Business Travel Insurance for Work Trips

Business travel insurance may help protect work-related trips when unexpected events affect your schedule, travel investment, or ability to reach an important commitment. Whether you are traveling for a conference, client meeting, training event, site visit, or international assignment, coverage may help with eligible cancellations, delays, medical expenses, baggage issues, and other covered disruptions.

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Why Coverage May Matter for Business Travel

Business trips often involve tight schedules, prepaid expenses, and commitments that leave little room for delays or last-minute changes. Flights, hotels, conference registrations, ground transportation, and other arrangements may be paid for in advance, while missed connections or baggage issues can affect meetings, presentations, and client obligations.

Travel insurance coverage may help reduce the financial impact of covered cancellations, interruptions, delays, medical emergencies, and baggage disruptions. It can be especially useful for international travel, multi-city itineraries, conference travel, and trips that depend on several flights or fixed meeting times.

Core Coverage for Work Trips*

Trip Cancellation and Interruption

May help protect eligible prepaid, nonrefundable travel expenses if a covered event forces a business traveler to cancel before departure or cut a trip short.

Travel Delay Protection

Travel delay coverage may help reimburse eligible expenses when a covered delay affects flights, meetings, hotel stays, or other time-sensitive parts of a work itinerary.

Medical and Emergency Transportation Protection

Medical evacuation coverage** and related medical expense coverage may help with eligible treatment or emergency transportation needs during a covered work trip, particularly when traveling far from home.

Baggage and Work Equipment Protection

Baggage protection may help with eligible losses involving luggage and covered personal belongings, which can be especially important when essential work items are packed for the trip.

Explore Our Business Travel Protection Plans

No matter your destination or the nature of your business trip, choosing the right travel protection plan is key. With our plans, you can focus on your work, knowing you’re covered for whatever comes your way.

Coverages
Trip Cancellation
Trip Interruption
Accident & Sickness Medical Expense
Baggage & Personal Effects
OPTIONAL ADD-ONS
Cancel for Any Reason
Interrupt for Any Reason
Optional Cruise
Bundle and more
Worldwide Trip Protector Platinum Plan
Download Plan Document
Trip Cancellation
100% Trip Cost
Trip Interruption
150% Trip Cost
Accident & Sickness Medical Expense
$500,000
Baggage & Personal Effects
$2,500 ($250 per article)
Optional Cancel or Interrupt for
Any Reason Add-on
Cancel for Any Reason
75% of Trip Cost**
Interrupt for Any Reason
75% of Trip Cost**
Optional Cruise
Bundle and more
Worldwide Trip Protector Deluxe Plan
Download Plan Document
Trip Cancellation
100% Trip Cost
Trip Interruption
150% Trip Cost
Accident & Sickness Medical Expense
$250,000
Baggage & Personal Effects
$1,500 ($250 per article)
Optional Cancel or Interrupt for
Any Reason Add-on
Cancel for Any Reason
75% of Trip Cost**
Interrupt for Any Reason
75% of Trip Cost**
Optional Cruise
Bundle and more
Worldwide Trip Protector Essential Plan
Download Plan Document
Trip Cancellation
100% Trip Cost
Trip Interruption
100% Trip Cost
Accident & Sickness Medical Expense
$50,000
Baggage & Personal Effects
$750 ($250 per article)
Optional Cancel or Interrupt for
Any Reason Add-on
Cancel for Any Reason
-
Interrupt for Any Reason
Optional Cruise
Bundle and more

Travel Insurance is included as part of a Travel Protection Plan which contains both insurance benefits and non-insurance assistance services. Coverage and benefit eligibility may vary by state. Read your plan document for full details.
** Optional bundles/coverage come at an additional cost and terms apply.

Important Coverage Considerations for Business Trips

Tight Schedules and Multiple Connections

Business travelers with connection-heavy itineraries may also want to review missed connection coverage when several flights, transfers, or fixed meeting times make itinerary disruptions more costly or difficult to manage.

International Work Travel

International business trips can involve longer flights, unfamiliar healthcare systems, and more complex itineraries. Travelers may want to compare medical expense, evacuation, delay, and baggage benefits based on the destination.

Higher-Value Equipment and Prepaid Expenses

Professionals traveling with laptops, cameras, presentation materials, or other higher-value equipment may want to review baggage limits and eligible optional upgrades. Higher prepaid trip costs can also make cancellation and interruption protection more important to travelers.

Add on Coverage for Business Travelers

Optional add-on benefits can be crucial for business travelers with unique needs. Whether you’re carrying high-value equipment or need extra protection for international trips, our flexible plans let you tailor your coverage.

Optional Baggage Bundle
Packing expensive equipment? You can protect those extras, like sports, business or golf equipment with a bundle built just for your valuable belongings. Available on the Platinum plan only.
Learn More
Optional Cancel & Interrupt For Any Reason
Work obligations? Family illness? This optional bundle allows you to cancel or interrupt your trip for any reason not otherwise covered by this plan. Additional terms apply. Not available on the Essential plan.
Learn More
Optional Trip Delay Upgrade
Need more coverage for potential travel delays? This upgrade, on the Deluxe plan only, increases coverage by $500, bringing the maximum benefit amount to $2,000.
Learn More
Optional Flight Bundle
Far-off places aren’t always easy to get to. If your trip has a number of connections, or there are multiple flights on your itinerary, it might benefit you to look into flight bundle add-on.
Learn More
Optional Rental Car Damage and Theft Coverage
Road tripping or driving long distances at your destination? Bundle your trip insurance with an add-on that can help protect your ride.
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Optional Cruise Bundle
Cruises come with their own unique set of travel challenges. Protect yourself on land and at sea, and boost your trip protection plan with a bundle built for any port-of-call.
Learn More
Optional add-ons come at an additional cost. Coverage and eligibility may vary by plan and state.

Related Travel Resources

Frequently Asked Questions

What is business travel insurance?
What is covered in business travel insurance?
Is annual travel insurance worth it for frequent business trips?
Can business travel insurance help protect work equipment during a trip?
How do I compare business travel insurance options?
How much does business travel insurance cost?
See all FAQs
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Find Travel Coverage for Your Next Business Trip

Business travel insurance may help protect your trip investment and provide support when covered delays, cancellations, medical emergencies, baggage issues, or other disruptions affect a work trip.

Compare available plans based on your destination, schedule, travel frequency, trip cost, and coverage priorities.

*May vary by plan and state.

**The medical condition must be severe, acute or life threatening and that transportation to the nearest medical facility can be arranged if there are no adequate facilities in the immediate area.

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