Business travel insurance

This depends on where you’re planning to go.

A business travel policy doesn’t automatically cover all countries. If you've chosen a single-trip policy, you'll usually choose a single destination for cover. If you choose annual travel insurance, you can usually specify where you're travelling to and whether you need european cover or worldwide cover. Here are a few things to consider when choosing your level of cover:

European travel insurance covers you for travel within Europe. It’s recommended by the FCDO, but isn’t a legal requirement. It usually covers things like emergency medical treatment and repatriation, flight cancellations and baggage cover.

Worldwide travel insurance covers you for almost anywhere in the world, including:

• Europe
• Asia
• Africa
• Australia
• The Middle East

It also covers all the essential things you'd expect from a standard travel insurance policy. For example, emergency medical expenses, repatriation costs, baggage cover, and cancellation and curtailment. By adding business cover to your policy, you could also get specialist cover for business laptops, phones and other equipment.

Cover for countries like Turkey and Egypt can vary between European and worldwide policies. This is dependent on the provider, so it’s best to read the policy wording before buying.

When getting a quote for worldwide business travel insurance, you can choose between:

• Worldwide excluding Canada, Caribbean, Mexico, USA
• Worldwide including Canada, Caribbean, Mexico, USA

There's a few things that can affect the price of your travel insurance policy. Let's take a look at them:

Where you’re travelling to

Insurers take into account the destination you plan to travel to. For example, if you're going to a country with expensive medical costs, like the USA, you may find your policy to be a higher price.

The length of your trip

The length of your business trip can also increase the price. Generally, the longer you're away, the more likely you are to make a claim. So, if you're going on a longer trip, you may find your policy is more expensive.

Your age

Some insurers consider travellers aged 50 or older to be at an increased risk of needing to make a claim. So, this can lead to a more expensive business travel insurance policy.

Your health

If you have a pre-existing medical condition, this can increase the cost of your insurance. This is because insurers may consider you to be at a higher risk of needing to get treatment for it.

High-risk activities you plan to do

Certain activities, such as skiing or mountain climbing, are considered high-risk by insurers. So, if you're planning to do sports or activities not included in your business travel insurance policy, you can buy optional add-ons. These include adventure travel insurance, and ski insurance.

What your voluntary excess is

The voluntary excess is how much you're willing to pay in the event you need to make a claim. Typically, increasing the excess reduces the cost of your policy. But, just make sure you can afford to pay your excess if you need to make a claim.