Business travel insurance

Protect individuals or groups of employees when they travel internationally often on an annual policy.

Get a business travel insurance quote

If you’re ready to purchase business travel insurance or if you have any questions, our advisors are on hand to help. We’ll get to know the needs of your business and the reason for the trips to ensure the policy meets all your needs. Provide some basic contact information, and a member of our team will be in touch.

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What is business travel insurance?

Similarly to personal travel insurance, business travel insurance protects employees when they're travelling overseas on behalf of their company. The policy would also cover employees for any leisure trips which do not exceed the maximum days as per the policy terms and conditions.

Our travel insurance partner - Pulse Travel

We’ve partnered with Pulse Travel, a trustworthy and experienced travel insurance company that has been supporting individuals, groups and businesses with their travel insurance needs since 1998.

What does business travel insurance cover you for?

The options will depend on who your provider is, the policy level you opt for, and whether you include any additional cover. We've listed some of the policy inclusions that you may be able to purchase below:

Business equipment

Whether it’s merchandise for a conference, company computer equipment or something else. Cover the equipment if it's lost, stolen or destroyed during your travels.


If you need to cancel a business trip due to unforeseen circumstances, your policy will reimburse you for some of the money lost.


If you need to end your trip earlier than planned due to unforeseen circumstances, you may be reimbursed the cost depending on why you curtailed the travel.

Delayed departure

When your trip is delayed for a certain period of time, you may be able to claim compensation up to the amount listed in your policy.

Delayed personal possessions

Where your personal items are delayed for longer than the period detailed in your policy, you’ll receive a payout to help cover some of the costs of purchasing new items.

Emergency medical expenses

If you have a medical emergency and need to visit the hospital, end your trip early, or extend your stay, you’ll be covered for the costs up to your policy limit.

GP 24/7 online

Access medical consultation services over the phone or via video calls to discuss any concerns you have.

Loss of passport

Receive cash towards the cost of getting a temporary passport, such as travel and accommodation expenses.

Personal liability

Cover for legal costs arising as a result of pursuing claims for compensation and damages resulting from an Insured Person’s death, illness or Bodily Injury during a trip.

Personal accident

If an accident happens that causes death, total loss of sight, limb damage or permanent disability, you may receive compensation depending on how the accident occurred.

Personal money

Should you lose or have your personal money stolen, you’ll be covered up to a maximum cash limit.

Personal possessions

If your personal belongings are lost, stolen or damaged, your policy will reimburse you up to the policy limit.

Missed departure

If you miss your flight due to issues with public transport or vehicle emergencies, you may receive a payout towards some of the costs you’ll incur as a result.

Sports equipment

If sporting equipment is being taken for the business trip, such as for company golf sessions, your policy will cover the items for loss, damage or theft.

Company money

Should an employee holding company money lose the cash or have it stolen, you’ll be reimbursed up to a cash limit.

Please note: the finer details of each cover option may vary per provider, and the above is used only to indicate what may be available to you.

What isn’t covered under business travel insurance?

Some exclusions will apply to your policy, and what these are depend on who your provider is and the type of policy you purchase. However, we’ve listed some common exclusions that you may not be able to find cover for:

High-risk sports and leisure activities, such as kite surfing and rugby.
Items, such as equipment, luggage or cash that's left unattended.
Reckless behaviour that leads to a claim being made on the policy.
Employees who are travelling to high-risk destinations.

What happens when you need to make a claim?

In the unfortunate event that you need to claim on your policy, you and your employees must understand the process. Each provider will have its own unique claims process, and they’ll be able to support you should something happen, but as an example, here’s what you may have to do:


Contact the local authorities

If your claim involves crime of any nature, such as having something stolen, or an accident leading to injury, you may need to contact the local authorities first. You may need to provide evidence during this stage that supports your claim at a later date.


Contact the insurance company

Make sure that your business travel insurance provider knows about the claim at the earliest possible date. They’ll be able to guide you on the steps you need to take next, such as what evidence to gather.


Provide evidence to support the claim

This may be police reports, medical information, receipts and anything else that helps to validate your claim. Depending on what the claim is for, you’ll need to gather different information, but your provider will guide you through this.


Receive the payout

Following a successful claim, the insurer will pay out a cash sum depending on your limits and the reason for the claim.

How much does business travel insurance cost?

How much you’ll pay for business travel insurance depends on the type of policy you purchase, your trip details, and more. Get a quote today and find out how much it will cost to cover your travelling employees.

Get a business travel insurance quote

Our advisors are ready to help you with your business travel insurance needs. Submit some basic information, and we’ll help you find a quote and cover your employees for their upcoming trip.

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0800 970 1618
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Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

What our advisors have to say about business travel insurance

“If your employees regularly travel, business travel insurance provides protection and peace of mind for those travelling and their employer”

Premier choice group

Business travel insurance FAQs

How many employees are covered under a business travel insurance policy?


Does business travel insurance cover more than one trip?


Why choose Premier Choice Group?

Personal market analysis

Our team will personally review your options

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Free comparison service

Our no obligation service is entirely free

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Independent advice

Our advice is always unbiased and impartial

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Fair analysis

We aim to offer a fair analysis of policies available on the market

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Single UK-based contact

A UK based company providing a nationwide service

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Qualified advisors

Authorised & regulated by the Financial Conduct Authority

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Helping you with your employee benefit needs

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Cover your employees for private medical treatment if they travel abroad or relocate to an overseas office.

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Business Health Insurance

Cover your employees for the private diagnosis and treatment of medical conditions, as well as access to additional help and support services.

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Healthcare Trusts

Provide private healthcare and wellbeing coverage to your employees through a flexible, tax efficient trust that puts you in control of how you deliver health benefits.

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Employee Health Assessments

Health assessments may help you to understand the general health of your employees, and whether there are any risks to your staff and business due to health issues. Receive and implement action plans that aim to combat these risks, while benefitting from a healthier workforce.

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Business Health Cash Plans

Help your employees with their health related costs through a business health cash plan. Cover expenses such as dental, optical and subscriptions up to a limit for the employees covered under the plan.

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Occupational Health Services

Understand any health risks with your business and create a targeted action plan designed to prevent absence and support employees returning from illness.

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Business Dental Insurance

This would cover your employees for preventative and restorative treatments such as dental checkups, treatments, and consultations.

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