Picture Your Team Protected Wherever Business Takes Them

Keep Your People — and Your Business — Protected on the Road

Picture an employee facing a medical emergency in a foreign city. Now picture the quiet relief of one phone call solving it. When your people travel for business — across the state or around the world — they face risks your standard group health plan and personal insurance simply weren't built to cover. Business travel insurance closes those gaps with protection designed specifically for corporate travelers, so a setback on the road never stops your business at home.

As an independent broker representing 142+ top-rated carriers, we're loyal to you, not one company. We design business travel programs that cover medical emergencies, trip disruptions, lost luggage, and emergency evacuations — then shop them across the market to find the right coverage at the best value. From a single trip to an annual global travel program, you'll see exactly what your team is protected for before you commit to anything.

Business Travel Coverage Types

Medical Coverage While Traveling

Here's the gap most owners don't see until it's too late: many employer group health plans offer limited or no coverage outside the United States, and even domestic plans have narrow networks that don't extend to every state. Business travel medical coverage closes that gap, giving your employees comprehensive medical benefits wherever they go, including international destinations, with direct billing to the carrier whenever possible.

Coverage typically includes emergency room visits, hospitalization, physician care, prescription medications, outpatient surgery, and emergency dental treatment. Limits generally run $250,000 to $1,000,000 per person per trip, with low deductibles and no balance billing for covered services. Imagine your employee getting care immediately — no scrambling for upfront cash, no decoding a foreign healthcare system alone.

Emergency Evacuation & Repatriation

This is the coverage you hope to never use — and the one you'll be most grateful for if you do. If an employee suffers a serious illness or injury and adequate medical facilities aren't available locally, evacuation coverage arranges and pays for transportation to the nearest appropriate facility, often by air ambulance with a medical escort. In the worst case, it covers repatriation of remains to the employee's home country, sparing a grieving family an unthinkable burden.

Evacuation limits typically range from $100,000 to $500,000 per person, with a 24/7 assistance provider handling every detail — from dispatching the medical team to coordinating ground transportation. We recommend evacuation coverage for any employee traveling internationally or to remote domestic locations where medical infrastructure may be thin. Protect your people for the moments that matter most.

Trip Cancellation & Interruption

Plans change — and when they do, you shouldn't have to eat the cost. Trip cancellation and interruption coverage reimburses your business and your employee for non-refundable travel expenses when a trip is cancelled, delayed, or cut short for a covered reason. Those 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 for an urgent business matter.

Coverage includes airline tickets, hotel reservations, rental cars, conference registration fees, and other prepaid expenses. If a trip is interrupted, the policy also covers the extra transportation needed to get your employee home early. Many annual travel programs build trip cancellation in as a standard benefit, so every business trip is covered without per-trip paperwork — one less thing for you to track.

Baggage & Personal Effects

A lost bag shouldn't derail a deal. Baggage coverage protects the 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 sub-limits for high-value items like laptops and cameras.

Baggage delay coverage reimburses emergency essentials — toiletries, clothing, a phone charger — if luggage is delayed more than 12-24 hours, so your employee can stay focused on the work, not the wait. Standard limits run $500-$2,000 for baggage loss and $200-$500 for baggage delay. Bundling this into the full business travel program is typically more cost-effective than buying separate travel insurance trip by trip.

24/7 Travel Assistance Services

Beyond the coverage itself, every business travel policy includes a 24/7 travel assistance hotline. Think of it as a concierge in your employee's corner — helping them find an English-speaking doctor, arrange an emergency cash advance, replace a lost passport, translate medical documents, or get a legal referral if they're detained abroad.

This service alone can be worth the entire premium. Picture an employee with 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 dispatches help right away. We help you choose carriers with the strongest assistance networks — global coordination centers staffed by multilingual teams with vetted provider directories worldwide — so help is always one call away.

Corporate Travel Programs

There's no one-size-fits-all answer — so we tailor your program to how often and where your team actually travels. Three structures cover almost every business:

• 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.

Talk it through with us and we'll look at your team's travel patterns, destinations, and risk factors together, then recommend the structure that fits — no guesswork, no pressure. Most businesses find an annual multi-trip program delivers the best value: unlimited trips, consistent limits, and no per-trip enrollment to manage.

Frequently Asked Questions