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Business Travel Insurance

How to use this table: Search for the policy by price, rating or name from the table below. Click on the right hand column to get more information and quote.


Business Travel Insurance Guide

Most single trip and annual trip travel insurance policies offer Business Travel Insurance as an add on. Every policy has been rated using our own in-house algorithm and then ranked by price. The algorithm takes into account many factors, including things like, sections covered, sums insured, terms and conditions, additional benefits, and excess.

Each policy has been given a one to five star rating. Using our search facility, you can filter policies by star rating, premium, excess, levels of cover, or a combination of filters. Once you have filtered the search results to best suit your needs. you can click “Get a Quote” and go through to the Insurance Providers website where you can finalize your policy.

Business Travel Insurance

In Brief

Whether you work for a company or run your own business, it’s is possible that you will have to travel abroad in connection with your job. Some Travel Insurers will offer business cover as an optional extra to a standard travel policy. There are however several companies who specialise in stand alone business travel policies and they can be extremely flexible.

Who is Business Travel Insurance for?

Business Travel cover can be for an individual travelling abroad on business, or a company policy covering 50 employees. Whether you require cover for a single trip, or several trips a year, or you run a large company whose employees have to travel abroad regularly.

A Business Travel policy will cover all the options

  • Individual Business Travellers
  • Companies with up to 50 employees

What you need to know about Business Travel Insurance

This is one policy, where levels of cover can vary considerably from company to company. Some will simply offer a very basic policy. At the other end of the spectrum there are policies with no medical exclusions, no excess and no off limit areas of the world.

Whilst travelling on business it is extremely likely you will be taking a lot of expensive items with you, suits, laptops, samples etc. Look out for policies that offer increased cover on business equipment.

You might want to combine your business trip with some recreation time, or even take your family with you. Make sure your policy includes cover for leisure time and the inclusion of your family.

A unique feature of a business travel policy is cover for replacement personnel.

If you are travelling abroad to make an important presentation or meeting and you have an accident or are taken ill, most business travel policies will cover the cost to fly out a business colleague to take your place.

Also look out for policies that cover hire of replacement business equipment if yours becomes lost or stolen, and or the cost of couriering replacement business samples if these get stolen or damaged.

Important Considerations about Business Travel Insurance

If you have an existing medical condition, look for a policy that will cover them as standard. Some policies also offer VIP access to business class airport lounges and travel concierge services.

Look for additional options to extend cover for adventurous activities, winter sports, golf and comprehensive cover including political unrest and natural catastrophe evacuation, £50,000 kidnap and ransom cover in the event that you are taken captive, including any medical expenses incurred and crisis management consulting.

Always check exactly what is covered, as although the cheapest option may be simply adding on business cover to a standard travel insurance policy, this may not actually guarantee you many of the added benefits that bespoke business travel cover may provide. Think about what you intend to do whilst travelling abroad and match this to the cover available.

Star Ratings Explained


Market Research companies hand out top rankings to a large proportion of Travel Insurance Policies.

Thats Insurance has been much more strict in our ranking process. We have awarded Five Stars to only the very best policies.

We appreciate that not every customer will want nor need a five star policy. The information on the right details exactly what you can expect from a policy with one of our star ratings.

Broadly speaking Three Star policies provide cover which is inline with the market average. Four and Five Star policies provide cover which is above the market average and One and Two star policies provide cover below the market average.

  1. The policy covers all core sections and all secondary sections under a travel policy.

  2. All Core Sections of cover are above the levels of the market average policy.

  3. All secondary sections are either at or above the levels of the market average policy.

  4. Has additional benefits over and above a standard policy.

  5. Includes cover for supplier insolvency as standard.

  6. Includes natural catastrophe cover, either as standard, or as an optional add on.

  7. Has the most competitive premiums in relation to the cover provided, across the range of scenarios tested.

  8. Has clear and consumer friendly, policy wording and explanations of cover.

  9. The policy has an alcohol wording that is more customer friendly than the standard blanket exclusion.

  10. The standard excess is below the level of the market average.

  1. Covers all core sections and secondary sections under a travel policy.

  2. Core Sections of cover either at, or above the levels of the market average.

  3. May have additional benefits over and above the standard policy.

  4. May not automatically include cover for supplier insolvency.

  5. Premiums are competitive premiums in relation to the cover provided across the range of scenarios tested.

  6. Has clear and consumer friendly policy wording and explanations of cover.

  7. The standard excess is either at or below the level of the market average.

  1. Provide cover for all core sections, but may have some secondary sections missing.

  2. May have Core sections of cover that are lower than the level of the market average.

  3. Premiums may not be as competitive, or be consistently competitive across the range of scenarios tested.

  4. The Insurer, may not have been able to provide quotations across the full range of scenarios tested.

  5. The excess may be above the level of the market average.

  1. May have some core sections of cover missing.

  2. May have some secondary sections of cover missing.

  3. Levels of cover tend to be below the market average.

  4. Premiums may be lower than the market average due to the lower levels of cover.

  5. The Standard Excess is higher than the market average.

  1. Has core sections of cover missing.

  2. Has secondary sections of cover missing.

  3. Cover is much lower than the market average.

  4. Premiums are lower than the market average due to the lower levels of cover.

  5. The Standard Excess is higher than the market average.