business trip travel insurance uk

• Single Trip
• Annual Multi-Trip
• Winter Sports & Ski
• Collision Damage Waiver
• Sport & Leisure
• Medical Conditions
• Travel Insurance for Non-UK Residents

Group Travel Insurance

• Travel Insurance for Couples
• Covid-19 travel insurance
• About Our Travel Insurance
• Holiday Cancellation Insurance
• Emergency Medical Assistance Cover
• Emergency Medical Cover for Travel Insurance
• Repatriation Insurance
• Baggage Cover
• Travel Insurance for Under 18s
• Comprehensive
• What's Covered
• Excluded Vehicles
• Range Rover
• Car Hire Excess Insurance
• Policy Information
• File a Claim
• Insurance Glossary
• Coronavirus - Annual Multi-trip Policy

Business Travel Insurance

What is business travel insurance? 

If you’re planning a business trip, you should make sure you’re protected in case something doesn’t go to plan. With our business travel insurance policies, you can choose the perfect cover for you. Whether you're travelling once or taking multiple trips, heading to Europe or visiting further afield, our business travel insurance is appropriate for most travellers.

By purchasing travel insurance for your business trip, you can take the unnecessary worry out of travelling, so you can concentrate on the job at hand. Our specialist business travel insurance is designed with professionals in mind. That’s why we include cover for business equipment, alongside medical expenses, loss and cancellation. This way, you can rest assured that should anything unexpected happen, the essentials will be taken care of.

As with our usual policies, you can feel safe in the knowledge that our global team of experts are on hand to provide support and assistance if something goes wrong. With over 13,000 people working across five continents and speaking 58 languages, we’ll be by your side wherever your work takes you.

Below is some more information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

What does business travel insurance cover? 

With our business travel insurance, you can choose between a Single Trip or Annual policy. We also have two levels of cover: Silver and Gold.

Whichever level of cover you choose, our Single Trip and Annual policies include business equipment cover, so you may not need to take out separate laptop travel insurance. We can even send a replacement business associate to complete your itinerary if you have to cut your journey short.

Business travel insurance can protect you if you need to cancel your trip before you travel, or if you need to curtail your journey. If your departure or your personal belongings are delayed, we can provide some compensation. We’ll even provide legal support to claim compensation for a fatality, or if you fall ill or are injured on your trip.

We also understand that medical cover is important. That’s why our travel insurance for business trips covers emergency medical expenses, personal accident and personal liability cover. You’ll have 24-hour access to a GP consultation service  too.

To help protect you while you’re away, our policies can cover you if you lose your passport, personal money or personal possessions. If you choose our Gold cover, you’ll also be protected against the financial failure of your end-supplier.

To see exactly what our business travel insurance policies include, please visit the  Policy Information Hub . 

The right cover to fit your needs for you and your travels

Swipe to view more

Business Silver

Business gold, annual multi-trip silver with business, frequently asked questions.

Whether our Single Trip or Annual business travel insurance is right for you will likely depend on how often you travel.

If you’re only planning on taking one business trip this year, then our Single Trip business travel insurance is the right insurance policy for you. But, if you’re a frequent traveller and you plan on taking multiple trips, our Annual business travel insurance could work out to be a more cost-effective option.

You can work out whether a Single Trip policy or an Annual policy is best suited to your needs by getting a business travel insurance quote online.

If you’re thinking of combining business with pleasure on your trip, while many sports and leisure activities are covered as standard on our Business Travel policies, from 5th May 2021, we will not be able to provide cover while you take part in riskier Category 3 and Category 3 sports and leisure activities like kite surfing and rubgy. This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again. Policies purchased after 5th May 2021 aren't affected and your cover won't change.

If you’re likely to hit the slopes while you’re away, then we do offer  Winter Sports and Ski as an optional addition to your policy. This will provide you with protection against ski-specific risks such as avalanche closures, delayed or damaged ski equipment and unused ski-pack costs. 

How to ensure you have the right cover

Does your bank or credit card company provide cover.

Many bank accounts and credit cards come with some level of travel insurance cover. While some may be comprehensive, they may not cover you for everything you have planned whilst you’re away, particularly if you have adventurous plans or unusual excursions booked. 

Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans.

Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover. In most cases, it allows you to get your money returned to you if your provider defaults and you cannot travel.

Are you covered by ABTA or ATOL?

If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down.

Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home.

What is an EHIC or GHIC and what can it offer you?

Get peace of mind – whether travelling for work or play – with our additional cover options.

Annual Multi-Trip Travel Insurance

Single Trip Travel Insurance

Golf Travel Insurance

Sports & Leisure Insurance

Travel Insurance for Europe

Travel Insurance for people with Medical Conditions

Get peace of mind – whether travelling for work or play – with our additional cover options .

Other products you may like 

Need help? Call us on: 0371 200 0428

Make a claim, policy documents.

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers  featured in the MoneyHelper  directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm) or Email: [email protected]

FCA Regulation: Product governance matrix

FCA Regulation: Product oversight and governance

News: Corporate news

News: UK regional

News: Investors

News: Podcast

Claims: Claims difference

Claims: Claims stories

Claims: Report a claim

Contact Us: Careers

Contact Us: Get in touch

Contact Us: Locations

Business Travel Insurance

Business travel insurance helps keep your employees protected when work takes them away from home

If your employees travel as part of their job, we can help you meet your duty of care obligations. We provide comprehensive business travel coverage and innovative digital solutions. From pre-travel training and advice, to handling complex medical and security emergencies, we’ll make sure you and your employees are in safe hands. 

Feel secure knowing your employees are covered wherever they travel

Who it's for:.

• Multinational corporations or companies with employees who regularly travel overseas
• Government agencies
• Non-profit organisations with employees, students or members living and working around the world
• Flexible workers and those working in remote locations
• Employees with specialist occupations such as crew members and offshore workers
• International assignees on long-term placement

What it covers:

• Care:  With 24/7 emergency medical assistance, we can help your employees should they become sick or suffer with their mental health while travelling. 
• Security:   Our 24/7 security assistance helps keep employees safe through pre-travel guidance, emergency evacuation, and specialist risk assessments. 
• Convenience:  An employee thousands of miles from home loses their bag or has a flight cancelled. We can help through access to 24/7 helplines and a swift claims response.
• International healthcare expenses:  Make sure hospital bills and other medical costs are covered for employees when they’re working in a foreign country.

Business travel programmes to protect your employees wherever you do business

Business class assistance.

From pre-travel advice through to a dedicated worldwide 24/7 telephone service for medical and security assistance, our business travel clients are never more than a phone call away from expert help and advice. 

Chubb Travel Smart

A handy smartphone app for travelling employees providing easy access to pre-travel advice and training, medical and security assistance, live location-based alerts and useful country information. 

Online Visa Portal

Access and download real-time insurance documentation to support visa applications. 

Chubb Claims Portal

Award-winning online portal to notify claims in a few simple steps. 

We care about the financial security of employers and their workers

Global reach. Local expertise. Safe travel for everyone Whether your business is big or small, takes you around the world or just around town, Chubb is there for you. Our breadth of experience lets us provide the guidance and service you need, whenever you need it, wherever you may be.

Partnership that’s personal We work to understand your business and where you’re headed so we can be proactive about meeting your needs. We invest in getting to know you, your team, and your customers. The goal: to help you see ahead, be ahead, and stay ahead.

Creative problem-solving Insurance isn’t one-size-fits-all – and neither is our approach. Our playbook is always evolving because we’re always helping clients avoid risk in smarter ways. That means we bring the latest thinking and a fresh perspective to solving your challenges.

Unmatched expertise and financial strength We’ve served clients and partnered with leading organisations for more than 200 years. Our longevity, expertise, and financial strength are the bedrock of our business.  

What is business travel insurance?

Business travel insurance is a specialist programme of cover for travelling employees and others travelling on behalf of your business. Unlike standard leisure travel insurance, business travel cover is tailored towards employees and includes increased limits, specialist 24/7 medical and security assistance, and sophisticated pre-travel guidance and risk assessments. 

What does a business travel accident policy cover?

Your business travel insurance programme should be designed to cover the needs of specific employee groups, from short term travellers to international assignees. Typically cover would include:

• Medical expenses including for pandemics
• Access to immediate 24/7 medical and security assistance
• Lost business equipment, personal belongings, and money
• Disruption benefits including cancellation and curtailment
• Personal liability
• Replacement staff costs

Do I need travel insurance for a business trip?

In today’s changing risk landscape, specialist business travel insurance is crucial to helping ensure employee wellbeing and peace of mind. Talk to a specialist to help you design the most appropriate level of cover. 

How is my business travel insurance quote calculated?

We only need estimated travel patterns to provide a quotation. We do not need specific trip or personal information or data. We can then arrange immediate cover for all business travellers under a group policy.

What happens if I need a VISA to travel?

In most cases, a VISA application would ask for evidence of appropriate travel insurance. A Chubb policy provides all the covers required for entry requirements and VISA applications around the world. Our online VISA portal enables you to access your policy documentation in real-time to support your VISA application. 

Business Travel case study

Safety tips for the business traveller

Spotlight on business travel

Chubb Travel Smart Brochure

Contact sheets

• Policy Wordings
• FAQ’s

Single Trip

Winter sports.

• Coronavirus Travel Insurance
• View All Policies
• Excess Waiver
• Large Scale Events
• Auto Flight Delay Payment
• Travel Insurance for High Blood Pressure
• Travel Insurance for Heart Conditions
• Travel Insurance for Diabetes
• Snowboarding
• UK Travel Insurance
• South Africa
• Existing Customers
• Retrieve a Quote
• Cancel Policy
• Amend Policy Dates
• Upgrade Policy

• What is albert & eddie?
• Trustpilot Reviews
• Customer Reviews
• Customer Testimonials
• Write A Review
• Which? Best Rate Travel Insurance
• Our Insurers
• Holiday Extras
• Single & Annual Multi Trip Travel Advice
• Backpacker Travel Advice
• Over 65s Travel Advice
• Cruise Travel Advice
• Winter Travel Advice
• Medical Travel Advice
• Sports & Activity Travel Advice
• Family Travel Advice
• General Travel Advice
• The FCO’s Travel Aware Campaign
• Which Countries are Covered by our Policies?
• Which Activities are Covered by our Policies?
• Protectif – Online Medical Screening
• Money Helper Directory
• Benefits Of Travel Insurance
• Travel Insurance for Dummies
• Refer a Friend
• Claims Information
• Claim Forms
• Cover Levels
• 24/7 Emergency Assistance
• Press Releases
• Press Office
• Useful Links

Business Travel Insurance

At Holidaysafe, we understand that in our modern world, business is operated on an international scale, and every year millions of people jet around the world for business rather than pleasure.

If you’re planning a business trip, you must make sure you have quality travel insurance which will cover your business needs. That’s why Holidaysafe offers great policies that are suitable for both business and leisure!

Benefits of Holidaysafe’s Travel Insurance policies include:

• Featured on the Which? Best Rate tables ☆
• Cover for cancellation, personal belongings¹, cash and travel documents cover plus much more
• Up to £10 million to cover emergency medical expenses
• 24/7 access to our Emergency Assistance team
• Ability to quickly amend or change your details in our FREE customer area
• Gadget cover included as standard on most policies
• No upper age limits on single trips (depending on your destination and duration of choice)
• An exclusive discount on at-home COVID tests

Simply click the ‘Get a Quote’ button at the top of the page, and pick your policy type, e.g. Single Trip. Then you will be able to go through our quick and easy quote process.

As well as these added benefits, every Holidaysafe policy includes:

• Cover for UK, Europe and Worldwide destinations available.
• Multiple levels of cover, so you can choose the best policy to suit your travel requirements.
• Over 100 sports and activities covered as standard
• To find out more benefits of our travel insurance, read our dedicated travel insurance benefits page

Get a Quote

• Featured in the Which? Best Rate tables since 2010 ᶤ
• Award-Winning Travel Insuranceɸ
• Save 15% Online!Ɨ
• FREE and SECURE Customer Area
• Discounts on Couples & Family Policies
• 24/7 Emergency Medical Assistance

Award Winning Travel Insurance

• Featured in the Which? Best Rate tables since 2010 ⱽ
• Finalists - 'Best Travel Insurance Provider' in the 2022 Insurance Choice Awards

¹ Under cover for personal possessions, there is no cover for items owned by a business or used for business purposes, including cash

☆The Which? Best Rate feature applies to Holidaysafe’s Premier cover, based on a 24-day Single Trip policy with Worldwide cover, including the USA. The table was last updated on Which?’s website on 30/06/2023.

*Please note, Holidaysafe’s online prices automatically include a 15% discount against our customer service centre prices

• Terms & Conditions
• Privacy Policy
• Cookie Policy

Holidaysafe is a trading name of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN 306537. Registered Office: 1 Tower View, Kings Hill, West Malling, ME19 4UY. Travel Insurance Facilities Plc registered in England No. 3220410. All rights reserved. All policies offered are on a non-advised basis.

To get a quote please choose one of the following policy types:

*Save 15% when buying online

*Please note, Holidaysafe’s online prices automatically include a 15% discount against our Customer Service Centre prices.

¹ Under cover for personal possessions, there is no cover for items owned by a business or used for business purposes, including cash.

Annual Multi Trip

The Business Insurance Bureau

• Call us: 0141 332 7076
• Email: [email protected]
• Visit: 7 Queen's Crescent, Glasgow, G4 9BW

Making it cheaper by doing it right since 1983

Business Travel

What is business travel insurance.

The policy can be tailored to suit your needs and can even be extended to cover spouses and/or children when accompanying an employee on a business trip.  Premiums would depend on cover chosen. The number of employees, no of trips and destinations would all be taken into account for rating purposed.

Standard Policies include:

• Personal belongings and business equipment – your laptop and tablet could be covered
• Extra travel expenses if you miss any connections during your outward or final return journey home.
• You could be reimbursed for any costs as a result of cancelled flights or if the airline goes bust.
• Some policies could also offer golf clubs and other sports equipment cover as standard.

Additional Benefits could include:

• Medical treatment and transportation costs back to the UK if you’re ill or injured whilst away.
• With trip cancellations and curtailment, you could be covered if you need to cancel or cut your trip short.
• You could also receive accident, liability and legal cover if your find yourself in trouble on your trip.
• Cover would be provided in the event of any medical treatment / hospital bills whilst travelling abroad. Pregnancy and Childbirth are automatically excluded and if there are any pre-existing medical conditions these should be referred to Insurers for their consideration.

Let's make it cheaper, by doing it right

What's covered, cancellation, curtailment, and change of itinerary.

Cover will be provided should you have to cancel your journey or if your journey is cut short due to circumstances unforeseen and outwith your control. Exclusions would again include Pregnancy (within 2 months of expected date of birth), Childbirth, Redundancy or if you simply change your mind to travel. Financial failure of any transport or accommodation provider or their agent would also be excluded.

Hijack, Kidnap, Detention

The policy can be extended to include this cover although there are usually monetary limitations applied and you should check your policy document. Similarly, travel to and from certain destinations would also be routinely excluded.

Travel Delay

Should your trip be delayed, your insurers will provide reimbursement towards accommodation costs if necessary or alternative transport where possible. There are time limits that apply to this section of the policy and such costs may be on a scaled benefit dependent upon the circumstances.

Cover will not be provided in the event of failure to adhere to your itinerary or in the event of any industrial action that you were aware of at the time of booking or given advance notice of.

Personal Liability

The policy would provide legal liability on a personal basis however any liability arising out of the insured’s trade, profession or business would be excluded. The policy would also exclude any liability in relation to liability arising out of the use of any mechanically propelled vehicle, aircraft or waterborne craft.

Personal Baggage

Cover can be extended to include loss of or damage to personal baggage and in certain circumstances money towards emergency clothing and toiletries although this is sometimes dependent upon the level of cover chosen.

Full details again can be found in your policy schedule. Some items such as contact lenses or electronic equipment may also be excluded from this section. Personal Money and Credit Cards are also excluded as they would be insured separately.

Passport Indemnity

Cover is extended to include any loss of or theft of your passport although any such loss must be reported to the consulate usually within the first 24 hours of discovery.

Money & Credit Card Extension

The policy can be extended to include money and credit cards but the loss of cash is usually limited and this will be shown in your policy schedule. Theft from any unattended vehicle would also be excluded.

Legal Expenses

Legal expenses cover would be provided should you sustain an injury or illness and wish to raise legal proceedings against the third party responsible.

Cover would be limited and full co-operation would be required with your Insurers and their legal representatives.

Frequently Asked Questions

A pre-existing condition usually means any medical condition for which medical advice, diagnosis, care or treatment was recommended or received. It is always a good idea to speak to the insurer you are thinking of using to check whether they will include your condition on the policy.

Most annual policies will cover travel within the UK. It’s always best to check before parting with your money though.

Details of what you are covered for can be found in your  policy wording and Key Facts . Levels of medical cover, personal liability cover and any other types of cover that you have purchased will be noted within your documents.

Related Covers

Employer's liability, professional indemnity, business interruption, don't take our word for it, see what our clients say..., making the small print...big.

A reprocessing plant did not reveal a series of small fires during their insurance year.

Following repeated false alarms, a retailer didn’t reveal that Police Response had been withdrawn.

A restaurant omitted to reveal repeated minor floods from an upstairs nightclub.

A construction company didn’t reveal potential employee claims recorded in their accident book.

A company failed to reveal written warnings to an employee over repeated dangerous driving.

A company failed to reveal that it had been ‘struck off’ by Companies House and was trading as a new legal entity under a different designation.

Not ready to quote? Have a nosey at our cheery leaflets...

Recent feedback on our Extra Mile Claims Service for COVID-19

A life saver.

Panini's, Waterloo St, Glasgow

Fantastic service, a real steady hand through a very stressful time.

Karen Robertson

George Anderson and Son, Fruit Market

Team were absolutely awesome went over and above. Very supportive. 

David Burnett

The Caledonia Bar, Perth

It has ensured we were able to open up with no staff being laid off. 

David Hastings

Spitaki and Mail Boxes Etc Edinburgh

The claim was well handled and resulted in an adequate payment. Many thanks to Bob Hannah for getting the right policy set up

Norman Ferguson

Norman Ferguson Marketing

It was a great help to my business.

Franco Palombo

Palombos of Balloch

It meant we could stay afloat and prepare for reopening. 

Andrew Still

Elena's Restaurant

Who are The Business Insurance Bureau?​

The Business Insurance Bureau is a niche specialist underwriter and commercial insurance broker, defying conventional categorisation, comprising of a small number of gifted individuals forming a collective intellectual giant.

We have developed our own unique range of quality insurance products, which has given the business a competitive advantage in several areas. Being in control of the entire process, from enquiry to policy issue, has allowed our business to deliver service levels hitherto unimaginable in this sector, or indeed for a business of its physical size.

We insure a spectacularly diverse clientele, similarly exclusive and excellent in their field, who rely on The Business Insurance Bureau to protect their assets, minimise their liabilities and secure their future.

• World Class Customer Service
• Competitive Premiums
• Taking the Risk out of Management
• Extra Mile Claims Service
• Unsurpassed Expertise
• Unparalleled Experience

Privacy Overview

• [email protected]
• 01903 235042

• Business Travel Insurance

Our Business Travel Insurance product has been developed to provide a highly valuable resource to companies looking to arrange annual travel insurance for employees that travel abroad on business trips.

Automatically Included

• Holiday Travel and Winter Sports Extension automatically covered for All Directors or Partners, their Partner(s) and Dependant Child(ren)
• Corporate Guests and Sub-Contractors automatically covered whilst travelling on behalf of the Insured
• Personal Baggage wording on a ‘replacement’ basis
• No pre-existing medical condition exclusions (provided they are not travelling contrary to medical advice, to obtain treatment or after a terminal prognosis)

Eligibility

Business Advantage is not available:-

• If there have been claims in the last three years, or incidents that could have given rise to a claim had this Insurance been in force.
• To client’s with trips lasting more than 31 days
• To sole traders
• Heavy Manual or Hazardous Trades (such as offshore work, construction and haulage), actors, armed forces and professional sports

SECTION and SUM INSURED per Insured Person per Insured Journey

Accidental Death/Loss of Eyes, Limbs, Speech, Hearing, Permanent Total Disablement Up to £50,000

Cancellation, Curtailment, Travel Disruption Expenses - Up to £10,000

Employee Replacement Expenses - Up to £7,500

Personal Baggage, Business Items and Money - Up to £7,500

Medical Expenses and Repatriation - Up to £10,000,000

Personal Liability - Up to £2,000,000

Hi-jack, Kidnap and Kidnap for Ransom - Up to £250,000

Travel Delay - Up to £750

Rental Vehicle Excess Waiver - Up to £250

Political and Natural Disaster Evacuation Expenses - Up to £15,000

Holiday Travel and Winter Sports Extension - Automatically covered for all Directors and Partners of the Insured

ACCEPTANCE CRITERIA

The quotation will be issued on the basis that you meet certain criteria. If you cannot confirm the statements below are true for your business, then please contact us so that we can provide you with a bespoke quotation.

•    You are not a Sole Trader

•    You are a UK Registered Company

•    Your business is none of the following

Airline; Charity or Aid Relief; Construction: building, roofing, scaffolding, steeplejacks; Entertainment: actors, musicians and singers; Emergency services: ambulance, police, fire, search and rescue; Farmers; Media: journalists, radio and television presenters; Shipping: dockworkers, ships crews; Skip and crane hire; Professional and Semi-Professional sports; Transport: haulage, bus, coach, courier service, taxi; 

Please contact us separately if you are undertaking any of these occupations as we may be able to provide a bespoke quotation

•    You / the Insured have not had any incidents, accidents or travel claims (meaning business travel or Director’s holiday travel claims) within the past three years

•    Your Directors/Employees are not

       – Permanently seconded overseas

       – Undertaking trips longer than 31 days duration

       – Working on offshore platforms

       – Piloting an aircraft

       – Travelling to any areas of unrest (where the Foreign and Commonwealth office advise against all travel

       – Transacting business with any Country where financial or trade sanctions are in force

HOW TO OBTAIN A QUOTATION

Over 25 years of Experience we'll ensure you always get the best Deal .

Freephone our UK Team

0800 072 6778

Sales & Service

Monday to Friday: 8:30am to 8pm Saturday: 9am to 5:30pm Sunday: 10am to 5:00pm

Monday to Friday: 9am to 7pm Saturday: 9am to 5:30pm

Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, business travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Whether it’s a one-off business trip or part of your regular routine, our business travel insurance could be ideal. Our business travel insurance offers cover that extends beyond your normal travel insurance . Also, post- Brexit , it’s as important as ever to make sure that you’re covered should anything interrupt your business trip at the last minute.

What is business travel insurance?

Business travel insurance will make sure you are covered during your business trip for accidents, illness, flight cancellations and more. Our business travel insurance can also cover your equipment, which means that should your work laptop get stolen, damaged or lost, we’ll do our best to help you.

What does business travel insurance cover?

Our business travel insurance can cover your travel as well as your business equipment.

Our business insurance cover upgrade includes:

• Buying or hiring essential equipment that’s lost, stolen or damaged during the trip
• Buying or hiring essential equipment that’s delayed or lost during the outward journey
• Emergency courier expenses to replace essential equipment
• Replacing lost or stolen company money (or your own if self-employed)
• Extra personal accident benefit
• Extra baggage delay benefit

The great thing about our business travel insurance add-on is that it’s available for both  one-off trips  and  multiple trips  throughout the year.

Make sure to look over your  policy documents  for more detail. Policy excesses and limits apply; our  Black  policy comes with no excess as standard but see the table below for  Silver  and  Gold  excess information:

Business travel insurance with pre-existing medical conditions

Travelling for business with a pre-existing medical condition can add another level of unnecessary stress to your journey. At InsureandGo  we’ll consider all pre-existing medical conditions  and try to tailor a policy suited to your needs. When purchasing your business travel insurance policy, declare any medical conditions, go through our simple medical screening process and we’ll do our best to help you.

Get a quote online  and complete our simple medical screening process for an insurance policy tailored to you. If you need some extra guidance, feel free to  contact us .

What if I take more than one business trip?

If your business trip abroad is a one-off, then our  single trip travel insurance  should be all you need. If you’re a lucky so-and-so jetting off on a few expenses-paid business trips this year, then you may find our  annual travel insurance  works best for you.

What if there’s a group of us going on a business trip?

If there is a group of you going on the same business trip, consider our  group travel insurance  and select the business travel insurance add-on for complete travel insurance for all. Just so you know, if you do take out group business insurance cover then you must make sure all members travel together. Members of the group that may be getting a later plane or coming from a different airport will need to get their own separate travel insurance in order to be covered. In addition to the business travel insurance extras that come as standard such as business equipment cover, your group will also have  cover for over 50 different sports and activities  including safaris, running and  fishing .

Get your business travel insurance today;  get a quote online  or if you’d like to talk a member of our team, feel free to  contact us .

• Unlimited emergency medical expenses available on Black level policies.
• InsureandGo’s Gold achieved a Which? Best Buy.

• Help and Support

Business travel insurance

Article contents.

Tegan Oldfield

3 August 2023 | Updated 20 October 2023 | 5 minute read

Travel insurance might not be the first thing that comes to mind when planning a business trip. However, having the right policy could be helpful if your journey is delayed, cancelled or affected by issues like lost baggage.

Here’s everything you need to know about choosing the right business travel insurance.

What does business travel insurance cover?

Business travel insurance should cover a range of things.

Personal possessions

Gadgets like laptops and phones are often a major component of business travel. If you’re taking a few high-value tech items, adding gadget insurance to your policy will cover your gadgets if they’re lost, stolen or damaged on your trip.

Remember to check if the insurer covers items owned by the business or only items owned by yourself.

It’s highly recommended that you back up any essential data on an external hard drive and carry it in a separate bag.

Most policies won’t cover you for lost data – and if a business contract is riding on a presentation that’s on a misplaced laptop, the consequences could be costly.

Cancellations and delays

Cancelled or delayed flights could be an issue if you have important meetings. 

A good travel insurance policy includes protection for these types of disruption, paying for additional accommodation and travel if your journey doesn’t go to plan.

In some cases, you can also recover the costs of unused deposits, hotels, excursions, or other pre-booked expenses from your insurer.

Medical expenses

If you have to cancel your business trip because of ill health, you should get your money back  for your flights and accommodation. 

Bear in mind that you might need to provide proof from a doctor that you’re unfit to travel.

Also, if you become seriously ill while on your business trip, a travel insurance policy will pay for emergency medical treatment and repatriation (getting you home). 

Check whether you already have cover 

Some companies offer insurance as part of their employment package, so check that you’re not already covered before taking out travel insurance.

If you’re self-employed, then you’ll need to arrange your own travel insurance. 

If you’re working with a business who’s paying for your travel and accommodation, they may organise a travel insurance policy for you also. 

How is business travel insurance different?

You can find specific policies tailored to the needs of business travellers, although generally, standard travel insurance policies can be used for both holidays and business trips.

Check the exclusions for business use in your policy. Our policies cover you for both leisure and business trips (excluding any manual work),  but other insurers may not.

Cover for activities on your business trip  

Your business trip might also involve some networking and socialising activities.

If you’re playing golf with potential clients for instance, golf equipment is covered on your standard policy.

We cover you for personal accidents and liability when doing various sports and leisure activities, including golf, cycling, fishing and yachting (as long as it’s inside territorial waters).

If your skiing or snowboarding, you can upgrade your cover to include winter sports insurance .

Annual versus single-trip insurance

If you travel abroad for business trips several times a year, an annual travel insurance policy might be more cost-effective.

As well as working out cheaper than multiple single-trip policies , an annual policy means you can arrange business trips without worrying about sorting insurance each time.

Our annual multi-trip insurance covers you for unlimited trips lasting up to 31 days at a time as standard.  

Share with your friends...

Check out our related articles.

17 Mar 2023

Travel insurance explained

15 Aug 2023

Travel insurance and baggage cover

Are your personal possessions insured for travel?

5 star defaqto rated platinum level travel insurance.

https://admiral.com/magazine/travel/travel-insurance-for-a-business-trip

The Independent’s journalism is supported by our readers. When you purchase through links on our site, we may earn commission. Why trust us?

Best travel insurance UK 2024 guide

We all deserve a break now and then. And the last thing you want to think of when booking your holiday is something going wrong. But it’s better to be prepared than caught off guard. That’s why you should always consider travel insurance when going on a trip.

But how can you find the best travel insurance policy for your needs? Read our guide below to find out more.

Why do I need travel insurance?

Travel insurance protects you financially if your trip away doesn’t go as planned and you incur unexpected expenses for delays, losses or medical treatment.

All travellers can benefit from travel insurance. But travel insurance is particularly important if you are going on an independent trip without a tour operator, because if something goes wrong, you will have no other help.

There are three main types of travel insurance:

• Single-trip cover: this is the most typical form of travel insurance, covering you for a one-off trip or holiday. There will be a time limit on the cover that can range anywhere between one month and 365 days
• Annual multi-trip cover: this allows you to make multiple trips, or have multiple holidays, in a 12-month period, all under the same travel insurance policy. There may be a cap on how long each individual trip can be
• Long stay, or backpacker, cover: this is normally used for around the world trips, gap years, and longer cruises, and can last for up to 18 months

To find the best UK travel insurance, compare policies before you go to ensure you get the right coverage for you and the specific trip you’re planning.

How to find the best travel insurance policy

When comparing policies to find the best travel insurance for your trip, you should consider: 

• Type of cover you need
• Excess (how much you’ll be expected to pay out yourself before the policy will cover you)
• Amount of medical coverage, and why pre-existing conditions aren’t included
• Limit on baggage claims
• Coverage for specific sports and activities
• Any potential rewards and discounts
• Add-ons, such as gadget insurance

Best travel insurance deals and discounts

Looking for the best travel insurance deals from the best travel insurance companies? In most cases, the easiest way to find the best travel insurance deals is to use a comparison website. Travel insurance comparison websites let you compare costs and coverage side by side to find the best UK travel insurance.

The four main comparison websites – Moneysupermarket, Comparethemarket, Confused.com and GoCompare – also often have certain deals and discounts when you buy travel insurance from them, offering some of the best travel insurance deals on the market.

Moneysupermarket : Find the same deal for less, and it will price match and give you a choice of a £20 gift card. Only on annual travel insurance.

Comparethemarket : Two for one cinema tickets with Meerkat Movies and savings at restaurants when you dine out or order pizza in with Meerkat Meals, as well as 25 per cent off coffee and pastries at Caffè Nero every day of the week through the Meerkat app.

(In November 2023, Confused.com and GoCompare had no deals or discounts for travel insurance).

Price is obviously a big consideration when you are looking for the best travel insurance – you’ve probably already spent a lot on your holiday. But you may be able to get much better coverage for just a few pounds extra, so it’s worth scrolling down the comparison site’s list of providers before buying.

Medical costs abroad will undoubtedly be the biggest expense you face if you fall ill abroad, so don’t scrimp on those.

Then think about your next biggest expense (probably cancellation/interruption of your trip) and make sure that you have high-value coverage for that.

If you find you can get much higher coverage (the maximum amount you can claim per type of claim, such as medical or baggage) for not very much more money, go for the slightly more expensive option.

Going direct

Comparison sites won’t always find you the cheapest deals, however. For example, Direct Line offers some of the best travel insurance with Covid cover and is not on comparison websites.

Some of the best travel insurance companies also offer discounts for buying directly from them, as follows:

Bundled coverage options

When looking for the best travel insurance for your holiday, it can make sense to buy a bundle of coverage under one policy.

Comparison websites will often offer add-on gadget cover, winter sports cover or cruise cover all under the one policy. If you need that extra cover, it is typically cheaper to buy your travel insurance this way rather than as separate policies.

What is covered by travel insurance?

The best travel insurance companies will offer you comprehensive coverage across all types of claims. It’s easy to compare the best travel insurance deals using a comparison website.

Medical coverage

This covers you for medical expenses you incur if you become ill or have an accident while away. The best UK travel insurance will have a high level of medical coverage.

For example, medical coverage will pay for any necessary treatment if you come down with severe food poisoning or you fall through a window and have to be taken to hospital in an ambulance.

• Avoid hefty bills or debt for medical assistance outside the UK
• Access better treatment – for example, at private vs public hospitals
• Often, as long as you declare existing conditions or pending treatment or tests, you are covered if you fall ill during your trip (check policy exclusions)
• Even the best travel insurance companies will likely charge you more if you have a pre-existing medical condition
• You might have to pay part or all your medical expenses first, then claim on the policy afterwards
• Even the best travel insurance companies do not cover events that happen after you have consumed alcohol excessively or taken recreational drugs or other substances

Trip cancellation/interruption

This insurance pays out the cost of your missed trip if you have to cancel or cut your holiday short due to unforeseen circumstances.

For example, cancellation insurance would normally pay out if you broke your leg just before you were due to travel and had to cancel your trip.

Interruption insurance would cover you if you had to come home early for certain reasons beyond your control – for example, if the area you were staying in was engulfed in wildfires.

• Money you would have lost on pre-paid, non-refundable travel expenses is paid to you under the policy
• It can be especially valuable if the trip you are planning is very expensive, as this is money you would lose if you couldn’t go
• You’ll usually only be covered if your trip is cancelled or cut short for specific reasons listed in your policy
• You usually won’t be covered if you miss your flight because you are held by customs or cancel because of a work issue or a pre-existing medical condition that is not covered

Baggage cover

This insurance covers the cost of replacing your luggage if it is lost or stolen.

For example, if an airline loses your luggage in transit or your suitcase is stolen from your hostel while you’re away, you can make a claim for the cost of replacing its contents.

You may also be able to claim for costs related to baggage delay if the airline temporarily misplaced your baggage.

• You can claim for the actual cash value of your belongings or the cost of replacing them (whichever is less)
• High-value items, such as jewellery or sports equipment, can be very expensive to replace without travel insurance
• Standard policies usually place per item and total limits on claims.
• If you are taking very expensive items away, check your policy carefully to ensure that you’re covered (and potentially get a separate policy)
• Some items could be covered by your home insurance policy, so check your policy carefully to see what is any isn’t. It’s also important to note that, should a lost item be covered by both policies, you can only claim once; an attempt to claim twice would be considered fraud

Personal liability

This insurance covers you if you are held responsible for harming another person or damaging their property.

For example, it covers you in situations where you cause serious damage to your holiday accommodation or accidentally stumble into someone else, causing them to need medical treatment.

• The cost of defending yourself in a legal case or repairing/replacing damage could be extremely costly without travel insurance
• Your travel insurance company will take over dealing with a foreign legal system
• You’re covered for the cost of any compensation (up to certain limits)

Limits: 

• Not all travel insurance provides personal liability as standard
• Policies may exclude personal liability while you partake in adventure activities
• Claims related to you committing a crime or damage by wilful negligence won’t be covered
• You likely will not be covered if you admit liability or make an offer to pay before talking to your insurer

Finding the best travel insurance with Covid cover

Looking for the best travel insurance with Covid cover? Many travel insurance policies now include cancellation cover for reasons related to Covid. This often applies within two weeks of being due to travel, according to the Association of British Insurers, but individual policies can vary.

To make a claim, insurers often require proof in the form of a medically approved positive Covid test. A lateral flow test or self-diagnosis is usually not accepted.

What Covid-related cover to look for

The best travel insurance with Covid cover should include the following:

• Cover if you can’t start your trip because you tested positive for Covid before travelling
• Cover if you or family members cannot return home because you/they test positive for Covid during the holiday
• Cover for additional costs, such as alternative flights, accommodation and Covid tests
• Cover if you cannot reach your final destination during transit due to Covid-19

Travel insurance providers with comprehensive Covid cover

Looking for the best travel insurance providers with Covid cover? Most travel insurance policies now offer some kind of Covid cover, but Churchill, Direct Line, M&S and Aviva have some of the most comprehensive offerings, with cover for cancellations and expenses related to Covid.

• Covid covered as standard on travel insurance policies
• Cover for trip cancellations if you, a close relative or a travelling companion is diagnosed with Covid-19 or another pandemic disease
• Cover if you or a person you’re planning to stay with must quarantine (abroad or in the UK)
• Cover if you can’t use pre-booked and pre-paid accommodation affected by Covid-19
• Cover for quarantine or where the Foreign, Commonwealth & Development Office (FCDO) advises against travel within 28 days of departure
• Cover for emergency medical expenses abroad due to Covid-19

Direct Line

• Cover for travel to a destination where the FCDO is advising against all but essential travel 
• Cover for medical expenses if you catch Covid-19 while you’re away 
• Cover for additional accommodation and transport if you have to quarantine due to Covid
• Cover for cancellation costs if you or a close relative get Covid-19 before you go
• Cover for quarantine or if the FCDO changes its advice after you book your trip
• Cover if you have to cut your trip short if the FCDO changes its country advice unexpectedly

• Cover for emergency medical expenses if you catch Covid-19 during your trip
• Cover for unrecoverable costs up to £6,000 if you must cancel your trip or return early, including if you have to self-isolate or quarantine before you travel due to Covid-19
• Cover for if you need to cancel your trip due to a positive Covid-19 test or if the FCDO advise against travel to your destination in the 31 days leading up to your trip
• Providing you haven’t travelled against FCDO advice, you’ll also be covered if you catch Covid-19 while abroad

• Coverage of up to £5,000 per person if you must cancel your trip due to getting Covid (you’ll need to provide confirmation and evidence of a positive test result)
• Cover for Covid-related emergency medical treatment and expenses while away
• Cover if you unexpectedly need to quarantine, including extra travel and accommodation costs to get home (provided a return trip was booked) 
• Cover for costs for any accommodation and excursions unused due to getting Covid where the costs can’t be recovered elsewhere
• No cover you if you travel against FCDO advice*
• No cover if you can’t travel because you don’t meet the entry requirements of a country (such as having had Covid vaccinations)*

* It’s worth noting that these clauses are not unusual and the majority of providers will have something similar

Tips for selecting the best UK travel insurance packages

Need some help picking the best UK travel insurance packages to make sure that you get the best travel insurance deals? Here are some tips for picking the best policy features for you.

Coverage limits

When looking for the best travel insurance companies to go with, check coverage limits. These are the maximum amounts your travel insurer will pay if you need to claim. You’ll see when you compare travel insurance policies that coverage limits vary for each type of claim and between policies.

The government-backed MoneyHelper website recommends that the best UK travel insurance should have the following minimum coverage for each type of claim:

• Medical: £1m or more for travel to Europe and £2m or more for the US
• Cancellation/interruption: £2,000 or more
• Missed departure: £500 or more
• Delay: £200 or more
• Baggage cover: £1,500 or more
• Personal liability cover: £2 million or more

Deductibles/excess

Deductibles, also known as the excess, is the amount you have to pay out of your own pocket before your travel insurance will start paying for your claim.

You have to make a trade-off when it comes to choosing the excess and the best travel insurance policy for you.

The lower the excess on a travel insurance policy, the better for you if you have to claim because you will have less to pay from your own pocket (or, more often, deducted from your claim).

But lower excess travel insurance policies are more expensive because the insurer knows it has more to pay out if you claim. Higher excess policies are cheaper, but you’ll have more deducted from your claim.

An exclusion on a travel insurance policy is an event the policy will not cover you for.

Common exclusions on a standard travel insurance policy may not be obvious. According to the ABTA – The Travel Association, these include:

• Incidents that occur after drinking too much alcohol or taking drugs
• Theft of unattended possessions
• Sports, extreme sports and activities such as skiing, white water rafting and bungee jumping
• Medical treatment resulting from existing medical conditions you have not declared or conditions preventable by vaccine or advisable medication, such as antimalarials
• Medical costs if you stay abroad after your doctor says you are fit to return to the UK
• Strikes and industrial action if it was known when you booked your trip
• Rescheduled flights where the airline has cancelled and then rescheduled your flight
• Travel to destinations where the FCDO advises against all but essential travel

To get the best travel insurance deals, one way around some of these exclusions is to buy add-ons for adventure activities. In addition, make sure to declare all pre-existing conditions and keep an eye out for any travel disruptions before you book.

Pre-existing conditions

Pre-existing conditions are illnesses or medical conditions you have and are aware of before you travel.

Travel insurance companies will ask you to disclose any pre-existing conditions. If you use a comparison website, it will be among the first questions you’re asked before it shows you quotes. It’s important to be honest.

Some travel insurance companies, but not all, will offer cover for pre-existing medical conditions, while others will offer cover but exclude any claims arising from that medical condition. This will depend on the person being covered and the medical condition.

Most price comparison websites include an option to show insurers who do offer coverage for pre-existing conditions, so that would be a good place to start.

The following are likely to be considered pre-existing conditions you should disclose, according to the government-backed MoneyHelper website:

• A condition where you are on a list for an operation
• A condition where you are waiting for test results
• Anything you have been to the doctor about in the last year, including minor things
• Any serious conditions you’ve ever had – for example, cancer, heart trouble, respiratory problems or a mental health breakdown

A good tip for everyone, but especially if you have a pre-existing condition, is to buy your travel insurance as soon as you book your holiday. If your condition gets worse and forces you to cancel your plans, you’ll be covered from the day the policy starts.

On family group policies, the cost will be determined based on the riskiest traveller (according to insurers), which could be someone with a pre-existing condition or an older individual. In this case, it is often cheaper for the group for that person to get a separate policy.

Add-on options

Add-ons are extras you can purchase in addition to a standard travel insurance policy. They cost a bit more, but you may find you’re not covered without them. 

Gadget insurance

This covers things that a standard policy may not, such as your mobile phone or laptop. If these items are covered, you may find the claim limits are far less than the cost of replacing them.

Before you add this option to your travel insurance, check your home insurance policy, because you may already be covered.

Winter sports/adventure activities

Riskier activities, such as skiing or white water rafting, often require extra holiday insurance because insurers think that you are more likely to need to make a claim doing these things.

Winter sports/adventure activities cover is worth getting, or you may find you are not covered for medical expenses if something goes wrong.

Standard travel insurance is generally meant for land-based holidays so you’ll need to opt for a specialist cruise policy if your holiday is a cruise.

European FCDO travel advice extension

Most standard travel insurance policies are invalid if you travel when the FCDO advises against “all but essential travel”.

This add-on allows you to travel to Europe with a valid travel insurance policy, even if the FCDO has advised against it.

This can be an expensive add-on, but if you really must travel to a risky area, you will need this extension in order to make sure you have cover.

Best holiday insurance summary

Choosing the right travel insurance is an essential part of enjoying peace of mind while you are on holiday.

When looking for the best travel insurance deals, don’t just pick the cheapest policy. Instead, look for the cover limits that match your requirements. For example, baggage cover of £5,000 isn’t worth having if your baggage is worth £1,000; cancellation cover up to £10,000 isn’t worth having if your holiday cost you £2,000.

The easiest way to compare the best travel insurance is usually by using a travel insurance comparison website.

Think about the sort of activities you’ll be doing while you’re away. You may need extra holiday insurance for things such as winter sports or scuba diving or if you are going on a cruise.

Be honest about any pre-existing conditions when buying your travel insurance, or you won’t be covered if you have to claim.

The best travel insurance is a safety net for you and your family to enjoy your trip away stress-free, knowing that you’re covered for everything from medical expenses to cancellations if things go wrong.

Frequently asked questions about the best travel insurance UK packages

Is travel insurance necessary for domestic travel within the uk.

Even where medical costs in the UK are covered by the NHS, a sudden illness could lead to other expenses, forcing you to cancel your trip, the costs of which travel insurance would cover.

Lost or stolen luggage and broken gadgets or other claims for damage can just as easily occur in the UK as abroad.

What is annual travel insurance, and is it a good option for frequent travellers?

Annual travel insurance is a policy that covers you for multiple trips away within any 12-month period. It is often cheaper than buying a separate policy for each trip if you are planning to go away multiple times in one year.

Annual travel insurance is also useful if you are planning a long trip visiting several countries, as often insurers require you to buy travel insurance before you leave the UK rather than abroad mid-trip.

Are there any travel insurance companies that specialise in certain types of trips or travellers?

Specialist travel insurers cater to specific groups of people. It can make sense to seek out travel insurers that cover your needs.

Adventures Insurance, Sports Cover Direct and Snowcard tailor their travel insurance to those who enjoy activity holidays and extreme sports, for example.

Senior travellers are the focus of policies from All Clear, Avanti, Co-op Insurance Services, Free Spirit Flex, Good 2 Go Extra, Goodtogo Insurance, Saga, Staysure and Total Travel Protection.

Insurers offering business trip cover include Allianz, Direct Line, Coverwise and Insure & Go.

How do I make a claim with my travel insurance company?

To claim on your travel insurance while you are away, make sure that you take your policy number with you and the emergency number for your insurer. If you are travelling abroad, take any international numbers too.

Call your insurer as soon as you realise you need to make a claim. Keep all receipts and medical expense forms. If you are travelling with other people, make them aware of your policy details and the insurer’s phone number in case they need to call on your behalf.

To make a claim when you return home, check the following:

• You haven’t left it too late to make a claim
• What you’re claiming for is covered
• The excess is not more than the value of your claim (if so, it’s not worth claiming)

Notify your insurer as soon as possible for a claim form, send it back fast and keep a copy of it. You should also include copies of paperwork to support your claim, such as receipts or medical certificates (keep copies of the originals in case your claim is queried or refused).

Laura Miller

Laura Miller is a freelance journalist, editor, and producer. She has a wealth of consumer finance experience, having written about money matters and business for over 15 years.

During her tenure as a freelance writer, she has worked for ITN, Wired, and The Sunday Times, as well as financial institutions such as Aegon, the Chartered Insurance Institute, and Pension Bee, where she’s presenter of the Pension Confident Podcast.

Laura has previously held roles at The Times, where she was the Acting Editor of Times Money Mentor, The Telegraph as a senior finance reporter and was the co-host of the It’s Your Money Podcast, which was renowned for making complex finance issues accessible, and The Financial Times, where she worked as a News Editor. Laura has also worked at CNN, Politics.co.uk, and as a producer at Radio 5 Live.

Connor Campbell

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet , Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror , the Daily Express and Business Insider . 

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian , BBC , Reuters and the Evening Standard . 

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

• Best home insurance
• Best life insurance
• Best pet insurance
• Car insurance
• Home insurance guide
• Buildings insurance
• Contents insurance
• Home insurance glossary
• Admiral home insurance review
• Aviva home insurance review
• AXA home insurance review
• Churchill home insurance review
• Compare the market review
• Direct Line home insurance review
• Esure home insurance review
• LV home insurance review
• More Than home insurance review
• Policy Expert home insurance review
• Rias home insurance review
• How we cover home insurance companies

The Independent Advisor brand is operated by 3S Media International Limited. 3S Media International Ltd is an introducer appointed representative of Moneysupermarket.com Financial Group Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 303190).

• Aerospace & Aviation Overview
• Aircraft Hull Deductible Insurance
• Airline Insurance & Risk Management
• Airshow Insurance
• Drone Insurance
• Glider Insurance
• Gyrocopter Insurance
• Helicopter Insurance
• One Up, One Down Aviation Insurance Policy
• Space & Satellite Insurance
• Vintage Aircraft Insurance
• Art, Jewellery & Specie Insurance Overview
• Art, Museums & Exhibitions Insurance
• Fine Art Insurance
• Jewellers Block & Specie Insurance
• Automotive Overview
• Classic Car Restoration Insurance
• Driving Instructor Insurance
• Limousine Insurance
• Self-Drive Car Hire Insurance
• Care Overview
• Care Home Insurance
• Care Insurance
• Children's Home Insurance
• Domiciliary Care Insurance
• Fostering & Adoption Agencies
• Supported Living Insurance
• Charities & Not For Profit Overview
• Buddhist Temple Insurance
• Charity Insurance
• Charity Shop Insurance
• Community Transport Insurance
• Minibus Insurance
• Social Housing Insurance
• Youth Club Insurance
• Construction Overview
• Construction Insurance
• Contractors Insurance
• CPA Members Insurance
• Roofing & Scaffolding Insurance
• Surety Bonds
• Tradesman Insurance
• Education Overview
• Education Insurance
• Schoolshare
• Energy Overview
• Renewable Energy Insurance
• Energy Insurance
• Farming Insurance
• Hospitality, Leisure & Tourism Overview
• Hospitality & Leisure Insurance
• Holiday & Home Parks Overview
• Holiday Home Owner Insurance
• Holiday Let Insurance
• Holiday & Home Parks Insurance
• Theme Park & Leisure Attractions
• Legal and Indemnity Overview
• Dispute Resolution
• Legal Indemnity
• Professional Indemnity
• Warranty & Indemnity
• Life Sciences Overview
• Clinical Trials Insurance
• Life Sciences Insurance
• Life Sciences Start-Up Insurance
• Manufacturing Overview
• Manufacturing & Heavy Engineering
• Food & Drink
• Marine Overview
• Commercial Craft Insurance
• Marine Trade Insurance
• Superyacht Insurance
• Yacht & Motorboat Insurance
• Media & Entertainment Overview
• Firework & Pyrotechnics Insurance
• Media, Entertainment & Events Insurance
• Motor Trades Overview
• Auto Electrician Insurance
• Body Shop Insurance
• Breakdown & Recovery Agents
• Car Dealership Insurance
• Car Valeting Insurance
• Combined Motor Trade Insurance
• Mobile Mechanic Insurance
• MOT & Service Stations Insurance
• Motor Trade Insurance
• Motorcycle Trader Insurance
• No-Claims Motor Trade Insurance
• Part-Time Motor Trade Insurance
• Road Risk Insurance for Motor Traders
• Service and Repair Garage Insurance
• Smart Repair Insurance
• Startup Motor Traders Insurance
• Tyre Fitter Insurance
• Vehicle Sales Insurance
• Young Motor Traders Insurance
• Public Sector
• Real Estate Overview
• Block of Flats Insurance
• Estates Insurance
• Freeholders Insurance
• Landlord Insurance
• Legal Indemnity Insurance
• Propertymark Members
• Real Estate Insurance
• Unoccupied Property Insurance
• Transportation Overview
• Courier Fleet Insurance
• Courier Van Insurance
• Goods in Transit Insurance
• Hanson Franchisee Insurance
• Haulage & Distribution Insurance
• Passenger Transport Insurance
• Railway Insurance
• Taxi Fleet Insurance
• Taxi Insurance
• Transportation Insurance
• Vehicle Transporters Insurance
• Technology & Telecommunications Overview
• Hardware & Electronics Insurance
• Media Insurance
• Software & IT Services Insurance
• Technology Insurance
• Telecommunications Insurance
• Travel Overview
• Airline Personnel Travel Insurance
• Group Business Travel Insurance
• Scheduled Airline Failure Insurance
• Travel Agents Insurance
• Travel Insurance
• Corporate Insurance Overview
• Casualty Insurance
• Claims Management
• Commercial Property Insurance
• Crisis Management Overview
• Crisis Resilience Insurance
• Kidnap & Ransom Insurance
• Terrorism Insurance
• Cyber Liability
• Delegated Authority
• Directors & Officers Liability
• Dispute Resolution Insurance
• Fleet & Commercial Vehicle Insurance
• General Liability Insurance
• Intellectual Property Insurance
• Latent Defects Insurance
• Mergers & Acquisitions
• Professional Indemnity Insurance
• Retail Insurance
• Structured Credit & Political Risk Overview
• Commodity Traders
• Credit & Political Risk Cover
• Non-Payment Insurance for Banks
• Private Equity
• Public Agency & Multilateral Organisations
• Trade Credit
• Warranty & Indemnity Insurance
• Personal & Household Overview
• Aviation Insurance Overview
• Landlord Overview
• HMO Landlord Insurance
• Multi-Property Landlord Insurance
• Student Landlord Insurance
• Golfers Insurance
• Home & Contents Overview
• Home Insurance
• High Net Worth Home Insurance
• Holiday Home Insurance
• Non-Standard Home Insurance
• Thatched Property Insurance
• Motor Overview
• Car Insurance
• Prestige & Classic Car Insurance
• Van Insurance
• Risk Management Overview
• Business Continuity Planning
• Cyber Risk Management
• Enterprise Risk Management
• Fleet Risk Management
• Health & Safety Risk Management
• Property Loss Control
• Small Business Insurance Overview
• Builders Insurance
• Professional Indemnity Overview
• Accountants Professional Indemnity Insurance
• Gardeners Insurance
• IT Consultant Insurance
• Public Liability Insurance
• Shop & General Retail Overview
• Restaurant Insurance
• Shop Insurance
• Specialist Solutions Overview
• Affinity Partnership Schemes
• Alternative Therapists Insurance
• Dance Teacher's Insurance
• Fitness Instructor Insurance
• Hairdresser & Barber Insurance
• Members and Visitors Insurance
• Office Insurance
• Personal Trainer Insurance
• Recruitment Agency Insurance
• Removals & Storage Insurance
• Rope Access Insurance
• Tanning Salon Insurance
• Travel Agents & Tour Operators
• Tradesman Overview
• Carpenter Insurance
• Electrician Insurance
• Handyman Insurance
• Plumber Insurance
• Self-employed Insurance
• Tree Surgeon Insurance
• Window Cleaner Insurance
• Culture Change Consulting
• Communication Consulting
• Financial Wellbeing Solutions
• Organisational Wellbeing Overview
• Organisational Wellbeing Consulting
• Diversity, Equity and Inclusion Consulting
• Employee Benefits Consulting Overview
• Asset Management
• Benefits Strategy
• Flexible Benefits & Technology
• Healthcare & Protection
• Multinational Benefits
• Workplace Pensions
• Reward Consulting Overview
• Bonus Plan Design
• Executive Remuneration
• Gender Pay Reporting
• HR and Reward Training
• International Reward Management
• Job Evaluation
• Long Term Incentive Plans
• Pay Benchmarking
• Reward & Recognition
• Salary Surveys
• Share Schemes & Sales Incentive Plans
• News & Insights
• Gallagher Better Works
• Media Centre
• The Gallagher Way
• UK Executive Team
• International Operations
• Premiership Rugby Partnership
• FATCA Forms
• Modern Slavery
• Bland Bankart Retirement Benefits Scheme
• COVID-19 Risk Assessment
• Gender Pay Gap Reports
• Office Locations

Specialist coverage for business travellers

Start your journey with us today., connect with an expert, specialist coverages designed for people who travel for business.

Gallagher’s group business travel insurance policies are designed to provide coverage for a wide range of perils including, but not limited to cancelled departures and missed connections, lost or stolen business luggage and money, and accident and sickness while abroad. We access a range of London and international insurance markets in order to build comprehensive coverage for the right cost.

A range of covers for travel near and far

Coverage is effective for the traveller whilst overseas or within their country of domicile – provided they are staying away from home. We can quote for business travellers travelling to all destinations (including war torn and high risk territories) and able to cater for most pre-existing medical conditions.

Typically cover can be offered for; medical expenses and/or medical evacuation in the event of accident or sickness, emergency evacuation or repatriation following a range of perils, from natural catastrophe to civil commotion and political violence. Replacement colleague/personnel cover expenses of arranging for another traveller to a particular destination at short notice if the primary traveller is unable to make the trip.

We also offer higher limits for cancellation, missed connections, extra expenses, delay and curtailment of the trip, lost or stolen baggage (particularly for business equipment such as laptops and smartphones) and business money.

Enhancements and extensions

Our products can be further extended for leisure travel, and we can also include cover for spouse and family, if they are joining part of the trip.

Please refer to the policy documentation for full terms and conditions, paying particular attention to exclusions, warranties, subjectivities, excesses and any endorsements.

• Specific cover for corporate travellers
• Medical expenses including medical evacuation and, repatriation
• Legal expenses and personal liability
• Personal accident cover

Customers with serious pre-existing medical conditions In the event that you are unable to find suitable travel insurance cover, the Money Advice Service has a directory of insurance providers who may be able help customers with serious pre-existing medical conditions. You can access the directory here or by calling 0800 138 7777.

Managing Director

• London, United Kingdom

Related Products

More products.

• Kidnap and Ransom Insurance
• Risk Management
• Travel Agents & Tour Operators Insurance
• Employee Benefits Consulting
• Financial Wellbeing
• Reward Consulting

Related News & Insights

Stay connected with the company that’s connecting the dots with what’s happening in the industry and around the world.

Travel insurance solutions for the haulage sector

Healthcare whilst travelling in europe.

Start your journey with Gallagher. Connect with an expert.

Corporate Business Travel Insurance

Flexible Corporate Worldwide Annual Multi-Trip Business & Leisure Travel Insurance for Employees of UK and Gibraltar Companies

Make sure your employees are protected when they travel overseas on business or leisure trips.

When your employees travel overseas on business it is important that they are properly protected – whether it’s an unexpected accident or medical emergency, through to losing their luggage or a passport. If this happens to one of your staff, it’s reassuring to know they have protection – so both you and they can focus on getting back to business…

We have teamed up with Voyager Insurance, an award winning global provider of travel insurance to offer worldwide corporate business and leisure annual multi trip travel insurance for UK and Gibraltar employers, for groups of 5 to 500+ employees. It’s quick and easy to get a quote, no complicated application forms to fill in and with holidays covered too, it’s also a great benefit for your employees all year round.

   VoyagerProtect does not need you to complete a lengthy proposal form or provide annual travel company patterns in order to get a quote for cover.

  Our team can quickly give you a quote based on the minimum amount of information. No need to have to wait for complex underwriting in order to get your quote! Once we have all the information we need, we will usually provide you with a quote within 48hrs or less. It’s quick and easy to arrange cover, if the company wants to proceed with the travel insurance cover an email and list of insureds is all we need. The company will receive a master certificate of insurance, the company’s HR team can then distribute the Policy Summary & Members Guide, Policy Wording & Policy Number to each insured employee. It’s that simple!

Or email us the following:

• Group Name & Their Website
• Number of Employees Needing Individual Cover (Aged under 70)
• Number of Employees Needing Individual with Family Cover (Aged under 70)
• Level of Cover Required
• If optional additional cover is required for: Winter Sports Activities, Terrorism Disruption and/or Hazardous Sports Activities

Employers have a legal duty of care when sending employees overseas on business! Product Notes:

* Worldwide cover includes the USA, but does not include cover for excluded territories, meaning: Afghanistan, Columbia, Iran, Iraq, Mexico (other than the Cancun holiday area of Mexico) Nigeria, Mali, Pakistan, Philippines, Somalia, Syria, Sudan, South Sudan, Libya, Venezuela or Yemen or any other destination, country or region where the appropriate authorities (such as the UK Foreign and Commonwealth Office advice or similar authority of the Insured Person’s Country of Domicile) at the time the trip was booked was against all travel to such destination, country or region.

If you or your employee require travel to these destinations, other travel insurance products are available from Status Global Insurance that provide cover in these high risk locations.

If your staff frequently travel abroad on business or leisure then VoyagerProtect Employer Paid Annual Multi-Trip Travel Insurance can provide valuable peace of mind to both you the employer and your employee!**

It can also be an even more affordable option saving you both time and money compared to buying single trip travel insurance insurance. The annual multi-trip cover period options are either 90 (Essentials), 120 (Super) or 180 days (Enhanced) maximum duration per trip, covering unlimited trips in a policy year.

By covering both business and leisure trips for your staff, VoyagerProtect also provides a valuable employee benefit for your staff (plus as an added benefit, the employer can choose to extend cover to their family members as well)…

** We normally require 80% of all employees that are deemed eligible by the employer, based on their employee class, position or job function, to be enrolled into the group travel insurance plan.

A wide range of covers as standard with the option to extend cover to include >>>>

Winters Sports Cover

Hazardous Activities & Sports Cover

Terrorism Disruption Cover

Guide to Business Travel Insurance

In an era of global connectivity, businesses are expanding their horizons and sending employees on international trips more than ever before. Whether it’s sealing a crucial deal, attending conferences, or exploring new markets, business travel has become an integral part of corporate operations. However, with the increased frequency of travel comes the need for robust protection against unforeseen circumstances.

Business travel insurance is a specialized type of coverage designed to safeguard employees and companies during work-related trips. It goes beyond the typical coverage offered by standard travel insurance, addressing the unique needs and risks associated.

1. Coverage Tailored for Business Needs:

Business travel insurance offers coverage for a range of situations that may arise during work-related journeys. This includes trip cancellations, lost or delayed baggage, medical emergencies, and even coverage for business equipment like laptops and smartphones. The specificity of coverage ensures that businesses are adequately protected against the challenges unique to professional travel.

2. Emergency Medical Assistance:

One of the critical features is the provision of emergency medical assistance. This includes coverage for medical expenses, evacuation, and repatriation. This is particularly important as healthcare systems and standards vary across countries, and unexpected medical emergencies can pose a significant financial burden.

3. Trip Cancellation and Interruption

Business plans can change unexpectedly, and trips may need to be cancelled or cut short. Business travel insurance provides coverage for trip cancellations and interruptions due to covered reasons, such as illness, death, or other unforeseen events. This helps mitigate financial losses associated with non-refundable expenses.

4. Personal Liability Coverage:

In the course of business, employees may find themselves facing legal issues. Business travel insurance often includes personal liability coverage, protecting the individual and the company against legal claims arising from personal injury or property damage caused during the trip.

5. Coverage for High-Value Items:

Business travellers often carry valuable equipment, such as laptops, tablets, and other electronic devices. Business travel insurance can cover these high-value items, protecting against loss, theft, or damage during the trip.

6. 24/7 Assistance Services

Travelling for business may involve navigating unfamiliar territories. Business travel insurance typically offers 24/7 assistance services, including emergency hotlines and support for travel-related issues, providing peace of mind to employees on the road.

As businesses continue to expand globally, the importance of comprehensive business travel insurance cannot be overstated. It serves as a safety net, ensuring that employees can navigate the world with confidence, knowing that they are protected against the unexpected. In the dynamic landscape of business travel, having the right coverage in place is not just a precautionary measure; it’s a strategic investment in the success and well-being of both the individual traveller and the organization as a whole.

Starting as a Business Travel Insurance or Reviewing Your Cover?

We would be pleased to provide a  FREE consultation as a Business Travel Insurance and can get insurance in minutes.

Similar Posts

Understanding the Scope of Patient-Doctor Confidentiality: What’s Covered?

In the realm of healthcare, patient-doctor confidentiality plays a vital role in fostering trust and ensuring the well-being of individuals…

Navigating the Emotional Challenges of Nursing: Self-Care Tips for Nurses

Nurses are at the forefront of patient care, often encountering emotionally demanding situations that can take a toll on their…

How to Handle Tenant Challenges as a Landlord

Being a landlord comes with its fair share of challenges, and one of the most daunting aspects can be handling…

How to Make Your Properties More Accessible

As a landlord, it’s essential to ensure your properties are accessible to all, including tenants with disabilities. It is a…

Top Tips for Starting your First Aesthetics Business

When 40 is fast becoming the new 30, Kylie Jenner has built her own beauty empire, now’s the time when…

Inside CosmediCheck

Please Introduce Yourself Joseph: So my name is Joseph Porter. I am the managing director and founder of Cosmetics. I’m…

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

The Guide to Business Travel Insurance

Anya Kartashova is a freelance writer and full-time traveler based in Salt Lake City. She has written about travel rewards and personal finance for FrugalTravelGuy, Fodor's, FlyerTalk, 10xTravel and Reward Expert. Her goal is to visit every country in the world by offsetting the cost with points and miles.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What is business travel insurance?

Why should business travelers get a business travel insurance policy, does travel insurance cover business trips, what is business travel accident insurance, do credit cards offer business travel insurance, business travel insurance, recapped.

Imagine the following scenarios. You’re meeting potential clients in their city in the morning, but your checked back, including your suit, didn’t make it. You’re giving a presentation, but some equipment has been stolen out of the hotel conference room. You got food poisoning from a restaurant where you had a business lunch and now require medical attention.

When going on the road for business, the last thing you want is to worry about these types of situations.

Business travel insurance provides coverage for the trips you take as part of your business or for a company that employs you. Knowing that some things don’t always go as planned during travel, you might find yourself benefitting from a business travel insurance policy.

Just like personal trip insurance , business travel insurance covers the unexpected during a business trip. A business travel insurance policy can help get reimbursements for travel expenses caused by trip delay and interruption , baggage delay, business equipment theft, emergency medical care, emergency medical evacuation and collision damage insurance for a rental car.

Depending on how often you travel, it's possible to get an annual insurance plan that will cover multiple trips or insure select travel on a trip-by-trip basis. An annual travel insurance plan is more cost-effective, but it might have lower limits than a single-trip policy.

The short answer is because you can never predict anything. The long answer is that it’s good for the following:

Reducing out-of-pocket expenses: One thing gone wrong, and you’re on the hook for unforeseen travel expenses. For example, medical evacuation can cost tens of thousands of dollars, so it’s important to keep those potential financial losses at bay when possible.

Increasing existing coverage: If you have a personal medical insurance plan, it’s important to note that most private insurance providers don’t provide medical coverage abroad. A credit card with travel protections can be a good start, but these benefits typically offer lower coverage limits.

Providing peace of mind: Having insurance can take some of the anxiety out of traveling. Even if the business trip is going according to plan, you'll know that you have safety nets in place should anything go awry.

» Learn more: How to find the best travel insurance

It depends. Some corporations offer travel insurance plans for their employees on the road. You should double-check with the human resources manager of your company as to whether business trips are covered.

It gets tricky if you’re an independent contractor or a freelancer since you don’t have a corporation behind you. As a sole proprietor, make sure to consult with your insurance provider, but be aware that a personal travel insurance policy might not cover business travel.

Instead, we recommend looking into business travel insurance that will cover your personal trips as well.

For example, the annual AllTrips Executive insurance plan from Allianz covers all trips for the year — personal and business — for a one-time fee. This becomes especially handy when you decide to mix business with pleasure and extend a work trip by adding on a few vacation days.

This policy covers trip emergency medical coverage for up to $50,000 and emergency medical transportation for up to $250,000. Travel delay is covered up to $1,600 and baggage loss or delay is covered up to $1,000 each.

An important feature offered by the AllTrips Executive plan is business equipment coverage. If it’s lost, stolen or delayed by the airline, equipment rental or replacement will be covered up to $1,000 each.

AIG Travel Guard , IMG Global and Zurich all offer business travel insurance, too.

Business travel accident insurance covers you in the event of the unthinkable — death or dismemberment. If it sounds like life insurance, it’s because it provides similar coverage but for when you’re traveling on a common carrier, such as an aircraft, a train, a bus or a cruise ship.

If you or someone in your family holds a life insurance policy for you, business travel accident insurance is going to pay out on top of it.

Some travel rewards credit cards offer travel coverage , but it isn’t always on par with a dedicated business travel insurance plan.

For example, the Ink Business Preferred® Credit Card and the United℠ Business Card offer primary auto rental collision damage waiver on cars rented for business purposes. To receive coverage up to the cash value of the car, you must decline the rental company’s own collision damage insurance and pay for the rental with one of these credit cards.

Note that trip cancellation and trip interruption are covered up to $5,000 with the Ink Business Preferred® Credit Card , but trip delay maxes out at $500. Although the United℠ Business Card comes with the same trip delay coverage limit, trip cancellation and trip interruption top out at up to $1,500 per ticket. Baggage delay is limited to $100 per day under both cards’ coverage.

The Business Platinum Card® from American Express offers the same secondary coverage for trip interruptions and trip cancellations: up to $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. For trip delay, the card covers up to $500 per covered trip up to two times per 12 consecutive month period. Terms apply.

Although some insurance coverage offered by your travel rewards credit card is good to have, as you can see above, the coverage limits are typically lower than if you were to buy an annual policy or a single-trip business travel insurance policy.

Credit cards also offer common carrier travel accident insurance and cover costs in case of accidental death and dismemberment. In this case, the first two of the aforementioned cards include coverage for up to $500,000, which is higher than what some annual or single-trip business travel insurance policies usually cover.

» Learn more: The best travel credit cards right now

Business travel accident insurance covers costs accrued in the course of business travel related to medical emergencies, accidental death and dismemberment and emergency evacuations. Specific coverage will vary by insurer.

Given that business travel is typically undertaken with specific business goals in mind and requires companies to take on overhead, travel insurance is likely worth the fraction of trip expenses that it costs to ensure that a company doesn't lose both cash and opportunity at the same time should things not go as planned.

Business travel insurance costs will vary based on the destination, duration of the trip, age of the traveler and the amount of money spent on the trip, among other factors. Some insurers offer annual plans, while others provide coverage on a trip-by-trip basis.

While specific coverage will vary from insurer to insurer, a business travel accident policy typically covers expenses related to medical incidents that occur in the course of the covered business travel.

If you have a personal travel insurance policy, check the terms to see how much applies to business travel. If none, consider purchasing an annual insurance plan for frequent business trips or a single-trip policy for occasional business travel and check with your company to see if the cost of the travel insurance is something you can expense.

Remember that some credit cards offer travel insurance for your business, but note the low payout limits if you choose not to purchase additional coverage.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

• Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
• Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
• Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
• Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
• Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
• Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
• Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
• Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
• Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
• Credit Score Best Credit Monitoring Services Best Identity Theft Protection
• CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
• Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
• Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
• Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
• Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
• Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
• Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
• Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
• Retirement Best Roth IRAs Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
• Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
• Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
• HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
• Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
• More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
• Debt relief Best debt management Best debt settlement Do you need a debt management plan? What is debt settlement? Debt consolidation vs. debt settlement Should you settle your debt or pay in full? How to negotiate a debt settlement on your own
• Debt collection Can a debt collector garnish my bank account or my wages? Can credit card companies garnish your wages? What is the Fair Debt Collection Practices Act?
• Bankruptcy How much does it cost to file for bankruptcy? What is Chapter 7 bankruptcy? What is Chapter 13 bankruptcy? Can medical bankruptcy help with medical bills?
• More payoff strategies Tips to get rid of your debt in a year Don't make these mistakes when climbing out of debt How credit counseling can help you get out of debt What is the debt avalanche method? What is the debt snowball method?
• Manage Topics
• Investigations
• Visual Explainers
• Newsletters
• Abortion news
• Climate Change
• Corrections Policy
• Sports Betting
• Coach Salaries
• College Basketball (M)
• College Basketball (W)
• College Football
• Concacaf Champions Cup
• For The Win
• High School Sports
• H.S. Sports Awards
• Scores + Odds
• Sports Pulse
• Sports Seriously
• Women's Sports
• Youth Sports
• Celebrities
• Entertainment This!
• Celebrity Deaths
• Policing the USA
• Women of the Century
• Problem Solved
• Personal Finance
• Consumer Recalls
• Video Games
• Product Reviews
• Home Internet
• Destinations
• Airline News
• Experience America
• Great American Vacation
• Ingrid Jacques
• Nicole Russell
• Meet the Opinion team
• How to Submit
• Obituaries Obituaries
• Contributor Content Contributor Content

Personal Loans

Best personal loans

Auto Insurance

Best car insurance

Best high-yield savings

CREDIT CARDS

Best credit cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel insurance

Best travel insurance companies of June 2024

Amy Fontinelle

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 2:16 p.m. UTC June 7, 2024

• path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
• path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Elevate plan gets the top score in our rating because of the extensive coverage it provides for the price. It offers best-in-class emergency medical and evacuation benefits, as well as high limits for baggage insurance.

Best travel insurance of 2024

• WorldTrips : Best travel insurance.
• Travel Insured International : Best for emergency evacuation.
• TravelSafe : Best for missed connections.
• Aegis : Cheapest travel insurance.
• Travelex : Best for families.
• AIG : Best for add-on coverage options.
• Nationwide : Best for cruise itinerary changes.

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Travel insurance quotes comparison

Best travel insurance companies, best travel insurance.

Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel , WorldTrips’ Atlas Journey Elevate plan gives you $250,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage. 

See our full WorldTrips travel insurance review .

Pros and cons

• $250,000 in primary medical coverage.
• $1 million per person in medical evacuation coverage.
• Primary damage or loss baggage coverage of $500 per item, up to $2,500.
• 5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
• No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 428 reviews of policies purchased through the travel insurance comparison site since 2008. 

Heidi’s expert take:   “WorldTrips offers primary coverage for emergency medical expense and for baggage damage or loss. This means the insurer will pay for your claim first and then seek recovery from any responsible third party, such as your health insurance provider, airline or homeowners insurance company (if your belongings are stolen). Travel insurance with secondary medical coverage might be cheaper, but then you’d have to file claims with third parties yourself, before you could turn to your travel insurance for help.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

• Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “The Worldwide Trip Protector plan provides rare non-medical evacuation benefits of up to $150,000. If you’re traveling to an area at risk of a political, security or national disaster, this emergency evacuation coverage could help get you back to safety.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for missed connections

TravelSafe offers good travel insurance for missed connections , with $2,500 in missed connection coverage for each person on the plan.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of our best-rated travel insurance plans.
• No “interruption for any reason” coverage option.
• Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you miss out on prepaid vacation plans because you didn’t make a connecting flight, you’ll be glad for the $2,500 missed connection coverage. Some policies only provide missed connection coverage for cruises and tours, but TravelSafe Classic doesn’t impose that restriction.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Cheapest travel insurance

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. This is based on the average cost of seven international trips of varying lengths and values for travelers of different ages.

See our full Aegis travel insurance review .

• Cheapest of our best trip insurance plans.
• Pet care benefit of $500 under travel delay benefits.
• Low emergency medical and evacuation limits.
• Low missed connection benefit of $500 per person for cruises and tours only.
• Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Heidi’s expert take:   “If you’re looking for a  budget travel insurance policy , Go Ready Choice may fit the bill. It has comparably low coverage limits, but if you have health insurance that will cover you on your trip, its $50,000 in secondary medical coverage may be sufficient.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

See our full Travelex travel insurance review .

• Free coverage for children 17 and under on the same policy.
• Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Low emergency medical coverage of $50,000 per person.
• Non-medical evacuation is not included.
• Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you’re traveling with kids, a Travelex policy will cover them, too. The number of children you can add to your policy is unlimited and they’ll get travel protection at no additional cost.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review .

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Heidi’s expert take: “You can add riders to your AIG travel insurance policy to maximize your coverage. Choose from these bundles: adventure sports, medical, pet, quarantine, security and wedding. You may also want to add “cancel for any reason” coverage and rental vehicle damage coverage.”  Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for cruise itinerary changes

Nationwide’s Choice Cruise is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Choice Cruise also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

See our full Nationwide travel insurance review .

• Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

  Heidi’s expert take: “This plan has protections for cruisers when it comes to prepaid expenses. But its emergency medical coverage is secondary, which means you’d have to file medical claims with your health insurance company first. Since U.S. health insurance won’t help you at sea, you may want to look for cruise travel insurance with primary medical coverage instead.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Compare the best travel insurance plans

Via Compare Coverage’s website

Heidi’s expert take: “Here are my tips on how to buy travel insurance that gets you the most coverage for the lowest price: Buy early . Getting travel insurance within two weeks of making your first trip deposit may qualify you for coverage of pre-existing medical conditions, and it won’t cost you any extra.  Look for primary emergency medical coverage . If you buy a plan with secondary coverage, you’ll have to file a claim with your health insurance first, even if you know it will be denied.  Don’t overinsure . Calculate the value of only your prepaid, nonrefundable trip expenses that are not already covered by other insurance (like credit card travel insurance or health insurance, if your coverage extends to where you are traveling). Even if this value is $0, you can still buy travel insurance for the travel medical insurance benefits, and you’ll only be paying for the insurance you need.  Understand exclusions . If you are planning to go scuba diving, for instance, make sure this adventure activity is not excluded from a policy’s coverage. If so, you may need to pay for a rider or shop for another plan that offers the coverage you need.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

• Best cruise travel insurance
• Best COVID travel insurance
• Best “cancel for any reason” travel insurance
• Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason” 

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs . 

How much you pay for travel insurance will depend on:

• The cost of your trip.
• Your destination.
• The length of your trip. 
• The ages of travelers being insured.
• Your state of residence.
• The travel insurance policy you choose.
• The total coverage amounts in your policy.
• Any travel insurance add-ons you select. 

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance. 

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

• Emergency medical coverage: At least $50,000. 
• Medical evacuation coverage: At least $100,000. 

If you’re going on a cruise, or to a remote location, Squaremouth recommends: 

• Emergency medical coverage: At least $100,000. 
• Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage. 

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

• You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
• You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
• You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

• Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
• In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise , travelers have more to lose if their plans are disrupted. 

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Squaremouth.com. Travel insurance quote filter usage from April 28 to May 28, 2024.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• $3,000, 8-day trip to Mexico for two travelers age 30.
• $3,000, 8-day trip to Mexico for two travelers age 70.
• $6,000, 17-day trip to Italy for two travelers age 40.
• $6,000, 17-day trip to Italy for two travelers age 65.
• $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

If you’d like to dig in deeper, head over to our travel insurance ratings methodology page.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Explore and Atlas Journey Elevate — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

• Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 
• Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation. 
• Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 
• Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 
• Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 
• Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 
• Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.  

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems: 

• Bankruptcy of a travel insurance company, such as your airline or tour operator. 
• Dangerous weather conditions.
• Delayed and lost luggage.
• Illness or death in your family that requires you to stay home or cut your trip short.
• Illness that needs medical attention.
• Injury requiring medical evacuation.
• Jury duty. 
• Travel delays and missed connections.
• Theft of your personal belongings while traveling.
• Unexpected job loss. 

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

• Accidents or injuries caused by drinking or drug use.
• Canceling your trip because you changed your mind.
• Ending your trip early because you changed your mind.
• Losses caused by intentional self harm, including suicide.
• Losses due to war, civil disorder or riots.
• Medical tourism.
• Medical treatment for pre-existing conditions.
• Mental health care.
• Natural disasters that begin before you buy travel insurance.
• Non-medical evacuation.
• Normal pregnancy. 
• Medical treatment related to high-risk activities.
• Routine medical care, such as physicals or dental care.
• Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically. 

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits. 

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department. 

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events. 

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

• Travel Insured International — Rental car damage and theft coverage of $50,000.
• WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible. 

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations. 

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill. 

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

• Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
• 'Just a parade of incompetency': Spirit Airlines passengers with 'nightmare' stories want more than apology, $50 vouchers
• ‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
• Hurricane Irma: Flight cancellations top 12,500; even more expected
• Is an annual travel insurance policy right for you?
• How 2020 and COVID-19 changed travel forever – and what that means for you
• COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
• Sunday: Snow is over, but flight cancellations top 12,000
• After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
• What’s the difference between travel insurance and trip ‘protection’?
• How to choose the right travel insurance for your next vacation
• Travel insurance can save the day
• Angry passengers brawl after Spirit cancels flights
• What to do when travel insurance doesn’t work
• How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
• Travelers will pay and worry more on summer vacation this year. But they won’t cancel
• How to find a hotel with COVID testing and quarantine facilities wherever you travel
• Yearning to travel in 2022? First, figure out your budget – then pick a destination
• Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
• Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
• Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
• These days, forgetting these important travel items could cost you thousands of dollars
• International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
• Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
• The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
• Should you travel during the holidays? Americans struggle with their decision
• ‘There’s still pent-up demand’: What you should know about fall travel
• Planning for life after coronavirus: When will we know it’s safe to travel again?
• ‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
• Considering a camping trip this summer? Tips to make sure your gear is good to go
• RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
• Five myths about travel agents
• Should I buy travel insurance?
• Is travel insurance stacked against you?
• Five myths about travel insurance and terrorism
• These eight things could get your travel insurance claims rejected
• There’s a good chance that your credit card already gives you some kind of travel insurance coverage
• How to avoid a hotel cancellation penalty
• Change fees and travel insurance continue to rise

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

10 worst US airports for flight cancellations this week

Travel insurance Heidi Gollub

10 worst US airports for flight cancellations last week

Our travel insurance ratings methodology

AXA Assistance USA travel insurance review 2024

Travel insurance Jennifer Simonson

Cheapest travel insurance of June 2024

Travel insurance Mandy Sleight

Average flight costs: Travel, airfare and flight statistics 2024

Travel insurance Timothy Moore

John Hancock travel insurance review 2024

HTH Worldwide travel insurance review 2024

Airfare at major airports is up 29% since 2021

USI Affinity travel insurance review 2024

Trawick International travel insurance review 2024

Travel insurance for Canada

Travelex travel insurance review 2024

Best travel insurance for a Disney World vacation in 2024

World Nomads travel insurance review 2024

You are about to leave geico.com

When you click "Continue" you will be taken to a site owned by , not GEICO. GEICO has no control over their privacy practices and assumes no responsibility in connection with your use of their website. Any information that you provide directly to them is subject to the privacy policy posted on their website.

Travel Insurance

Get a travel insurance quote and protect your next trip

For flight insurance protection:

Aircare Flight Quote

For all-in-one trip insurance protection:

ExactCare Travel Quote

Manage Your Travel And Flight Insurance

Manage your policy online

Need a travel insurance quote?

Existing policyholder?

Take the worry out of your travels with affordable flight or trip insurance.

Looking to plan the vacation of a lifetime or flying home for the holidays? Trip insurance and flight insurance can provide the peace of mind you need for your next journey. The GEICO Insurance Agency, with Berkshire Hathaway Travel Protection (BHTP), offers comprehensive travel insurance coverage, with prompt service and global assistance. Get an online travel insurance quote today and confidently protect your next adventure.

AirCare Flight Insurance

If you only need to protect your travel costs for a flight, AirCare may be what you need. With affordable coverage for both domestic and international flights, AirCare flight insurance helps you plan with peace of mind.

ExactCare Travel Insurance

If you want to cover your flight and other trip arrangement's ExtraCare can help. An ExactCare Travel Insurance policy can help with the unexpected like:

• Trip Cancellations/Interruptions/Delays
• Lost/Stolen travel documents
• Unexpected medical expenses

What's the difference between flight insurance and travel insurance?

The main difference is that a flight insurance policy only covers your airfare. On the other hand, a travel insurance policy helps protect your flight as well as other parts of your trip. While you're planning your next trip, think about where you're going and what you'll be doing. Once you have that, it'll be easier to choose which policy works best for your trip.

What does a flight insurance policy cover?

AirCare Flight Insurance has a variety of benefits including emergency travel assistance, 24/7/365. Some common flight coverages are:

• Airfare incase flights are cancelled or you miss a connection
• Personal items like lost or delayed luggage
• Flight delays in your departure (at the gate or on the tarmac)

AirCare Quote

What does a travel insurance policy cover?

ExactCare Travel Insurance provides all-in-one travel protection, with family friendly pricing and worldwide emergency travel assistance 24/7/365. Common things covered by travel insurance are:

• Trip cancellation or interruption
• Personal items like passports and luggage
• Medical costs like hospital and doctor expenses, medical evacuations, and more

ExactCare quote

What is not covered by travel insurance?

Your coverage is based on the plan you choose. However, in general some things that aren't normally covered by travel insurance are:

• Action and team sports, for example auto racing, pro sports travel, or other extreme sport activities
• Travel to get medical care
• Trip Cancellation because you changed your mind

For more information, please check your policy.

Is travel or trip insurance worth the cost?

Travel insurance can help protect your vacation or trips from unexpected things happening. You can travel without trip insurance but doing so brings greater risk if something goes wrong or you encounter unexpected delays. Flight insurance or trip insurance coverage can include things like flight cancellation, lost luggage, trip cancellation, emergency medical transportation, and more. Learn more about travel insurance and why you should get a travel insurance quote today!

How much does travel insurance cost?

Travel insurance typically costs 5 to 10 percent of your total trip cost, though that can be influenced by several things.

• The cost of the trip
• The length of your trip and destination
• The amount of coverage selected
• The number of travelers covered under the policy

Worldwide service and claims information.

It's easy to manage your travel insurance..

Berkshire Hathaway Travel Protection (BHTP) has made it easy to manage your travel insurance. You can:

• Visit Berkshire Hathaway Travel Protection's website
• Email [email protected]

Is travel insurance worth it?

Yes. Things happen that are out of your control. Whether it's your flight being cancelled or delayed to a family emergency. Life happens and that's how travel insurance can help. Plan for the unexpected with a travel insurance policy so you can rest easy knowing you're covered.

Travel Insurance: Get the answers you're looking for.

• What travel insurance plans are available? BHTB offers AirCare (flight only) and 3 main plans: ExactCare Value, ExactCare, and ExactCare Extra. ExactCare Value provides great traveling insurance coverage for budget minded travelers. You can rest easy knowing you're covered for things like trip cancellation, trip interruption, and medical expenses. The main difference is the maximum amount that will be covered. ExactCare and ExactCare Extra's insurance cover the same things as ExactCare Value and add coverage for missed connections and accidental death & dismemberment. The overall amount covered is also increased for each plan respectively.
• Can I get trip insurance for an extended overseas stay? Yes. We can help you with getting insurance for overseas. Please visit our overseas insurance page for information about all the options we have for you!
• Is there travel insurance that can cover my vehicle while traveling to Mexico? Your US auto insurance policy won't cover your vehicle when you drive into Mexico. We're here to help you find the Mexico car insurance you need to insure your car.
• Tips for saving money on your next vacation. No one wants to overpay things. We're here to help. Check out our 5 ways to save your money on your next family vacation.
• Where you're going
• Number of days you're traveling
• Cost of your overall trip
• Coverage you pick
• Number of people covered under your policy

If you choose to get a rate quote or service your policy online, you will be taken to the Berkshire Hathaway Travel Protection website which is owned by Berkshire Hathaway Specialty Insurance Company, not GEICO. Any information that you provide directly to Berkshire Hathaway Specialty Insurance Company on its website is subject to the privacy policy posted on their website, which you should read before proceeding. GEICO assumes no responsibility for their privacy practices or your use of their website.

ExactCare is provided through Berkshire Hathaway Global Insurance Services, LLC. ExactCare and AirCare are underwritten by Berkshire Hathaway Specialty Insurance Company. Both coverages are secured through the GEICO Insurance Agency, LLC.

Benefits may vary by jurisdiction. Please contact a representative to confirm availability.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Colorado Language Preference

Are you a resident of or looking for insurance in the State of Colorado?

We are temporarily unable to provide services in Spanish for Colorado residents. You will now be directed to an English experience.

Estamos encantados de ofrecer nuestra nueva version del sitio web en Español. Apreciamos su paciencia mientras seguimos mejorando su experiencia.