business trip travel insurance

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The Best Business Travel Insurance (2024 Guide)

Business travelers need travel insurance cover potential unexpected delays, cancellations, interruptions or baggage loss.

in under 2 minutes

with our comparison partner, Squaremouth

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Travel insurance for business travelers covers specific needs that may differ from personal vacations. For example, you may need an insurance policy to cover a laptop or other business equipment and a rental car. Trip insurance can also provide peace of mind that you have coverage while traveling so you can focus on work.

We at the MarketWatch Guides Team have researched the best travel insurance companies to help you choose the right business travel insurance policy. Read on to learn more about the benefits, coverage options and cost of business travel insurance.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

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Rating Factors

Why Get Business Travel Insurance

Often referred to as corporate travel insurance, business travel insurance can protect you from financial risks and losses during work trips. While personal and business insurance products still offer trip cancellation and medical coverage, there are a few key differences compared to standard travel insurance.

Business travel often includes unique risks due to frequency, trip costs and busy itineraries that require transportation. Frequent business travelers may benefit from multi-trip or annual insurance plans, along with generous coverage limits for trip delays, lost luggage and stolen business devices. These types of trip policies can help combat financial losses related to work travel.

What Business Travelers Need Covered By a Travel Insurance Policy

Below is a list of the main policy types for business trip insurance.

Trip Cancellation and Interruption Coverage

If you need to cancel a business trip or cut it short due to disruptions, travel insurance with trip interruption and cancellation coverage can help recover non-refundable, prepaid costs. Reimbursement is subject to reasons approved by your travel insurance provider and can vary. Generally, travel insurance covers cancellations due to the following unforeseeable events:

• The insured traveler or accompanying business partner suffers a serious illness or injury
• Death of a family member
• Natural disasters
• Terrorist events
• Inclement weather resulting in canceled flights
• An unexpected legal obligation such as jury duty

Since most policies cover cancellations for unexpected or emergent reasons, business travelers may choose to upgrade their plan with cancel for any reason (CFAR) coverage . CFAR coverage is an add-on that allows you more flexibility in canceling your trip.

Baggage and Personal Belongings Coverage

Travel insurance with baggage coverage reimburses partial or full costs due to:

• Lost or damaged baggage
• Theft of valuable business equipment
• Loss of travel documents

Furthermore, most policies provide baggage delay insurance to reimburse you for purchased necessities (like clothes and cosmetics) if your luggage arrives late to your destination.

Business Equipment Coverage

It’s important to check the fine print of policy documents to ensure you have sufficient coverage for specific business equipment. Many providers offer additional business coverage as an upgrade. For example, the Allianz AllTrips Executive Plan features specific benefits for business equipment and rentals.

What Is Business Travel Medical Insurance?

Business travel medical insurance can help cover emergency medical expenses during business trips. While some private health insurance extends international coverage, government health insurance will not pay for your medical care while traveling abroad. Comprehensive travel insurance plans also include emergency medical evacuation and repatriation coverage, along with accidental death and dismemberment benefits.

Travel medical insurance typically pays emergency healthcare costs related to:

• Ambulance service
• Hospital or medical facility fees
• Emergency dental work
• X-rays and lab tests

Business Travel Insurance Cost

The cost of travel insurance depends on your provider, coverage selections and destination. Generally, travel insurance policies cost $35 to $200 per trip. However, your cost may vary if you add business-related coverage such as device protection or rental car damage. You may also have a different rate if you opt for multi-trip or annual coverage .

You can also check with your credit card company to see if you have existing coverage, or opt for coverage through your airline. We suggest requesting quotes from at least three providers before selecting a travel insurance plan.

Benefits of Business Travel Insurance

Whether you’re embarking on a single-trip business venture or you travel for work regularly, it pays to safeguard your travel investments. Business travel insurance costs are minimal in comparison to expensive last-minute cancellations or health emergencies while overseas.

Here are some of the top benefits of a business travel insurance plan:

• Financial protection against unforeseen events
• Reimbursement of prepaid, nonrefundable costs due to travel delays , interruptions and cancellations
• Coverage of lost or stolen business equipment
• Some providers offer 24/7 travel assistance services for business travelers

Tips for Choosing the Right Business Travel Policy

Most comprehensive travel insurance policies are suitable for business travelers. You may choose add-ons for extra protections, including rental car, CFAR and business rental equipment coverage. To choose the right policy, consider the below tips:

• Compare coverage options, exclusions and costs between insurance providers
• Evaluate the reputation and financial stability of each insurance company
• Look for coverage that includes loss or delay of business devices
• Consider providers that offer 24/7 travel assistance and concierge services for business travelers

Considerations for Business Travelers

Before purchasing business travel insurance, consider your personal requirements. For example, you may need coverage for pre-existing medical conditions . If you are traveling abroad, international travel or visa requirements could require valid travel insurance.

If you’re traveling with expensive electronic devices, check that your policy includes valuables or device coverage. Also, consider baggage loss coverage if you plan on checking any valuables with your bags. For regular business travel, consider purchasing multi-trip or annual insurance policies to pay one premium for multiple trips made during a specific time frame.

Is Business Travel Insurance Worth It?

Business trips often include significant prepaid costs for airfares, hotels and car rentals. It is ultimately up to you to decide if travel insurance is worth it for your next business trip. However, travel insurance for business travelers helps cover your financial investment, along with any valuable items you take with you or rent. Comprehensive travel insurance also provides peace of mind in the event of medical emergencies while you’re on business trips overseas.

Frequently Asked Questions About Travel Insurance for Business Travelers

What does business travel accident insurance cover.

Business travel accident insurance protects employees who travel frequently for work. Most policies cover accidental death or dismemberment, which typically applies to incidents that occur on common carriers in transit (like an airplane). However, some plans may include other medical benefits.

Will travel insurance reimburse expenses for a canceled business trip?

Reimbursement rates and conditions depend on your travel insurance policy. If your trip gets canceled for a reason covered by your travel insurance provider, you can claim reimbursement of prepaid, non-refundable costs, such as flights and hotels. Acceptable reasons for cancellation generally include unforeseeable emergencies like serious illness or injury.

Does travel insurance cover business equipment?

Not all travel insurance policies cover business equipment. Check with your provider to ensure you have coverage for specific business items or devices. Many companies offer upgrades and add-ons for extra coverage of valuables, along with plans specifically designed for business travelers.

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

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Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

What's the Best Business Travel Insurance?

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Travel insurance

How to find the best business travel insurance

Jennifer Simonson

Kara McGinley

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 7:22 a.m. UTC Jan. 18, 2024

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• Business travel insurance can cover trip cancellation, interruption and delay, medical and emergency evacuation, lost baggage and stolen personal belongings.
• Not all travel insurance plans cover work equipment.
• Consider buying business travel insurance if you are self-employed, traveling overseas for business or planning to add leisure time to your business trip.

While business travel insurance might not be the first thing you think of when preparing for a business trip, a comprehensive travel insurance policy can help protect you from financial loss. 

Business travel insurance may make sense for you if you are self-employed and footing the bill for your business trip, or if you are traveling internationally and are worried about the cost of medical care abroad. It may also be a smart purchase if your company won’t reimburse you for extra expenses if you experience flight delays or need to cut your trip short because of an emergency back home. 

Compare the best travel insurance offers

Travel insured.

Via TravelInsurance.com’s website

Top-scoring plan

Worldwide Trip Protector

Covers COVID?

Medical & evacuation limits per person

$100,000/$1 million

Atlas Journey Preferred

Seven Corners

RoundTrip Basic

$500,000/$1 million

What does business travel insurance cover? 

Business travel insurance bundles together several types of coverage, which typically include:

• Trip cancellation insurance.
• Trip interruption insurance.
• Trip delay insurance.
• Travel medical insurance.
• Emergency evacuation insurance. 
• Baggage insurance. 
• Death and dismemberment insurance.

Coverage types and amounts vary depending on the travel insurance plan you buy.

“Travel insurance may cover trip cancellation, trip interruption, trip delay, medical expense and baggage for both leisure and business,” says Christina Tunnah, spokesperson for World Nomads. 

“The specific outcome of a claim, however, depends on the nature of the loss,” she says. “No matter what type of policy you choose, be sure to read the policy in its entirety so you understand any limitations or exclusions.”

Trip cancellation insurance for business trips

Trip cancellation insurance can reimburse you for 100% of the insured cost of your prepaid, nonrefundable travel expenses, such as airline tickets and hotel reservations, should you need to cancel your trip because of a reason listed in your policy. 

Reasons that are acceptable for trip cancellation benefits typically include severe weather and injury, serious illness or death of you, your traveling companion or a family member. 

Some travel insurance plans, such as AIG Travel’s Travel Guard Deluxe, will allow you to cancel if your business partner is injured, becomes seriously ill or dies. The Deluxe plan also provides trip cancellation benefits for select work reasons, such as unexpected job loss, employer-initiated transfer more than 100 miles from home and being required to stay and work during the scheduled trip. 

Trip interruption insurance for business trips

Trip interruption insurance can reimburse up to 150% of your insured trip expenses when you need to end your business trip early for a reason in your policy. 

If you have a death in your immediate family and need to return home early, trip interruption benefits could cover the cost of transportation to the airport and a last-minute flight home. It can also reimburse you for nonrefundable expenses like a hotel room that you will no longer need if you cut your trip short. 

Trip delay insurance for business trips

If your connecting flight is delayed or canceled, travel delay insurance can cover the cost of unexpected expenses you incur, like a meal at the airport or a night at a hotel. 

Trip delay insurance typically has a waiting period before benefits begin, so check your policy to see how many hours the delay must be before you can file a claim. Also, look for the daily and overall maximum benefits per person. If your trip delay insurance only provides $250 in coverage per day, that might not be enough for a taxi and hotel room. 

Know more about flight cancellations: Flight cancellations

Travel medical insurance for business trips

When on your business trip, if you get hurt or sick, travel medical insurance can help pay for medical care, imaging tests, lab work, medicine and a hospital stay. This can be particularly valuable if you travel to a country where your U.S. health care plan does not provide coverage. 

Emergency evacuation insurance

If you are badly injured or become severely ill in a remote location or underdeveloped country, emergency evacuation travel insurance covers the cost of transporting you to the nearest adequate medical facility for treatment. On some occasions, this coverage pays to fly you home for treatment. It may also include coverage for repatriation of remains if you die on the trip. 

Baggage insurance

If your luggage or personal items are lost, damaged or stolen, baggage insurance can cover the depreciated value of your belongings. This is typically secondary insurance, which means you’d have to file a claim with your airline or homeowners insurance first.

Baggage delay coverage can reimburse you for extra expenditures if you are without your bags for a period of time. There is usually a waiting period, such as six or 12 hours before benefits begin. If your bags still haven’t arrived after the waiting period, you can buy replacement items and file a claim for reimbursement. Be sure to note the maximum coverage limit per person as baggage delay coverage might only be a few hundred dollars.  

Many travel insurance plans do not include coverage for lost business equipment, so be sure to read your policy for exclusions. 

Death and dismemberment insurance

Business travel insurance often includes accidental death and dismemberment insurance. This might cover death or dismemberment that happens while traveling on public transportation, that results from a common carrier accident, that happens in any way except on a common carrier or that occurs at any point during your trip. Read your plan for details. 

What to look for in a business travel insurance plan

Business travelers should look for plans that include coverage for rental cars, business equipment, travel delays and trip cancellations. 

While most trip cancellation insurance policies cover emergency situations like the death of a family member or severe weather, some policies also cover business-specific cancellations. 

The Explorer plan from World Nomads, for example, includes trip cancellation coverage for certain business reasons, such as your company’s acquisition, merger or bankruptcy, physical damage to your company from a natural disaster, vandalism or theft and a requirement to stay by your boss. 

If your business trip requires you to travel with equipment, make sure it is covered under your policy. 

Allianz offers an annual AllTrips Executive insurance plan that covers both personal and business travel for an entire year. The AllTrips Executive Plan offers benefits for business equipment. If your business equipment is lost, stolen or damaged, Allianz will reimburse reasonable costs for equipment rental, replacement or repair. The policy covers up to $1,000 for replacement or repair and up to $1,000 for business equipment rental, per person, per trip.

Not all insurance plans cover work equipment. Insurance providers like World Nomads exclude coverage for professional equipment. If your bags are stolen, your personal belongings may be covered but your work devices or work-related gear like samples or trade show materials would not be, Tunnah says. 

Do you need medical evacuation insurance? 

Medical evacuation insurance is a good idea if you are traveling abroad to remote islands or regions of a country that have limited medical facilities or staff, says Scott Adamski, AIG Travel’s Head of Global Product Development. 

If this were to happen on your business trip, you might be close enough to get to a local clinic, but it might not be sufficient if the injury sustained requires advanced imaging or emergency surgery. In that case, you would need to be quickly transported to the nearest metropolis. 

Having medical evacuation insurance would be critically important because the costs associated with medical evacuations are expensive. 

“Even just from the Caribbean to Miami, an air ambulance will come with a five-figure cost, and we have seen many evacuations that land in the six figures. Because payment has to be confirmed before the air ambulance will even take off, travelers need to consider where the funds would come from,” Adamski says. 

He adds that while some group health policies offer coverage for evacuations, they may come with a coverage limit of $5,000 to $10,000. In the case of a $100,000 evacuation, you might be responsible for the balance. Facing such a financial burden while trying to get home could be overwhelming. A travel insurance plan with sufficient medical evacuation coverage would be vitally important in a case like this.

Most comprehensive travel plans include coverage for emergency medical transportation, but coverage amounts are typically lower in the more basic plans. If this is important to you, look for a plan with a high coverage limit.

Travel insurance company Travel Guard offers a coverage enhancement called “Medical Bundle” that doubles the coverage limits for medical expenses and evacuation on certain travel insurance products.

Frequently asked questions (FAQs)

Travel insurance covers your financial investment in a trip and extra money you spend because of unforeseen events that happen before and during your trip. 

A comprehensive travel insurance plan will include several types of coverage, including trip cancellation , trip delay, trip interruption, emergency medical care, emergency medical evacuation, baggage delay, and loss. 

When comparing travel insurance plans, look for what is covered and excluded from coverage, the daily and maximum coverage amounts, and the waiting times before coverage begins.

Travel insurance policies typically exclude routine physicals and dental care, elective medical procedures, mental health care, routine pregnancy, and injuries sustained during high-risk activities such as rock climbing or scuba diving. 

If you want coverage for extreme activities, look for a plan that offers an adventure sports upgrade, such as the Travel Guard Deluxe plan.

Business travel insurance can help protect you from unexpected incidents during a work trip such as travel delays or interruptions, lost luggage, and medical emergencies. 

It can be smart to buy business travel insurance for a business trip, even if your company is paying for your travel. Here are a few reasons why:

• Your company might not pay for a last-minute, one-way plane ticket if you need to cut your business trip short because of a family emergency back home.
• Your company might not pay your medical bills if you get sick or hurt while on a business trip abroad.
• Your company might not reimburse you if your personal belongings are lost or stolen while on a business trip.   

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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• Help and Support

Business travel insurance

Article contents.

Tegan Oldfield

3 August 2023 | Updated 20 October 2023 | 5 minute read

Travel insurance might not be the first thing that comes to mind when planning a business trip. However, having the right policy could be helpful if your journey is delayed, cancelled or affected by issues like lost baggage.

Here’s everything you need to know about choosing the right business travel insurance.

What does business travel insurance cover?

Business travel insurance should cover a range of things.

Personal possessions

Gadgets like laptops and phones are often a major component of business travel. If you’re taking a few high-value tech items, adding gadget insurance to your policy will cover your gadgets if they’re lost, stolen or damaged on your trip.

Remember to check if the insurer covers items owned by the business or only items owned by yourself.

It’s highly recommended that you back up any essential data on an external hard drive and carry it in a separate bag.

Most policies won’t cover you for lost data – and if a business contract is riding on a presentation that’s on a misplaced laptop, the consequences could be costly.

Cancellations and delays

Cancelled or delayed flights could be an issue if you have important meetings. 

A good travel insurance policy includes protection for these types of disruption, paying for additional accommodation and travel if your journey doesn’t go to plan.

In some cases, you can also recover the costs of unused deposits, hotels, excursions, or other pre-booked expenses from your insurer.

Medical expenses

If you have to cancel your business trip because of ill health, you should get your money back  for your flights and accommodation. 

Bear in mind that you might need to provide proof from a doctor that you’re unfit to travel.

Also, if you become seriously ill while on your business trip, a travel insurance policy will pay for emergency medical treatment and repatriation (getting you home). 

Check whether you already have cover 

Some companies offer insurance as part of their employment package, so check that you’re not already covered before taking out travel insurance.

If you’re self-employed, then you’ll need to arrange your own travel insurance. 

If you’re working with a business who’s paying for your travel and accommodation, they may organise a travel insurance policy for you also. 

How is business travel insurance different?

You can find specific policies tailored to the needs of business travellers, although generally, standard travel insurance policies can be used for both holidays and business trips.

Check the exclusions for business use in your policy. Our policies cover you for both leisure and business trips (excluding any manual work),  but other insurers may not.

Cover for activities on your business trip  

Your business trip might also involve some networking and socialising activities.

If you’re playing golf with potential clients for instance, golf equipment is covered on your standard policy.

We cover you for personal accidents and liability when doing various sports and leisure activities, including golf, cycling, fishing and yachting (as long as it’s inside territorial waters).

If your skiing or snowboarding, you can upgrade your cover to include winter sports insurance .

Annual versus single-trip insurance

If you travel abroad for business trips several times a year, an annual travel insurance policy might be more cost-effective.

As well as working out cheaper than multiple single-trip policies , an annual policy means you can arrange business trips without worrying about sorting insurance each time.

Our annual multi-trip insurance covers you for unlimited trips lasting up to 31 days at a time as standard.  

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What Business Travel Insurance Is And Why To Get It

Travel insurance — what it is and why you should consider getting it.

Business travelers are well acquainted with all the things that could go wrong on a business trip. Flight cancellations. Lost luggage. Weather delays. Whether it's domestic or international travel, it's good to be prepared for some level of inconvenience along the way. But for business travelers, any travel delay can mean a missed sales opportunity or a disappointed customer. It’s not just an inconvenience — there can be serious business ramifications.

The responsibility for mitigating the impacts of these risks on the business falls on the travel manager. Every flight cancellation or rescheduled itinerary potentially costs your company money in non-refundable tickets or extra change fees. This responsibility extends beyond keeping an eye on expenses. The travel manager’s job is to ensure the wellbeing of travelers, especially when traveling internationally.

Business travel insurance is one way to mitigate the financial impacts of the unexpected and provide peace of mind for you and your travelers. It eases the stress of dealing with unexpected travel changes and protects you from certain financial risks and losses that can occur. This goes beyond flight cancellations and baggage delays. Let’s say you have a medical condition and your doctor advises you cancel your trip. Without travel insurance, any non-refundable fees that you’ve already paid would be lost.

That’s why Egencia has partnered with Allianz Global Assistance to provide air travel insurance — and peace of mind — to travelers who book their business trips through our platform.

Why you need a travel insurance plan

Every traveler has encountered cancellations and baggage delays at some point. A single trip can be compromised if there are multiple layovers with international travel. But there are many other risks that can impact business travel.

• Flight delays and last-minute cancellations cause you to miss important meetings.
• Severe weather shuts down travel routes, preventing you from arriving at your destination on time.
• An injury or other medical condition forces you to cancel or reschedule a planned trip.
• Serious illness while traveling could involve emergency medical evacuation or even a last-minute change to your trip to get you out of the country.
• Checked luggage containing important business equipment, presentation materials or personal items like credit cards doesn’t arrive on time or gets stolen.

We live in a dynamic, unpredictable world. It’s not a question of if it’s going to happen, but when it will happen. Business travel insurance can reimburse you for non-refundable money spent on air travel or hotels. It can also reimburse the costs of emergency medical treatments when your people are on the road. The key is to make sure you have the right kind of travel insurance plan.

How, when and where to get travel insurance

You don’t want to wait too long to purchase travel insurance. The best time to buy is when you book your business trip.

When you book business travel through Egencia, you're given the option to purchase business travel insurance provided by Allianz Global Assistance. Allianz Global Assistance is an Egencia Advantage Partner and provides travel insurance plans that protect travelers within the U.S. with up to 28 covered reasons for trip cancellation. Allianz also provides coverage in 15 countries in EMEA. Their assistance team is ready to help travelers on the road find help while traveling 24/7, any day of the year. Some of the items covered include:

• Trip cancellation
• Trip interruption
• 24/7 travel and emergency assistance
• Travel and baggage delay

With these options available right in the booking tool, Egencia integrates travel insurance protection along with the other details of an itinerary. For travel program management purposes, all information is in one portal.

Beyond travel insurance

There are other programs that can also provide some reimbursement protection when travel insurance isn’t requested or available. For instance, travelers in the EU who book their itinerary through Egencia can use AirHelp to aid with cancellations or delayed EU flights. While it’s not an insurance policy, AirHelp is a program that allows you to recoup some air travel expenses when disruption happens.

Egencia can help you find all the resources you need to manage a successful travel program.

Terms, conditions, and exclusions apply. Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A-” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101 -C series or 101-P series, depending on your state of residence and plan chosen. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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WHAT IS IT?

Business travel insurance provides coverage for people who travel for business.

Business travel insurance is a specialized insurance product designed to protect individuals and organizations when employees or business travelers embark on trips for work-related purposes.

This type of insurance provides coverage for a range of unexpected events and expenses that can arise during business travel, ensuring that both the traveler and the company are safeguarded against potential financial losses and disruptions.

Business Travel Insurance Plans Are Great For:

Corporate leaders and executives

Employees on international assignments

Business owners and entrepreneurs

Independent consultants and freelancers

Sales and marketing professionals

What are the Benefits of Business Travel Insurance?

Medical coverage.

Provides reimbursement for unforeseen incidents that might potentially disrupt your journey, including trip cancellations, interruptions, delays, lost luggage, and more.

Trip Coverage

Visa application support.

Facilitates your visa application process by providing evidence of comprehensive coverage, particularly as a required document for Schengen visa

Eligible Medical Expenses

Hospitalization

COVID-19 / SARS-CoV-2

Physician Visits/Services

Prescription Drugs and Medications

Trip Interruption

Lost Baggage

Identity Theft

Personal Liability

Natural Disaster

Emergency Medical Evacuation

Emergency Local Ambulance

Emergency Reunion

Accidental Death & Dismemberment

* Note : The benefits of travel insurance will depend on the specialized coverage package you choose.

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What are the benefits of business travel insurance?

Business travel insurance provides numerous advantages to both employers and employees. It encompasses features such as trip cancellation and interruption protection for unforeseen events, emergency medical coverage for illnesses or injuries, compensation for travel delays and related expenses, coverage for lost or delayed baggage, personal liability coverage, and even accidental death and dismemberment benefits. Beyond financial protection, business travel insurance provides employers and employees with peace of mind, allowing them to focus on their work with confidence, knowing they are prepared for unexpected situations while away on business.

When to Buy Business Trip Travel Insurance?

When to purchase business trip travel insurance depends on a variety of factors, but it is generally recommended to do so as soon as your business trip is confirmed. Ideally, you should purchase insurance as soon as you book your trip, especially if you have made non-refundable payments for flights and accommodations. Purchasing insurance well in advance of your trip provides coverage for unforeseen events such as medical issues or work-related conflicts that may arise before your departure.

How much is International business travel insurance cost?

The cost of international business travel insurance is not fixed and can vary significantly depending on a number of important factors. These considerations include the age of the traveler, the length of the trip, the level of coverage desired, and the presence of any pre-existing medical conditions. In general, younger travelers can obtain coverage at a lower cost, whereas older travelers must pay higher premiums. To get an accurate cost for international business travel insurance, get quotes from Travelner Insurance and consider these factors to find a policy that meets both your needs and your budget.

How to find the travel insurance for business travelers?

To find travel insurance tailored for business travelers, you can take several steps. Start by searching engines and travel insurance comparison websites for a list of insurance providers who provide coverage for business travelers. Compare policies from different providers, considering coverage inclusions and exclusions, deductibles, and costs to ensure they align with your specific business travel needs. Don't hesitate to reach out to insurers directly with any questions. If you're uncertain which policy to choose, consider consulting a travel insurance expert at Travelner Insurance for advice.

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What is business travel insurance.

Unexpected issues can arise on business trips. If you or your employees regularly travel for meetings, special events, or other business-related tasks, travel insurance may be a worthwhile investment. Read on for a guide about what this type of insurance covers and how it benefits businesses.

What Exactly is Business Travel Insurance?

Business travel insurance is one of the most important types of business insurance for frequent travelers. There are numerous plan types available, so coverage varies. However, it generally covers unexpected issues that arise during trips.

How Does Travel Insurance for Businesses Work?

Corporate travelers often incur unexpected expenses like medical care, evacuation, or lost or damaged belongings. Travel insurance covers many of these costs to keep expenses predictable for businesses. Typically business travel insurance can be purchased when booking a trip or a few weeks before leaving. However, some providers offer annual policies for those who travel frequently.

Why Business Travelers Should Take Out Travel Insurance

Many business travelers incur unexpected costs during trips. Here are some ways travel business insurance benefits users:

• Reduce financial losses: Even just one serious issue that arises during a trip may lead to major expenses for a business. Insurance may reduce the overall costs for a company by avoiding the need to cover things like medical evacuations or lost equipment.
• Keep costs predictable: Though travel insurance for business does increase the cost of each trip, it is paid upfront and at a rate that is easy to budget for. This makes planning business expenses easier throughout the year, rather than waiting for unexpected travel issues to arise.
• Maintain flexibility: Many business travel insurance plans include cancellation coverage. This may allow your business to reschedule trips if something else comes up that is more beneficial.
• Improve travel safety: Many plan details also cover medical care or evacuation. This can improve the health and safety of your team while traveling.
• Provide peace of mind: Even if nothing serious does arise, knowing that you have coverage provided can reduce stress and make business travelers more comfortable.

What is Covered by Small Business Travel Insurance?

Insurance for business travelers can vary by plan and provider. However, there are several main categories that are often included.

Trip Cancellation

Trip cancellations that are made within the allotted time period and for a covered reason may be refunded with this type of coverage. For example, if the event you were traveling for gets canceled, you shouldn’t have to worry about covering the fare.

Medical Care

Medical expenses can really add up, especially during travel. If you or a team member requires emergency medical care or emergency medical evacuation during a trip, this type of coverage should kick in, especially in areas that aren’t covered by traditional medical insurance.

Disruptions

Disruptions like flight cancellations or lost luggage can require extra hotel stays or purchases. Your insurance plan may cover these additional costs, as long as they result from uncontrollable issues like canceled flights.

Business Equipment

If you’re traveling with expensive business equipment, loss or damage may be covered by business traveler’s insurance. For example, if the samples you’re bringing to a trade show are lost by the airline, travel insurance may pay to replace them.

If business travelers need to be evacuated due to an extreme weather event, terror attack, or another uncontrollable issue, many plans cover getting to a safe location.

Read More: how much does business insurance cost

What is Not Covered by a Business Travel Insurance Plan?

Plans vary, but here are common expenses that are generally not included in business traveler’s insurance:

Pre-existing Medical conditions

If a traveler has a known medical condition before the trip, most insurance policies will not cover any complications or medical treatments arising from that condition while traveling.

Known Disasters or Pandemics

If there’s a disaster or pandemic that was known or forecasted before booking the trip, the insurance might not provide coverage. For instance, if a hurricane or viral outbreak was predicted before making travel arrangements, the policy might exclude related cancellations or disruptions.

Missed Flights Due to Personal Errors

If you or your team member misses a flight because of personal mistakes like misreading the flight schedule or arriving late at the airport, the insurance typically will not cover the costs of rebooking or accommodations.

Flights Purchased with Loyalty Points

In most instances, if you’ve booked your travel using frequent flyer miles or loyalty points, the insurance might not reimburse the full monetary value of the ticket. They might, however, offer to reinstate the miles or points.

How Much Does Business Travel Insurance Cost?

The cost of business travel insurance plans varies based on the cost and location of each trip, but many fall around 5 percent of the total trip cost. Certain destinations where medical care or evacuation cost extra may come with added costs, and businesses traveling with expensive equipment may also pay more for policies.

How to Choose the Best Business Trip Travel Insurance

The best business travel insurance varies based on your company’s needs and budget. However, here’s a guide to help you get the most relevant coverage.

• Consider the type of travel: Domestic and international travel come with different concerns. For example, you may be more concerned about medical coverage for international trips if your medical insurance doesn’t cover care overseas.
• Add up the number of business trips: If you take multiple trips each year, consider annual travel insurance to avoid paying separately for each trip.
• Weigh your biggest concerns: If you’re on a tight budget, you may have to choose between coverage for flight delays or lost equipment. Consider what’s most likely to occur or what would cost your company more.
• Look at coverage limits: Policies have maximum limits on what they’ll reimburse for each category. If you travel with expensive equipment, make sure your policy will actually pay the full amount if it is lost or damaged.
• Look for 24-hour assistance services: If your provider has an administrative office that is always available to answer questions, you may be more likely to get the coverage you need quickly.

How to Get Travel Insurance for Your Business

If you’re ready to get insurance coverage for your next business trip, here’s how:

• Book your trip: Most travel insurance is booked for a specific trip. And the cost is calculated based on the arrangements. If you’re looking for annual travel insurance, skip this step.
• Find a provider: Your business insurer may offer travel insurance, so check with them first. Other major travel insurance providers include Allianz Travel Insurance products, Generali Global Assistance, Nationwide, and The Hartford.
• Consider coverage options: These providers may offer different types of plans for various expenses like emergency evacuation or trip interruption, so consider your biggest concerns when selecting a plan.
• Compare quotes: You may also compare providers or plans based on your budget. Tools like TravelInsurance.com make it easy to compare rates.

The Benefits of Business Travel Insurance for Employee Morale

• Boosting Employee Confidence : Business travel insurance can significantly enhance employee morale and confidence. Knowing they are covered in case of emergencies, employees are likely to be more at ease and focused during their business trips.
• Supporting Employee Well-being : Travel insurance that covers medical emergencies, evacuations, or disruptions, shows employees that their well-being is a priority for the company. This can lead to increased loyalty and job satisfaction.
• Encouraging Willingness to Travel : Employees who might be hesitant to travel, especially internationally, may feel more comfortable knowing they have comprehensive insurance coverage. This willingness can open more opportunities for business expansion and networking.
• Stress Reduction : Travel, especially for business purposes, can be stressful. Insurance that covers unexpected situations like flight cancellations, lost luggage, or medical emergencies can significantly reduce this stress, allowing employees to focus on their work objectives.

Aligning Business Travel Insurance with Company Travel Policies

• Integrating Insurance with Travel Policies : For maximum effectiveness, business travel insurance should be an integral part of the company’s overall travel policy. This ensures uniformity in coverage for all employees and adherence to the company’s risk management strategies.
• Customization Based on Travel Patterns : Businesses should customize their travel insurance based on the frequency, nature, and destination of employee travel. For instance, companies with frequent international travel may prioritize policies with extensive medical and evacuation coverage.
• Policy Awareness and Training : Ensuring that employees are aware of the travel insurance policies and understand how to use them is crucial. Regular training sessions can be conducted to inform employees about the procedure to claim insurance and whom to contact in case of emergencies.
• Review and Update Policies Regularly : Travel risks and business needs can change over time. Regularly reviewing and updating the travel insurance policy to align with current risks and travel trends is essential for continued protection and relevance.

The Impact of Business Travel Insurance on Company Finances

• Cost-Benefit Analysis : While business travel insurance comes with a cost, it’s important to conduct a thorough cost-benefit analysis. Compare the potential financial risks of uninsured travel incidents against the insurance premiums to determine if the investment is justified.
• Financial Protection in Emergencies : Insurance can safeguard the company’s finances against significant unexpected expenses during business travel, such as medical emergencies or legal issues.
• Budget Planning and Forecasting : Including travel insurance in the annual budgeting process can aid in better financial forecasting and planning. It provides a clearer picture of the total cost of business travel over a year.
• Long-term Financial Stability : Investing in comprehensive travel insurance can contribute to the long-term financial stability of the company by avoiding sudden financial setbacks due to travel-related incidents.

How Business Travel Insurance Enhances Corporate Responsibility

• Demonstrating Duty of Care : Providing business travel insurance is a tangible demonstration of a company’s duty of care towards its employees. It shows a commitment to safeguarding their well-being while they represent the company.
• Aligning with Corporate Ethics and Values : Companies that prioritize the safety and security of their traveling employees through comprehensive travel insurance align with high standards of corporate ethics and values.
• Building a Responsible Corporate Image : Companies known for taking good care of their employees, especially in situations like business travel, tend to have a positive corporate image. This can be beneficial for brand reputation and employee attraction and retention.
• Fostering a Culture of Safety and Well-being : By integrating business travel insurance into the company’s policies, businesses foster a culture that values safety and well-being. This culture can extend beyond travel to other aspects of the business, contributing to a healthier and more productive work environment.

Does Travel Insurance Cover Going out of Business?

If an airline, accommodation, or tour company goes out of business after you’ve booked with them, the cost may be covered by travel insurance. However, the business must be a covered supplier through your insurance company.

When Should you Buy Business Travel Insurance?

Purchase business travel insurance as soon as possible after booking a trip. This ensures that changes or cancellations are covered — you cannot get reimbursed if you purchase travel insurance after these changes are made. In most cases, buying insurance at least two weeks before a trip is sufficient.

Read More: best small business insurance companies

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Key takeaways

• Business travel insurance reimburses particular unexpected expenses or financial losses you suffer before or during a trip for work.
• A travel insurance policy usually covers things like trip cancellation/interruption, medical costs, lost baggage, travel delays, lodging expenses and more.
• Costs for business travel insurance often run between 5 and 7 percent of the trip's total expense.
• If you have a business travel credit card, however, you likely already have at least basic travel insurance under its policy, so you might not need to purchase any additional coverage.

A lot can go wrong before or during a faraway meeting, out-of-state conference, remote office visit or other planned business trip. The airport can lose or damage your luggage, your travel plans may need to be canceled suddenly due to a personal emergency, or you could simply get sick while away from home.

For these and other reasons and more, it’s smart to consider getting business travel insurance . This coverage should safeguard you financially if you incur a covered setback prior to or while you’re traveling for work .

This guide will help you find out more about business travel insurance, how it works and what’s covered, as well as who should get business travel insurance and whether this level of coverage is worth it.

How does business travel insurance work?

You have insurance for your home, car and health care. You might even have life insurance coverage. But where do you turn if you want to protect yourself financially from a business trip setback? Fortunately, you can purchase business travel insurance, also called corporate travel insurance or business trip insurance.

“Business travel insurance is insurance coverage specifically designed to protect individuals traveling for a business-specific reason. It offers comprehensive protection against unexpected incidents and expenses that can occur during a business trip,” explains Mark Friedlander, director of Corporate Communications for the Insurance Information Institute in St. Johns, Florida.

Consider that many expenses related to an upcoming business trek have to be paid well in advance and are not refundable. That means if something happens that prevents you from traveling, you could be on the hook for hundreds if not thousands of dollars. That’s where having business travel insurance comes in handy.

“You can purchase a single-trip policy, which covers expenses that arise on a single trip — usually between travel dates specified in advance,” Andrew Schrage, CEO of Money Crashers in Boston, notes. “Or, you can choose an annual or multi-trip policy that covers any eligible expenses that arise during the policy’s effective period — usually one year — regardless of how many trips you take during that time.”

What does business travel insurance cover?

Here’s what a standard business travel insurance policy typically covers, per Friedlander:

• Trip cancellation/interruption costs
• Expenses related to travel delays
• Medical bills incurred while traveling, including those related to COVID-19
• Missed connection assistance expenditures
• Costs and hassles related to lost baggage
• Car rental and lodging expenses

Stan Sandberg, co-founder of TravelInsurance.com, says many consumers opt for business trip insurance for the trip cancellation/interruption protections offered.

“Standard trip cancellation coverage will reimburse non-refundable, prepaid costs if an insured traveler has to cancel for a wide range of reasons, including getting sick unexpectedly,” he says.

Coverage for medical emergencies and health care away from home are other popular standard features in most plans.

“This is especially valuable for employees traveling abroad, where regular medical insurance might not apply. And individuals with chronic conditions can find coverage for flare ups during travel by declaring them before the business trip,” says Justin Albertynas, a travel industry expert and CEO of RatePunk.

A business travel insurance policy doesn’t cover every possible expense, however. Among the typical exclusions are:

• Reasonably foreseen events
• Acts of war
• Declared epidemics and pandemics (by the World Health Organization and/or U.S. Centers for Disease Control and Prevention)
• Travel restrictions imposed by a government entity.

Who should get business travel insurance?

Good candidates for purchasing business travel insurance include those who frequently travel for work but are not already covered by their employer.

“As most large employers most likely have travel insurance plans in place to cover their employees’ work-related travel, individual business travel insurance plans are typically targeted to independent contractors and small business owners,” adds Friedlander.

Examples of business travel insurance in action

Here are three hypothetical scenarios that underscore the value of having business trip insurance:

1. You need to cancel your trip last minute

“Let’s say you have a single-trip business travel policy with trip cancellation/interruption coverage that reimburses up to $5,000 in prepaid non-refundable expenses,” Schrage explains. “The day before your flight, an immediate family member has a medical emergency and you need to cancel your trip to care for them. If you paid $500 for round-trip airfare, $1,000 for a five-day hotel stay, and $300 for a five-day car rental, your insurer should honor a claim for $1,800 total, as long as the expenses are fully paid and not refundable by the vendor under any circumstances.”

2. You get into a medical emergency

“Imagine an employee traveling for business in Germany who unexpectedly falls ill and requires medical attention,” Albertynas says. “The incurred expenses may include a doctor’s consultation, prescription medications, hospital stay and necessary medical tests. In this scenario, the employee’s total medical expenses could add up to €1,950 or more. Business travel insurance could cover these costs, ensuring that the employee is not burdened by unexpected medical bills during their trip.”

3. Your baggage is delayed

Assume your suitcase gets lost or delayed by the airline and you need to pay extra money out of pocket for clothing, medicine and toiletries. Your policy should cover your expenses up to a predetermined amount. “Just keep in mind that business travel insurance policies often have a waiting period before coverage begins for baggage delays — typically around 12 hours,” Albertynas continues.

The average cost of business travel insurance

Business trip insurance policies commonly run approximately 5 percent to 7 percent of the total cost of your trip. “For example, travel insurance for a $3,000 business trip would cost between $150 and $180 in premium for the policy,” Friedlander says.

What you will pay will depend on the type of policy, your destination, coverage inclusions, your age and other factors. Schrage adds, “Basic trip interruption/cancellation coverage can cost as little as $10 to $20 per day, while more comprehensive policies can cost $50 or more per day. Policies that cover voluntary cancellations, known as CFAR policies, cost 50 percent to 100 percent more than policies that cover involuntary cancellations only.”

Choosing a higher deductible can lower your premium, but you’ll pay more upfront if you have to make a claim.

“Opting for a $200 deductible, for example, means you will pay that amount before coverage starts. Co-pays, co-insurance and out-of-pocket expenses refer to costs beyond the coverage limits,” Albertynas says. “It’s important to carefully review all policy details and premium quotes and understand the trade-offs involved so you can select the right plan while balancing your premium, deductible and additional expenses.”

Do credit cards offer business travel insurance?

Getting trip insurance is almost always a smart idea. But the truth is, it might be an unnecessary expense if you already have  free coverage included with your credit card , which some cards provide.

“Many business credit cards provide generous business travel coverage at no out-of-pocket cost. As long as you use your credit card to pay for eligible travel expenses, this is a better deal than buying a policy separately,” advises Schrage.

The most common types of coverage included in business travel insurance provided by a credit card are trip interruption/cancellation, accidental death and dismemberment, and rental car loss/damage.

“Before assuming your trip is covered in full, look at the limits for each coverage type and do the math. For example, if the non-refundable portion of the trip costs $10,000 and your policy only provides $5,000 in interruption/cancellation coverage, you’ll pay at least $5,000 out-of-pocket,” Schrage cautions.

The bottom line

Acquiring business travel insurance is worth it if you frequently travel for work — especially if you spend a lot on business trips, travel abroad or to riskier countries and don’t already have coverage provided by your employer or a travel credit card .

“But all business travel policies are not the same,” adds Friedlander. “It’s wise to read the fine print of your policy so you have a clear understanding of what’s covered and what’s excluded.”

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Business Travel Insurance

What is business travel insurance? 

If you’re planning a business trip, you should make sure you’re protected in case something doesn’t go to plan. With our business travel insurance policies, you can choose the perfect cover for you. Whether you're travelling once or taking multiple trips, heading to Europe or visiting further afield, our business travel insurance is appropriate for most travellers.

By purchasing travel insurance for your business trip, you can take the unnecessary worry out of travelling, so you can concentrate on the job at hand. Our specialist business travel insurance is designed with professionals in mind. That’s why we include cover for business equipment, alongside medical expenses, loss and cancellation. This way, you can rest assured that should anything unexpected happen, the essentials will be taken care of.

As with our usual policies, you can feel safe in the knowledge that our global team of experts are on hand to provide support and assistance if something goes wrong. With over 13,000 people working across five continents and speaking 58 languages, we’ll be by your side wherever your work takes you.

Below is some more information about our insurance products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

What does business travel insurance cover? 

With our business travel insurance, you can choose between a Single Trip or Annual policy. We also have two levels of cover: Silver and Gold.

Whichever level of cover you choose, our Single Trip and Annual policies include business equipment cover, so you may not need to take out separate laptop travel insurance. We can even send a replacement business associate to complete your itinerary if you have to cut your journey short.

Business travel insurance can protect you if you need to cancel your trip before you travel, or if you need to curtail your journey. If your departure or your personal belongings are delayed, we can provide some compensation. We’ll even provide legal support to claim compensation for a fatality, or if you fall ill or are injured on your trip.

We also understand that medical cover is important. That’s why our travel insurance for business trips covers emergency medical expenses, personal accident and personal liability cover. You’ll have 24-hour access to a GP consultation service  too.

To help protect you while you’re away, our policies can cover you if you lose your passport, personal money or personal possessions. If you choose our Gold cover, you’ll also be protected against the financial failure of your end-supplier.

To see exactly what our business travel insurance policies include, please visit the  Policy Information Hub . 

The right cover to fit your needs for you and your travels

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Business Silver

Business gold, annual multi-trip silver with business, frequently asked questions.

Whether our Single Trip or Annual business travel insurance is right for you will likely depend on how often you travel.

If you’re only planning on taking one business trip this year, then our Single Trip business travel insurance is the right insurance policy for you. But, if you’re a frequent traveller and you plan on taking multiple trips, our Annual business travel insurance could work out to be a more cost-effective option.

You can work out whether a Single Trip policy or an Annual policy is best suited to your needs by getting a business travel insurance quote online.

If you’re thinking of combining business with pleasure on your trip, while many sports and leisure activities are covered as standard on our Business Travel policies, from 5th May 2021, we will not be able to provide cover while you take part in riskier Category 3 and Category 3 sports and leisure activities like kite surfing and rubgy. This is only a temporary measure while we make improvements to the booking engine of our website. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again. Policies purchased after 5th May 2021 aren't affected and your cover won't change.

If you’re likely to hit the slopes while you’re away, then we do offer  Winter Sports and Ski as an optional addition to your policy. This will provide you with protection against ski-specific risks such as avalanche closures, delayed or damaged ski equipment and unused ski-pack costs. 

How to ensure you have the right cover

Does your bank or credit card company provide cover.

Many bank accounts and credit cards come with some level of travel insurance cover. While some may be comprehensive, they may not cover you for everything you have planned whilst you’re away, particularly if you have adventurous plans or unusual excursions booked. 

Make sure you look into the travel insurance policy that you have before every trip, to make sure it’s suitable for you and your plans.

Purchasing a holiday using a credit card means you are often protected by Consumer Protection cover. In most cases, it allows you to get your money returned to you if your provider defaults and you cannot travel.

Are you covered by ABTA or ATOL?

If you have booked a holiday through a tour operator or travel agent, it may be worth checking if you are covered by ABTA (Association of British Travel Agents) or ATOL (Air Travel Organiser’s License). This type of cover means that your package holiday is protected if, for example, the travel company providing your holiday arrangements or the travel agent themselves fail financially or close down.

Your travel agents will be able to tell you if your holiday is ABTA or ATOL protected. Alternatively, use the links provided to check your cover at home.

What is an EHIC or GHIC and what can it offer you?

Get peace of mind – whether travelling for work or play – with our additional cover options.

Annual Multi-Trip Travel Insurance

Single Trip Travel Insurance

Golf Travel Insurance

Sports & Leisure Insurance

Travel Insurance for Europe

Travel Insurance for people with Medical Conditions

Get peace of mind – whether travelling for work or play – with our additional cover options .

Other products you may like 

Need help? Call us on: 0371 200 0428

Make a claim, policy documents.

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers  featured in the MoneyHelper  directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm) or Email: [email protected]

What is group travel insurance?

• Coverage options
• Choosing the right plan

Purchasing and managing group policies

• Special considerations
• Final recommendations and tips

Group Travel Insurance: A Comprehensive Guide

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Group travel insurance is a single policy that covers groups of 10 or more. 
• Everyone in the group must have the same itinerary and travel to the same destination.
• Shop early and compare quotes to get the best deal. 

Whether preparing for a large family reunion in another state, booking a business trip with colleagues, or traveling with your college crew to a new country, you might consider group travel insurance. Group travel insurance provides financial protection for trips of 10 or more groups. But apart from the party size requirements, it functions the same as other travel insurance policies. 

Here's what you need to know about group travel insurance — how to determine if you need it, different options, and tips to secure the best deal. 

Group travel insurance is a single travel insurance policy that protects everyone on a trip. The policies are available for groups of 10 or more. Unlike other insurance policies that only cover one person or family travel insurance that only covers related travelers, group travel insurance can cover any group traveling together. You do not have to be related.

Group travel insurance policies usually offer comprehensive coverage, including standard protections against lost luggage, legal fees, medical emergencies, trip cancellations, and more. 

Key Benefits of Group Travel Insurance

Cost-effectiveness.

Group travel insurance may be cheaper than buying separate policies for each individual traveler. Insurance companies may provide discounts for insuring multiple people, as this lowers administrative overhead per person. This is similar to how auto insurers offer rate reductions for consumers who insure multiple people under one policy. 

It's worth noting that group travel insurance costs depend on the insurer and your trip details. Comparing quotes can help you find the best rates on the coverages you need.

You can find our guide to the best cheap travel insurance here.

Simplified management

Group travel insurance might make sense if everyone in your group has the same itinerary and travels to the same destination. The main perk of group travel insurance versus separate policies for each person is that it streamlines the purchasing process. You can buy one policy instead of multiple.

But to make it work, your group needs to be organized. This is especially true if group members intend to split the cost of the policy. It's crucial to communicate well with the people in your group and ensure everyone is on the same page. 

Coverage Options

Common coverage features.

Most group travel insurance policies offer comprehensive coverage, which usually covers common travel issues like cancellations and medical emergencies. 

Here's what comprehensive group travel insurance covers :

• Trip cancellation insurance: If you need to cancel your trip, this coverage reimburses you for the cost of travel. Each policy includes a list of cancellation reasons that are covered.
• Travel insurance for baggage: This covers the cost of stolen or missing luggage.
• Emergency medical evacuation insurance : Covers the cost of transportation from one location to another due to an emergency medical situation.
• Travel medical insurance: If you need medical care due to illness or injury while traveling, this part of the policy covers the cost. 
• Trip interruption travel insurance: If you have to cut your trip short due to an unforeseen emergency, this helps pay for travel plan changes. 
• Trip delay travel insurance: If there are delays to your flight or another aspect of your trip, this covers extra costs associated with the delay. It might include reimbursement for meals or hotel expenses. 

Additional coverage options

You can customize your travel insurance policy with coverage options at an additional premium. These add-ons can be helpful to provide adequate coverage for your group's specific needs. Some examples include:

• Adventure and sports coverage: For planned activities that involved increased risk (e.g., hiking, scuba diving, skiing, etc.) 
• Special events coverage: For cancellations, interruptions, or other losses that occur during planned events (e.g., weddings, corporate events, excursions, etc.)
• Equipment coverage: For damage, loss, or theft of equipment or gear brought on the trip (e.g., sports equipment, tech, etc.)
• Pre-existing condition waiver : For those with pre-existing conditions to receive travel medical coverage while traveling

Choosing the right group travel insurance

Assessing group needs.

Assessing your group's needs can help you choose the right group travel insurance. Some factors to consider include but aren't limited to the duration and destination of your trip, the type of travelers and their needs (including their ages and any pre-existing conditions), planned activities, and the group's budget.

Comparing insurance providers

Depending on the details of your trip, group travel insurance might be cheaper than purchasing individual policies for each traveler. But that is not always the case. As you shop for group travel insurance, there are steps you can take to ensure you get the best deal.

Get multiple quotes

It's smart to compare quotes from several providers. Multiple quotes allow you to compare coverage options and pricing. You can use a travel insurance comparison site like SquareMouth or TravelInsurance.com. Or you can contact providers directly. Once you know the price range for protection, you can select the provider that seems like the best fit. 

The best time to buy travel insurance is right after you make your first trip deposit. Your policy kicks in right away, which is helpful if an event occurs that forces you to cancel your trip. Additionally, an early purchase can be necessary to qualify for certain riders, such as pre-existing condition coverage and CFAR travel insurance .

Application and enrollment process

You should be prepared to provide the following information about your group when fielding quotes from travel insurance companies. 

• Trip dates 
• Travelers' names and date of birth
• Destination 
• Initial trip deposit date 
• Cost of trip per traveler (prepaid and nonrefundable expenses)

Your insurance company may ask for additional information, such as pre-existing medical conditions and planned activities. 

Policy management and claims

The coverage you select applies to everyone in the group. Each group member can make individual claims, which is helpful if only one or two people need to make a claim. But if everyone is involved, the entire group can file claims. 

Special Considerations for Group Travel Insurance

Tailoring policies to group type.

It's important to tailor your insurance policy based on the type of group and the trip to ensure adequate protection. For example, if you're traveling with senior members, you want your policy's medical coverage to include pre-existing conditions. If your trip has physical or outdoor activities, adventure and sports coverage is additional protection worth considering. 

A travel insurance agent can help you identify which coverages are necessary for your group's trip and find a policy that works for your group's budget.

Handling diverse member needs

Handling the diverse needs of group members within a single policy requires careful attention to policy details, including coverage specifics and deductibles. Start by thoroughly reviewing the policy to understand the included coverages and associated deductibles. If certain coverages are unnecessary for your group, ask your insurer whether they can be removed to reduce costs. 

You may want to look for a policy with add-ons or customizable options. This allows you to tailor the coverage to meet the specific needs of different group members. Additionally, consider raising the deductible to lower the premium. However, ensure the deductible amount is affordable for all members in case a claim needs to be filed. This ensures your group has adequate protection while accommodating the diverse financial needs of the group.

Group travel insurance final recommendations and tips

Best practices for group leaders.

Before your trip, communicate insurance details like coverage inclusions, exclusions, deductibles, and how to file a claim with your group. It also helps to maintain policy documents in case an unexpected event arises. 

You and your group should also establish a contingency plan and save your insurance's emergency hotline contact number for medical emergencies, natural disasters, or other travel disruptions.

Resources for further information

For further information on group travel insurance, check out:

• Insurance companies' websites for information about coverage options, exclusions, and getting a quote. 
• Travel insurance comparison sites allow users to compare policies from multiple providers at once based on coverage, price, and other factors. Some examples of comparison websites include InsureMyTrip , Squaremouth, and VisitorsCoverage . 
• Travel agencies to help you book your trip and pick group travel insurance based on your itinerary. 
• Consumer review sites like Trustpilot and ConsumerAffairs to read first-hand testimonials by real users on their experience with a company. 

Group travel insurance FAQs

Group travel insurance typically requires a minimum of 10 travelers to qualify for group travel insurance, but this varies by provider.

Yes, many group travel insurance policies offer options for various activities specific to the group's needs and travel itinerary, such as adventure and sports, special events, and equipment coverage. 

Group travel insurance can be more cost-effective per person than individual policies, especially for larger groups. Compare quotes from various insurance providers to get the best deal on the coverages you need. 

If one member  of a group travel insurance plan has an issue, that member can file a claim with the travel insurance company individually. That's why it's important for every member to be familiar with the claims process in case an issue arises. 

A group leader should consider the group's specific needs, planned activities, destination-specific risks, and the group's budget when choosing a travel insurance policy. 

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Can You Buy Travel Insurance for Road Trips?

After spending seven years in the U.S. Air Force as an Arabic linguist, Carissa is now a freelance writer using points and miles to fund a four-year (and counting!) adventure. She previously worked as a reporter for The Points Guy. Her writing has since been featured in numerous publications, including Forbes, Business Insider, and The Balance. When she's not flying, you'll usually find her in a Priority Pass lounge somewhere, sipping tea and cursing slow Wi-Fi.

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Table of Contents

How road trip insurance works

How to choose between road trip travel insurance companies, best plans for road trip travel insurance, other tips for road trip travel insurance, top cards with travel insurance for road trips, road trip travel insurance recapped.

There’s nothing quite like breezing down a highway with the windows down, the wind in your hair and a cooler full of sodas in the back seat. Whether you’re traveling alone or enjoying a road trip with friends or family, you’ll want to be sure that you’re covered with travel protections on your drive. This is as true whether you're embarking on a classic American road trip — like U.S. Route 66 — are or braving the roadways in a foreign country, in your own car or a rented vehicle.

Let’s take a look at road trip travel insurance, how it works and the best plans for auto travel insurance to suit your needs.

Road trips aren't immune to disruptions, and road trip insurance works similarly to travel insurance . Most plans require purchase before your trip begins and cover your prepaid expenses.

For rental cars

Not all third-party travel insurance policies automatically include coverage for a rental vehicle. Seek out plans that provide rental car insurance specifically — or book your car with a credit card that offers these specific protections .

Rental car travel insurance policies generally protect against damage to the rental vehicle only. Causes not within your control, such as collision, theft, vandalism, windstorm, fire, hail or flood damage are typically covered.

Because of the limited scope of rental car insurance, know that you may be on the hook if you’re liable for damage to other vehicles or if there’s bodily injury.

When picking up your rental car, you will likely be offered the insurance sold by the rental car company at the counter, typically called a Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). You can decline this protection if you have sufficient coverage elsewhere (e.g., via a third-party policy or a credit card).

For your personal vehicle

Getting road trip insurance for your own vehicle isn't as common as travel insurance for rental cars , but it can still be a valuable consideration depending on your situation. For instance, access to roadside assistance can provide peace of mind if you are driving for long stretches in rural areas.

Finally, road tripping doesn’t end at driving a car. Other trip protections you may consider including in a travel insurance policy include medical evacuation, trip cancellation insurance, trip interruption coverage and accidental death and dismemberment (AD&D) insurance . This is true whether you opt to drive your own vehicle or rent one for your trip.

» Learn more: How to find the best travel insurance

With several travel insurance companies out there, it can be difficult to narrow down the one you really need. Before buying, always get quotes from multiple businesses.

This is because coverage levels and prices can vary dramatically. Insurance aggregators such as InsureMyTrip or Squaremouth (a NerdWallet partner) allow you to generate multiple quotes at once, plus they include filters for sorting so you can find the right policy for you.

Here are a few things to consider when looking for road trip insurance:

Whether you’re renting a car.

Where you're traveling.

Whether you already have car insurance. 

What types of coverage you’re interested in.

If you’re also planning on flying, cruising or using a ferry. 

How long you’ll be gone.

The cost of the plan.

To figure out the best road travel insurance, we combed a variety of insurance providers to check out their offerings.

Our quotes were built using a hypothetical 37-year-old from California taking a road trip throughout the United States. The total trip time was 15 days, and the total trip cost was $2,700. Here were the top contenders.

IMG’s iTravelInsured Travel SE plan came out significantly cheaper than competitors’ plans at just $100.43. This includes primary rental car coverage and a whole host of trip protections.

$40,000 in rental car coverage — $5,000 more than similar plans.

$250,000 in primary emergency medical coverage . 

Pre-existing conditions covered. 

Rental car coverage is only for collision, theft or damage to the vehicle.

$40,000 rental car coverage maximum. 

AD&D doesn’t cover strokes or any cardiac events.

HTH Worldwide

HTH Worldwide is another top option for travel insurance for car trips. Coming in at $185.29, the TripProtector Preferred plan provides up to $35,000 for rental car coverage, as well as other unique coverage options.

Covers additional kennel fees for your pet if you’re delayed. 

Includes $500,000 in primary emergency medical coverage.

Offers up to $200 to reinstate frequent traveler rewards, which is handy if you booked hotels on points for your trip.

Max of $35,000 in rental car coverage.

Repatriation of remains covers just $25,000.

Coverage excludes trucks, campers, motor bikes, recreational vehicles and exotic vehicles (defined as antique, limited production or collectible car or any other private passenger vehicle with a Manufacturer’s Suggested Retail Price over $75,000).

» Learn more: Is Cancel For Any Reason travel insurance worth it?

USI Affinity Travel Insurance Services

USI Affinity’s Diamond plan rang in at $187, just a little more than HTH Worldwide’s plan. While it includes rental car insurance, the limit is quite low, making this a better option for those who are driving their own vehicles.

Travel delay starting at six hours.

$1 million limit for medical evacuation and repatriation. 

$50,000 limit for 24-hour AD&D. 

$1,000 rental car insurance maximum.

$100 deductible for rental car insurance. 

Maximum trip length of 30 days. 

AXA Assistance USA

AXA Assistance USA is our final recommendation due to its nonmedical evacuation policy, which will transport you to safety during a natural disaster or time of political or civil unrest. This can be especially important if you plan on driving somewhere remote with unknown weather conditions. The total for AXA’s Gold plan came in at $215.

$50,000 in nonmedical evacuation. 

$35,000 in rental car coverage. 

Includes coverage for sporting equipment. 

Minimum 12-hour travel delay before benefits kick in.

$25,000 limit for 24-hour AD&D.

Max of $35,000 in rental car coverage. 

» Learn more: The best travel credit cards right now

We’ve gathered a few other tips for road trip travel insurance for you, so be sure to consider these before purchasing a policy:

Check out your own auto insurance policy. Within the U.S., your personal policy will usually also cover you when you drive a rental car.

Consider getting a travel credit card. Many travel credit cards include complimentary travel insurance as a benefit.

Secondary policies pay out after other options have been exhausted, but if you don’t have primary coverage, they automatically become primary. Keep this in mind when comparing plans. 

Waive the rental company's insurance and pay for your car with one these travel cards to get complimentary insurance on your rental and more:

on Chase's website

on American Express' website

• Primary rental car coverage: Up to the cash value of most rental vehicles.

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Primary rental car coverage: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Secondary rental car coverage: Up to $75,000.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

It’s important to ensure that you’re covered when you’re traveling, whether that’s by airplane, trains or automobiles. Depending on where you’re going, you may already have coverage — but do your due diligence and check first.

If not, consider getting a travel insurance policy that’ll cover your road trip, both for peace of mind and safety when you’re away from home.

American Express travel insurance disclosures

Insurance Benefit: Car Rental Loss & Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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Best Travel Insurance for Cruises

That peaceful ebb and flow of the waves as you drift off to sleep, the halls filled with shopping and entertainment, and the chance to see multiple destination cities all in one trip are just a few reasons why travelers love cruises. Before you set sail, consider purchasing the best travel insurance for cruises to protect your trip and finances. 

So much can happen before you board the boat that could prevent you from traveling and cause you to lose the thousands of dollars you’ve paid for the trip. Many other events can happen while aboard the ship, leading to major challenges that could be quite costly. Here’s a look at the best insurance to protect against the unknown and why you might consider a policy.

• Quick Look: Best Travel Insurance for Cruises
• Best for Managing Policy via Mobile App: Faye
• Best for Tiered Insurance Plans: Travelex Insurance Services
• Best for Plan Comparison Across Many Providers: Aardy.com
• Best for Cruising with Children: Arch RoamRight

4 Best Cancel for Any Reason Travel Insurance

1. best for mobile app to manage policy: faye.

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Cruise insurance can help, whether you want to know you’re covered in case your flight to the port is delayed or are interested in financial support for medical care while aboard the ship. Here are the leading travel insurance options designed specifically for cruises.

Download the Faye app to access 24/7 customer service for your travel insurance policy. Whether you need telemedicine with doctors to diagnose an ailment while aboard or you’re worried about missed connections with all the complex comings and goings that cruises can involve, this travel insurance is excellent.

Prices start at $5.16 per day for long trips of 14 days when your cruise includes international stops. 

Enjoy trip cancellation, delay, interruption, missed connections, lost or damaged belongings, rental car care, cancellation for any reason, vacation rental damage protection, adventure and extreme sports coverage, emergency medical, and the option to add on coverage for preexisting medical conditions.

Why We Love It: This insurance can be purchased entirely online, making it simple to purchase right after booking your travel accommodations. Then, you can switch from booking to managing your policy through digital channels. Should you need the insurance, it includes quick reimbursement for claims.

2. Best for Tiered Insurance Plans: Travelex Insurance Services

Be fully in control of the coverage options you want included with your travel insurance plan with Travelex Insurance Services. You have three tiered options to select from. This allows you to decide whether you need optional upgrades while balancing your coverage with the price to insure your trip. 

Basic coverage includes up to $15,000 for emergency medical care, $10,000 in trip cancellation and interruption insurance, lost or delayed baggage, missed connections, and 24/7 travel assistance.

Basic coverage averages $170 per trip, while Travel Select averages $240. The company is reputable and known for paying claims and providing outstanding customer service.

Why We Love It: Customize your travel insurance plan to include the coverage you want to provide peace of mind for your cruise experience. Consider your land activities and excursions so you can tailor the plan to meet your needs. 

3. Best for Plan Comparison Across Many Providers: Aardy.com

When you want to price shop your cruise insurance plan, head to Aardy.com. This marketplace lets you input your travel information and review quotes and information for many insurance providers simultaneously.

The online marketplace has an A+ rating from the Better Business Bureau. You’ll see pricing and information from the leading travel insurance providers; prices are not inflated to provide the service. Choose the best insurance plan for you based on the coverage you need and your unique travel details.

Why We Love It: With just a few clicks, you can easily compare trip insurance prices across many carriers. Then, you can purchase your insurance directly and speed up the quoting and information process to plan the fun parts of your trip, such as what excursions you’ll participate in at each port.

4. Best for Cruising with Children: Arch RoamRight 

This provides a broad overview of your policy provisions and does not revise or amend the policy. Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under policy series LTP 2013 and amendments thereto. Plans are offered and disseminated by registered travel retailers on behalf of Arch Insurance Solutions Inc., a licensed travel insurance producer* (CA License #0I18111, TX License #1787195). Both the travel insurance producer and the underwriter referenced above may be reached at 1-844-872-4163. Your policy is the contract that specifically and fully describes your coverage. Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. Please refer to your policy for detailed terms and conditions. Consumer Disclosures can be found at: https://www.roamright.com/disclosures/. Privacy policy can be found at: https://www.roamright.com/roamright-website-privacy-policy/ *Plans are solicited by licensed producers in NY and HI. 

When cruising with children, you receive complimentary coverage for one child with the purchase of adult coverage. That makes your travel insurance more affordable so you can make family memories with peace of mind.

Arch RoamRight grew out of an insurance agency, where the staff saw what customers wanted in an insurance plan. They tailored their coverage to common needs. While the plan only includes two main policy options, you’ll find standard trip insurance needs at a fair price to protect your investment in family fun. 

You’ll enjoy coverage for trip delays, cancellations, interruptions, bag delays, lost luggage, missed connections, emergency evacuations, accident and sickness medical coverage, and more.

Why We Love It: The two policy options simplify selecting your insurance coverage options, especially if you’re new to travel insurance. Adding children ages 17 and younger for free with each paying adult makes covering a family cruise more affordable.

What Is Cruise Travel Insurance?

Cruise insurance is a type of travel insurance that covers expenses like airfare and accommodations, as well as emergency medical situations. The amount of coverage included in your plan will depend on the insurance company you select and the plan tier you choose.

Some insurance coverage includes cancel-for-any-reason, allowing you to recoup costs if you can’t go on the trip for any reason. 

What Does Travel Insurance for Cruises Cover?

Travel insurance offers a variety of coverage options. Look at some coverages you might encounter as you shop for the best policy to protect your trip.

Trip Delays

Cruises involve many transfers and experiences. One small airfare delay could mean you miss the boat, and getting to the next port to board is expensive and complex. Your travel insurance can reimburse you for trip delays.

Trip Interruptions

Once you leave for your cruise, various circumstances could send you home, cutting your trip short. In case of an emergency, insurance can help pay the difference between your previously booked flight and the new one you need to get home.

Trip Cancellations

If you can’t go on your cruise for a covered reason, the insurance will refund you the expenses you’ve paid up to that point. Some covered reasons for trip cancellation include your or a close family member’s illness or a jury duty summons. 

Medical Emergencies

If you need medical care in a country where your health insurance plan is different from your travel insurance, your travel insurance will provide a financial security plan. You won’t have to foot the bill for international medical care. Some plans also cover emergency medical transportation to get you back to the U.S. for treatment. 

Lost, Stolen or Delayed Baggage

Cover your baggage if lost, stolen or delayed during your travels. This includes while it is in the care of the airline and when it is on the cruise ship. It covers replacing the items if the luggage is never returned to you or purchasing items while in port to help you get by until you get your luggage back. 

What Is Not Covered?

Travel insurance for cruises offers many outstanding coverage options to protect your financial investment and prepare for unforeseen events. However, the insurance does have some limitations. Here are some common exclusions in most plans.

• Reasonably foreseeable events that lead to cancellation or problems while on your trip
• Acts of war
• Known storms
• Government-imposed travel restrictions
• Preexisting medical conditions unless you purchase an insurance plan that includes this add-on
• Dangerous activities, such as sky diving or parasailing
• Unlawful acts
• Injuries you sustain while under the influence of illegal drugs, you do not have a prescription for

How Much Does a Cruise Travel Insurance Policy Cost?

Cruise travel insurance costs approximately 3-10% of your trip costs. The final cost of your insurance will depend on how many people you’re covering, the level of coverage you’re seeking, the ages of the travelers you’re insuring, the length of your trip, and various other unique risk factors that insurance companies use to quote your insurance.

Should You Buy Travel Insurance Through a Cruise Line?

Many cruise lines offer the chance to purchase travel insurance when booking. However, shopping around for the best insurance is in your best interest. Policies offered through cruise lines are fast and easy to purchase but don’t allow for customizations and often come at a premium. While you know you won’t forget to shop around for this important insurance and can complete your booking faster when you buy through the cruise line, it’s often better to talk to an agent or shop a comparison website for travel insurance than to book through cruise lines or airlines.

When you do some independent research, you can often find outstanding travel benefits for a better price. Ideally, you also want travel insurance as primary coverage. That way, you don’t have to go through your homeowners insurance policy or pay the larger deductibles your homeowners insurance policy charges for losses.

Protect Your Voyage from a Variety of Mishaps

Cruises are exciting and relaxing experiences. You can go from exploring new cities to relaxing on the cruise ship deck with a cold beverage. It’s an incredible mix of adventure and relaxation you won’t find with many other types of trips. Protect your investment with trip insurance designed specifically for cruises.

Frequently Asked Questions 

Can you get travel insurance for a cruise.

Yes, many travel insurance companies offer policies specifically designed for cruises.

When should I purchase cruise travel insurance?

Purchase cruise travel insurance shortly after booking your trip to protect your investment.

Is travel insurance for a cruise worth it?

Travel insurance for a cruise is a small percentage of the total cost of your trip, making it well worth the investment to protect you in various circumstances.

How do I choose the right travel insurance plan for my cruise?

Compare the coverages available through the travel insurance plan to decide which is best for you based on your needs.

About Rebekah Brately

Rebekah Brately is an investment writer passionate about helping people learn more about how to grow their wealth. She has more than 12 years of writing experience, focused on technology, travel, family and finance. Her work has been published in Benzinga, Hearst Bay Area, FreightWaves and Dallas Observer publications.