Business travel insurance

Get cover for your next business trip from £6.991

  • Get cover for your business equipment like laptops, tablets and phones

  • Compare quotes from up to 43 trusted providers

  • Choose from single or multi-trip business travel policies

1The cheapest business policy based on 1 adult aged 30, with no previous medical conditions travelling for 1 week in Europe. Correct as of February 2024.

What is business travel insurance?

Business travel insurance policies cover you if you're travelling for work purposes, rather than leisure. It covers things like business equipment and company money, where standard travel insurance wouldn't.

To get business travel insurance, when you get a quote, select ‘business cover’ from the range of optional add-ons. We’ll then show you a range of insurance providers you can choose from.

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Do I need business travel insurance?

Whether you need insurance for a business trip depends on your own circumstances. If you're travelling for work, it's worth considering business cover to your travel insurance policy. It offers cover for business-related equipment like laptops, tablets, phones and cash.

If you’re travelling for a conference or meeting, it can cover these travel arrangements if there are delays or cancellations. This allows you to make alternative arrangements and helps to cover the costs.

When you get a quote with us, we’ll ask you your destination and make sure your policy is tailored to your travel needs. Your employer might already cover business trips, but if not, it’s worth considering your own policy to cover you.

What does it cover?

Your business travel insurance policy typically cover:

  • Business equipment like laptops, tablets, phones, and other personal belongings
  • Sports equipment like golf clubs and tennis rackets
  • Extra expenses from missed connections
  • Company money that's lost or stolen
  • Alternative travel arrangements if your flights are cancelled or delayed
  • If your airline goes bust and you need to cover travel expenses

Your policy also includes basic, standard travel insurance cover. This includes:

  • Cancellation cover
  • Medical treatment
  • Repatriation (returning to the UK)
  • Baggage cover against theft, loss or damage

What's included can vary so check the policy wording see what’s covered before buying.

What doesn't it cover?

Exclusions on a business travel insurance policy are the same as with a standard travel insurance policy.

  • Travelling against Foreign, Commonwealth and Development Office (FCDO) advice - if the FCDO has warned against travelling to a particular country.
  • Incidents involving alcohol and drugs - business or standard travel insurance doesn't cover you if you're under the influence of drink or drugs
  • Any pre-existing conditions you didn’t declare when you bought your policy
  • Not reporting certain events, like theft or having an accident, within 24 hours
  • Injuries or claims from taking part in risky activities - if you plan to do winter sports such as skiing, you’ll need to add extra cover to your policy
  • Theft or loss of items you didn't take care of (such as not storing valuables in a safe if your policy states you should)

We compare up to 43 travel insurance companies

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Do I need European or Worldwide cover?

This depends on where you’re planning to go - a business travel policy doesn’t automatically cover all countries. European cover and worldwide cover are pretty much exactly what they sound like, but with some factors you need to consider:

European travel insurance

This covers you for travel within Europe - it’s recommended by the FCDO but isn’t a legal requirement. It usually covers emergency medical costs, treatment and repatriation, flight cancellations and loss of baggage and personal possessions.

Worldwide travel insurance

This covers you for almost anywhere in the world including: Europe, Asia, Africa, Australia and the Middle East. It also covers for emergency medical expenses, repatriation costs, cancellation costs and baggage and possessions cover.

Cover for countries like Turkey and Egypt can vary between European and worldwide depending on the provider, so it’s best to read the policy wording before buying. When getting a quote for worldwide holiday insurance you can choose between:

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

What our travel insurance expert says

"A business travel insurance policy means you've got that added protection and peace of mind if something happens to your company's belongings. It can also cover the cost of booking new flights to a conference or business meeting if yours gets cancelled or delayed."
Matthew Harwood, Home & lifestyle insurance expert at
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Do I need single-trip or multi-trip business travel insurance?

This will mostly depend on how often you're going to travel for business trips.


Single-trip business travel insurance is suitable if you’re only going on one trip within the next 12 months. This insures you for the duration of your trip.


Multi-trip business travel insurance, or annual travel insurance, might be cheaper if you're going on more than one trip in the next year.

How much does business travel insurance cost?

According to our data1, the average cost for a business travel insurance policy is £6.991. However, there are a number of different factors that can affect how much you pay, including:

  • Where you’re travelling to
  • Length of your trip
  • Your age and profession
  • Your health
  • Winter sports
  • Your excess


1The cheapest business policy based on 1 adult aged 30, with no previous medical conditions travelling for 1 week in Europe. Correct as of February 2024.

Where you’re travelling to - insurers rate destinations differently. For example, the more dangerous the country, the more your insurance will cost. They'll also take into account the price of the country's medical fees, which is also be reflected in the price you pay for your policy.

Length of your trip - how long your business trip is for can affect your costs. The longer you're away, the more likely you are to make a claim. If you're away for between 1 and 18 months, consider long stay travel insurance.

Your age and profession - those aged 65 and older can expect to pay more for their travel insurance due to higher health risks. What you do for a living also affects your costs. For example, if you're a journalist reporting in a dangerous country or a wildlife photographer, you have to pay more due to the risky nature of your job.

Your health - having a pre-existing medical condition can increase the cost of your insurance. Conditions including cancer, high blood pressure, diabetes, stroke, heart and respiratory problems should be declared to your insurer. Making sure you've got medical travel insurance is the best way to get the cover you need.

Winter sports - activities such as skiing or mountain climbing are considered high risk by insurers. You can get cover as an added extra but this increases your policy price.

Your excess - increasing the excess you agree to pay with your insurer could reduce the cost of your policy. Just make sure you can afford to pay your excess if you need to make a claim.

Am I covered by ABTA or ATOL?

You may or may not be protected by ABTA or ATOL. This depends on how and where you’ve booked your trip. ABTA protection means you get a refund if your travel company go bust.

Most flights booked as part of a package holiday are ATOL protected. This means holidaymakers are refunded their flight costs if their tour operator collapses. However, business trips won't necessarily have ABTA or ATOL protection.

Can I use my GHIC/EHIC card on a business trip?

If you have a Global Health Insurance Card (GHIC), you can use it for business travel.

The GHIC entitles you to medical care at the cost a local person would pay. This is often free or much cheaper than you'd pay without one.

It's no substitute for travel insurance, but it can be a way to lower medical costs in some European Union countries.

The GHIC replaces the European Health Insurance Card (EHIC).

Why choose

  • Founded in 2002, we have over 2 decades' worth of experience in insurance. Based in Cardiff, we help millions of customers each year with their car, home, van, motorbike and travel insurance needs.
  • We’re FCA regulated, as are the 39 travel insurance providers we work with. All of our providers are reputable, trusted brands so you can rest assured you’re in good hands whoever you choose.
  • Our customers have rated us ‘Excellent’ on Trustpilot
  • Need any help? Our Cardiff-based team is here to help. Take a look at our contact page and get in touch.

What are the different types of travel insurance?

Page last reviewed: 16 February 2024

Reviewed by: Matthew Harwood’s Travel Insurance solution is provided by is a trading style of Investment Discounts On-Line Ltd and is authorised and regulated by the Financial Conduct Authority. Registered office; Investment Discounts On-Line Ltd, One Coleman Street, London, EC2R 5AA. Registered in England no: 04231834. is part of the Legal & General group.

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