Business Travel Insurance
Meetings move, laptops disappear, connections misconnect. Business-tuned plans put money behind rebooking, equipment and the schedule risks leisure policies ignore.
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Why it matters
- Frequent flyers are exactly who annual multi-trip plans were built for — one premium, every trip, consistent limits for visa letters.
- Business equipment (laptops, samples, presentation kit) needs the higher per-item limits standard baggage cover lacks.
- Missed-connection and delay benefits fund the last-minute rebooking that salvages the meeting.
7 plans built for this
Allianz Travel
Allianz OneTrip Premier
Top-tier limits — double Prime’s medical and $1M evacuation.
$50,000 medical cover →
Travel Guard
Travel Guard Deluxe
AIG’s flagship: $100k medical, $1M evacuation, generous delay benefits.
$100,000 medical cover →
Travel Guard
Travel Guard Annual
One yearly premium covers every trip you take, up to 90 days each.
$50,000 medical cover →
Allianz Travel
Allianz AllTrips Prime
Simple flat-price annual protection for every trip of the year.
$25,000 medical cover →
Tata AIG General Insurance
Tata AIG Travel Guard Gold
US-ready $250k medical cover — the workhorse for USA/Canada trips.
$250,000 medical cover →
Tata AIG General Insurance
Tata AIG Travel Guard Platinum
Flagship tier: $500k medical and the richest benefit set in the range.
$500,000 medical cover →
HDFC ERGO General Insurance
HDFC ERGO Annual Multi-Trip
A year of international trips on one policy — built for frequent flyers.
$250,000 medical cover →
Buy with a real consultant — not just a checkout form
Our consultants confirm final premiums with the insurer, check the wording against your trip (visa rules, activities, health declarations), and stay on the file for claims help.
How to buy it right
- Two or fewer trips a year: single-trip plans. Three or more: annual. Mixed personal/business travel is fine on retail annual plans.
- Carrying employer equipment? Check whether the employer’s property policy already covers it abroad before buying gadget riders.
- Teams of 10+ should ask about corporate group policies — our desk arranges employer-paid group cover with insurers directly.
Frequently Asked Questions
Does business travel insurance cover my laptop?
Within baggage per-item limits by default (often $250–500 per item) — genuinely valuable equipment needs a gadget/electronics add-on (HDFC ERGO, World Nomads gear cover) or an employer property policy.
Can I use one policy for both business and leisure trips?
Retail annual multi-trip policies cover both. Cover for manual/hazardous work is excluded — desk-based business travel is fine.
Is client-caused cancellation covered?
Standard cancellation covers listed events (illness, bereavement, disasters) — not a client moving the meeting. That commercial risk needs CFAR (Cancel For Any Reason) upgrades where available.
Other trip types
Premiums shown are indicative estimates compiled from publicly available plan literature and typical market rates — the final premium, terms and issuance are always set by the insurer. Plan benefits, limits and exclusions are summarised for comparison; the policy wording issued by the insurer is the only binding document. Confirm current terms with the insurer or our consultants before purchase.