Travel Coverage for Your Employees

Keep Your People Protected on the Road

When employees travel for business — whether across the state or around the world — they face risks that your standard group health plan and personal insurance may not cover. Business travel insurance fills those gaps with comprehensive protection designed specifically for corporate travelers.

As an independent broker representing 142+ carriers, we design business travel programs that cover medical emergencies, trip disruptions, lost luggage, and emergency evacuations. From a single trip to an annual global travel program, we find the right coverage at the best value.

Business Travel Coverage Types

Medical Coverage While Traveling

Many employer group health plans have limited or no coverage outside the United States, and domestic plans may have narrow networks that don’t extend to every state. Business travel medical coverage fills this gap by providing comprehensive medical benefits wherever your employees travel, including international destinations, with direct billing to the insurance carrier whenever possible.

Coverage typically includes emergency room visits, hospitalization, physician care, prescription medications, outpatient surgery, and emergency dental treatment. Limits are generally $250,000 to $1,000,000 per person per trip, with low deductibles and no balance billing for covered services. This ensures your employees can seek treatment immediately without worrying about upfront costs or navigating foreign healthcare systems on their own.

Emergency Evacuation & Repatriation

Emergency evacuation coverage is one of the most critical components of any business travel policy. If an employee suffers a serious illness or injury and adequate medical facilities are not available locally, this coverage arranges and pays for transportation to the nearest appropriate medical facility — often via air ambulance with a medical escort. In the worst-case scenario, it covers the repatriation of remains to the employee’s home country.

Evacuation limits typically range from $100,000 to $500,000 per person, and coverage is coordinated by a 24/7 assistance provider that handles all logistics, from medical team dispatch to ground transportation coordination. We recommend evacuation coverage for any employee traveling internationally or to remote domestic locations where medical infrastructure may be limited.

Trip Cancellation & Interruption

Trip cancellation and interruption coverage reimburses the business and the employee for non-refundable travel expenses if a trip must be cancelled, delayed, or cut short due to a covered reason. Covered reasons typically include illness or injury of the traveler or an immediate family member, severe weather, natural disasters, terrorist events, or the employee being called back to the office for an urgent business matter.

Coverage includes airline tickets, hotel reservations, rental cars, conference registration fees, and other prepaid expenses. For trips that are interrupted, the policy also covers the additional transportation costs needed to get the employee home early. Many annual travel programs include trip cancellation as a standard benefit, making it easy to cover every business trip without per-trip paperwork.

Baggage & Personal Effects

Baggage coverage protects the personal property your employees travel with — luggage, clothing, electronics, work materials, and personal items. If bags are lost, stolen, or damaged by a common carrier (airline, train, bus), the policy reimburses the actual cash value of the contents, subject to policy limits and item sub-limits for high-value items like laptops and cameras.

Baggage delay coverage provides reimbursement for emergency essentials (toiletries, clothing, phone charger) if luggage is delayed for more than 12-24 hours. Standard limits are $500-$2,000 for baggage loss and $200-$500 for baggage delay. Bundling this coverage with the full business travel program is typically more cost-effective than purchasing separate travel insurance per trip.

24/7 Travel Assistance Services

Beyond insurance coverage, every business travel policy includes access to a 24/7 travel assistance hotline. This is a concierge-level service that helps employees navigate any travel emergency, from finding an English-speaking doctor to arranging emergency cash advances, replacing lost passports, translating medical documents, or providing legal referrals if an employee is arrested or detained.

This service alone can be worth the entire premium. When an employee has a medical issue in a foreign country at 2 AM local time, one phone call connects them to a trained coordinator who speaks their language and can dispatch help immediately. We help you select carriers with the strongest assistance networks, including global coordination centers with multilingual staff and extensive vetted provider directories worldwide.

Corporate Travel Programs

We design three types of corporate travel insurance programs based on how often and where your employees travel:

• Single-Trip Coverage: Ideal for businesses with infrequent domestic or international travel. Each trip is insured individually with limits tailored to the destination and duration.
• Annual Multi-Trip Program: The most popular option for companies with regular business travel. Employees are covered for all business trips during a 12-month period with a single policy. This reduces administrative overhead and ensures consistent coverage limits.
• Global Group Medical + Travel: Comprehensive coverage for employees who travel extensively or are assigned to international locations for extended periods. Combines travel insurance with global medical insurance for seamless protection.

We help you evaluate your team’s travel patterns, destinations, and risk factors to recommend the right program structure. Most businesses find that an annual multi-trip program offers the best value, covering unlimited trips with consistent limits and no per-trip enrollment needed.

Frequently Asked Questions