescriptions, nearly 40 percent don't carry an extra supply of their medication, nearly 35 percent of travelers don't carry copies of identification with them when traveling (photo I.D., driver's license, passport), and 35 percent don't carry copies of emergency contact information. Furthermore, only 57 percent surveyed carry copies of their travel itineraries.