Business Travel Insurance
If you’re off on a business trip it’s vital you’re protected with business travel insurance. Protect yourself and your work equipment, get a quote today.
Plan Options
International Business Travel Insurance
There are some jobs that require you travel abroad, whether it’s for a meeting or a conference. Large companies generally have their own travel insurance that should cover you. If that’s not the case, then it’s advised to purchase business travel insurance.
International business travel insurance will cover you should your travel plans suffer; you miss a flight, or you lose some expensive equipment such as your laptop.
Single Trip Business Travel Insurance
If you’re travelling for a one-off business meeting or conference, Single Trip Travel Insurance will cover you for the duration of that specific period. You will be protected from the moment your purchase your insurance to the time you land back at home.
Annual Business Travel Insurance
If you’re a frequent business traveller, meaning you go on business trips more than just once a year, then it’s recommended that you select an annual travel insurance policy so that you’re covered for all trips that you make within the year.
Policy Benefits
Key Benefits of our Business Travel Insurance
Expatriate Group Business Travel Insurance will cover you for journeys to areas within Europe and Worldwide so you can travel relaxed knowing that you are protected against unexpected eventualities. You’ll be covered from the moment you purchase your chosen policy up until you arrive back on home soil.
Emergency Medical Evacuation
If you become injured or fall ill whilst overseas there’s a chance that the treatment you need will not be available locally. Emergency medical evacuation cover, sometimes known as medevac, can help. You will be safely transported to the closest appropriate medical facility to receive your urgent care. This cover is particularly important for remote areas.
Emergency & Accidental Medical Treatment
No matter the severity of your illness, you will be protected on your business trip and receive the medical care you need. Depending on your issue this may involve visiting a pharmacist, doctor, A&E department, or having a stay in hospital. Protection from Expatriate Group means you will receive the treatment you need at a facility or your choosing wherever you are in the world.
Enhanced Benefits & Protection
Expatriate Group offer a core business travel insurance option. However, because we know the needs of every traveller is different, you can enhance your policy with add-ons that suit you. Optional protection covers you against the likes of loss of passport, personal liability, baggage delays and theft, missed departures, and legal expenses.
Cancellation and Curtailment Cover
If you want to protect yourself even further, then our comprehensive policy also covers you should your trip be unexpectedly cancelled or you are forced to return home early. Cancellation and curtailment cover also extends to cancelling before your flight, as well as travel delays, missed departure, illness, death of a close relative, or redundancy.
Business Trip Insurance
The Benefit Schedule
The benefit schedule below is applicable to Expatriate Group’s Business Travel Insurance. It is a summary of travel cover and must be read in conjunction with the policy wording. All coverages and plan costs listed in this schedule of benefits are in Euros, dollars, and pounds. All benefits will be reimbursed at Usual, Customary and Reasonable (UCR) charges where applicable. Amounts shown are the maximum per policy and period of cover, except where otherwise stated.
| BASIC Medical Treatment & Evacuation | |||
|---|---|---|---|
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Air Ambulance | 100% per Trip | ||
| Accompaniment | $/€300 per day up to $/€3,000 per Trip | ||
| Continuation | $/€5,000 per Trip | ||
| Repatriation for Medical Treatment | 100% per Trip | ||
| Care Management | 100% per Trip | ||
| Acute/emergency Sickness and Injury | 100% per Trip | ||
| Treatment by authorized physicians, nurses and specialists | 100% per Trip | ||
| Hospitalization (semi-private rooms) | 100% per Trip | ||
| Surgery, anesthesiologist | 100% per Trip | ||
| Prescribed medicines, dressings | 100% per Trip | ||
| Local transport to and from the place of treatment | 100% per Trip | ||
| Treatment by physiotherapists and chiropractors | $/€2,500 per Trip | ||
| Medically Necessary required durable medical equipment | 100% per Trip | ||
| Limited motorcycle and sports vehicle coverage for injuries only | $/€10,000 per Trip | ||
| Emergency dental treatment for immediate relief of pain | $/€500 per Trip | ||
| Non-Hazardous Sports Coverage | $/€150,000 per Trip | ||
| Other Benefits | |||
| Repatriation of Mortal Remains | $/€25,000 per Trip | ||
| ATMSafe | $/€500 per Trip | ||
| STANDARD Enhanced Benefit Options | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Baggage Delay 1 | $/€100 per day up to $/€700 per Trip | ||
| Baggage Loss/Theft | $/€500 per Item up to $/€2,500 per Trip; subject to $/€100 Deductible per Trip | ||
| Personal Liability | $/€100,000 per Trip | ||
| Accidental Death & Disability / Permanent Total Disability | $/€100,000 per Trip | ||
| Additional Hospital Benefit (per day / total benefit) | $/€75 per day up to $/€600 per Trip | ||
| Physical Assault | $/€5,000 per Trip | ||
| Money and Documents (tickets, cash, banknotes) | $/€500 per Trip | ||
| Loss of Passport | $/€250 per Trip | ||
| Travel Delay 1 | $/€100 per day up to $/€1,000 per Trip | ||
| Missed Departure | $/€1,000 per Trip | ||
| Legal Expenses | $/€10,000 per Trip | ||
| Hijacking | $/€1,000 per Trip | ||
| Emergency evacuations for Non-Medical reasons, including War, Civil Unrest, or Natural Disasters | $/€1,500 per Trip | ||
| 1. Benefit does not apply to One Way Trips | |||
| COMPREHENSIVE Cancellation and Curtailment Cover | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Cancellation and Curtailment 2 | $/€2,000 per Trip; subject to $/€100 Deductible per Trip | ||
| Compassionate Repatriation (Family Return) | $/€6,000 per Trip | ||
| 2. Benefit not available to residents of the USA | |||
|
Add On Option 1 Winter Sports Package – Limited to 21 days aggregate per Policy Period |
|||
| Ski Equipment | |||
| Owned | Up to $/€300 | ||
| Hired | Up to $/€300 | ||
| Single item limit | $/€300 | ||
| Unreceipted Items Limit | Up to $/€150 | ||
| Unreceipted Single Item Limit | Up to $/€50 | ||
| Ski Hire | $/€25 per day up to $/€300 | ||
| Ski Pack | $/€25 per day up to $/€300 | ||
| Piste Closure | $/€25 per day up to $/€300 | ||
| Delay Due to Avalanche | Up to $/€300 | ||
|
Add On Option 2 Business Equipment & Money |
|||
| Business Equipment | Up to $/€1,500 | ||
| Single Item Limit | $/€500 | ||
| Computer Equipment Single Item Limit | $/€750 | ||
| Samples Limit | $/€400 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Delayed Business Equipment | $/€100 per day up to $/€300 | ||
| Emergency Courier of Essential Business Equipment | Up to $/€400 | ||
| Business Equipment Hire | $/€100 per day up to $/€500 | ||
| Business Money | Up to $/€500 | ||
| Cash Limit | $/€200 | ||
|
Add On Option 3 Golf Cover – Limited to 21 days in aggregate per Policy Period |
|||
| Golf Equipment | Up to $/€1,000 | ||
| Single Item Limit | $/€200 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Golf Equipment Hire | $/€50 per day up to $/€250 | ||
| Non-Refundable Golfing Fees | $/€50 per day up to $/€250 | ||
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Business Trip Insurance FAQs
Is travel insurance compulsory for a business trip?
Travel insurance isn’t essential but it’s certainly advised for all kinds of trips. If your company doesn’t provide cover, it’s advised that you purchase business travel insurance to ensure that you and your business equipment are covered.
Get your Business Travel Insurance quote online now.
Does business travel insurance cover my equipment?
To guarantee that your business laptop and any other expensive equipment is insured whilst you’re abroad it’s advised to purchase our Business Equipment & Money add on option.
Protect your equipment and get a Business Travel Insurance quote online today.
What is the maximum duration I can be insured for?
For single trip and one way trip policies the maximum duration cannot exceed 180 days and cannot be combined with any other policy to exceed this limit. For annual multi trips the maximum duration must not exceed 90 days in total. If you need protection for longer periods of time, take a look at our International Health Insurance.
Get your Business Travel Insurance quote online now.
What is covered?
If you purchase our business travel insurance your business equipment will be covered for up to $/€1,500 as well as your business money up to the value of $/€500. In addition to this you’ll be covered against delayed business equipment and business equipment hire. Please ensure you read the benefit schedule carefully to understand exactly what is covered.
Get your Business Travel Insurance quote online now.
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