Single trip travel insurance
This policy will cover you for a single trip abroad. Your policy will end on a set date (usually the date you plan to return home) and a new policy will need to be taken out if you want cover to continue
Business travel insurance
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What is business travel insurance?
Business travel insurance is a type of optional cover you can add to a standard travel insurance policy to adapt your cover for business travel. It's specifically for travellers going abroad for business purposes.
As well as covering all of the standard features of a basic travel insurance policy, business travel insurance goes the extra mile to offer special cover for business essentials, such as company money, schedule changes, and business equipment. It will protect the essentials for your business activities abroad so travel disruptions don't ruin your plans.
Do I need travel insurance for a business trip?
As a business traveller, it may be even more important that you take out travel insurance when you leave the country. Travelling for business usually involves important commitments that can't be missed, such as meetings or conferences. The right travel insurance policy will help you get your travel plans back on track and reimburse you for emergency expenses.
A standard policy will cover you for all of your travel basics, including the cost of medical emergencies, lost or stolen luggage, or cancellations. If you don't need any special cover, then a standard policy may be all that you need.
However, a specialist policy may be the right choice for you if you plan to travel with important equipment or merchandise as these are things that a standard policy may not cover.
To find our offering of specialist business travel insurance policies, all you need to do is use the filters on our results page to narrow down your search for business-specific travel insurance policies.
Our expert says…
Business travellers have the choice between a standard travel insurance policy and a specialist business travel insurance policy. If they don't have any special requirements for their activities abroad - like protecting company money or additional employees - then a standard policy may be all they need. It pays off to compare quotes with us and see for yourself if a specialist policy is worth the cost compared to the standard cover.
Saarrah Mussa Former Content Writer
Types of business travel policy
There are several different types of travel insurance to choose from to suit your needs:
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Annual travel insurance
If you plan to take multiple business trips abroad during the year, this policy will cover all of them. Your policy lasts for a whole year and will cover all of your travel during this time, although per-trip limits apply
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Long stay travel cover
Long-stay policies can cover long, single trips that last up to 18 months. Multi-trip policies have limits to the length of each trip, so if you plan to spend a long time abroad for business, this may be the better option
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Group travel cover
This cover will insure multiple people under the same policy, making travel insurance easier to manage for multiple people. This may be useful if you plan to travel with employees or co-workers
What does business travel insurance cover?
Travel insurance policy inclusions and exclusions vary. The following information provides a general overview of common travel insurance inclusions and exclusions. Always read your policy documents thoroughly to understand what is and isn't covered before your trip.
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Covered
Business equipment and personal belongings: As well as protecting your personal baggage from theft or damage, business travel insurance cover will protect your important business equipment as well. This can include laptops, tablets, smartphones, and other essentials
Schedule changes: Changes in your meeting schedule can require changes in your travel plans as well, which can be expensive. Travel insurance will help you cover the cost of readjusting your travel plans if there are emergency changes in your work schedule
Replacement cover: If an emergency prevents you from following through with your plans, this protection will cover the cost of sending a replacement employee to cover you
Business money: Unlike a standard travel insurance policy, business travel insurance policies can cover large sums of money that you may need to take with you for business purposes
Medical fees: Business travel insurance, like standard travel insurance, will cover the cost of emergency medical fees while you're abroad
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Not covered
Drugs and alcohol: Neither standard nor business travel insurance will cover incidents where you are under the influence of drugs or alcohol
Personal valuables: Business travel insurance may cover higher-value items if they are essential for business but policies are unlikely to cover valuable personal items. To insure expensive jewellery or personal gadgets, you will need to pay extra for an add-on cover
Travelling against FCDO advice: You will not be covered for destinations that the Foreign, Commonwealth & Development Office (FCDO) has advised against travelling to
Undisclosed health conditions: If you don't disclose your pre-existing conditions to your provider, you won't be able to claim cover for those conditions while you travel. You may even invalidate your policy by hiding your health conditions
Poor time management: Your policy won't cover you if you miss your flight or fail to stick to your travel plans because you didn't manage your time or were running late
Have you considered key person insurance?
If you are purchasing travel insurance for an important employee or partner at your company, there are other insurance products you may want to consider.
If the person travelling is a vital person for the business, key person insurance will protect the business should anything happen to them. If the key person passes away, falls critically ill, or is incapable of carrying out their work, a key person insurance policy will pay out to help your business remain operational and recover from the loss.
Key person insurance is in no way a replacement for a business travel insurance policy, nor an employers' liability policy. But it can be a valuable additional insurance protection for your business while a key person is away.
What does business travel insurance cost?
You can get your business travel insurance policy with MoneySuperMarket at an average cost of £62.94
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Destination
Insurers price different destinations based on the risks of making a claim and the cost of claims. The more dangerous the destination and the higher the medical fees, the more expensive insurance will be
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Trip duration
The duration of your business trip will affect the cost of cover, with longer trips being more expensive to insure. Similarly, taking out a multi-trip policy will be more expensive than a single-trip policy
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Your health
Having pre-existing medical conditions will add to the cost of your insurance. Specialist travel insurance policies for pre-existing conditions are also more expensive than standard cover
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Excess
Excess is an amount that you agree to contribute to cover the cost of a claim. By increasing your excess you can reduce the cost of your travel insurance but will need to pay more when making a claim on your policy
Where can I travel to on a business travel insurance policy?
A travel insurance policy doesn't automatically cover you for travel anywhere. Insurers give you options for which countries you want your policy to cover. Travel insurance policies that cover fewer destinations tend to be cheaper, but they won't give you receive any protection if you visit a destination that your policy doesn't cover.
These are the common destination options you will have to choose from when you take out business travel insurance:
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Europe only cover
European policies are the least expensive option and will cover you for travel to all EU countries as well as some non-EU countries, including destinations, such as Turkey and Egypt
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Excluding the USA, Canada, and the Caribbean
This policy covers most destinations except USA, Canada, and the Caribbean because medical fees can be especially high in these countries
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Worldwide
Worldwide cover gives you global cover. Depending on the terms of your policy some exclusions may apply, including destinations that the FCDO have advised against travelling to
Why compare travel insurance with MoneySuperMarket?
Whether you need worldwide cover, a single trip, or a multi-trip policy, at MoneySuperMarket, we’re here to make sure your holiday planning is a breeze. Here’s what you’ll get:
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Flexible to suit your plans
Get fully comprehensive cover for as long as you need it, whether that's one day or a few months, or single trip or multi trip policy
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Quick and easy to use
Simply pop in a few details about where you’re off to next, pick the best deal for you and get insured for your next trip.
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Save money
Compare quotes from the UK's leading travel insurance providers and filter through a range of policies that match your needs as well as your budget.
Business travel insurance guides and expert tips
Keep up to date and find out all you need to know with our latest guides.
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How can I get cheaper business travel insurance?
The key to saving money on business travel insurance is smart shopping. There are a few things you can do when buying your policy to cut costs without sacrificing cover:
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Shop around
Comparing quotes is one of the simplest ways to find yourself cheaper travel insurance cover. All you need to do is answer a few questions to get quotes then use our filters to find special business policies
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Increase your excess
Excess is an amount you volunteer to contribute to insurance claims. Increasing your excess will make your policy cheaper but it also means that you need to pay more out-of-pocket to cover insurable events
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Choose the right cover type
If you plan to travel abroad fewer than three times in a year, single-trip policies may be cheaper than a multi-trip policy. Take your time to compare prices to see which is the cheaper option for you
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Don't pay for what you don't need
Additional cover options are there to extend your cover if you need it but they're not always necessary. Take time to think about your travel plans and whether these policy extras are worth the cost
Ready to compare? Here's what to do next
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Tell us about yourself
Give a few details about you, your travel plans, preferred level of cover, and what you need cover for
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We’ll do the legwork
We’ll put together a list of travel insurance quotes, so you can pick one that works for you
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You’re on your way
Once you’ve chosen, you can purchase your policy and you’ll be covered for your trip
How do I make a claim on my business travel insurance policy?
If a situation arises and you need to make a claim on your business travel insurance while you’re away, here’s what you should do – and keep in mind it’s useful to have a copy of your policy at hand.
Contact the authorities if you need to: Your first course of action, if you think you’ve been the victim of a crime, is to report it to the local police – and you should get a copy of the police report. You might not be able to claim on your policy if you fail to contact the authorities within 24 hours of the crime
Contact your insurance company: If your insurer has an emergency or 24-hour phone number, keep it to hand at all times, and call as soon as you can if you want to submit a claim. You might be given a separate number for medical emergencies and claims, which you should try to call before receiving treatment at a hospital
Gather evidence to support your claim: As mentioned above you should get a copy of any police reports, as well as medical notes or forms from the hospital or receipts to prove ownership for lost, stolen or damaged items
The process of making a claim can vary by insurer, so it’s advisable to check for any specific instructions or requirements before you travel. Claims processes are usually outlined in your policy documents or your insurer's website.
What's the difference between business trip and business travel?
There isn't really a difference between 'business travel' and 'business trip' when applying for insurance. Providers may use these terms interchangeably to describe travelling for business purposes.
Can I use group travel insurance for employees?
Yes, you can get group business travel insurance to cover multiple employees under one policy. Group policies can sometimes work out cheaper than separate for a group of travellers and can be easier to manage.
Group policies usually offer the same cover as policies for single travellers although terms may differ between insurance providers. Some providers may offer greater benefits for group policyholders, such as increased baggage cover. Check the terms of your policy carefully when you apply.
What policy add-ons can I include?
There are a range of optional add-ons to choose from. Not all of these may be available for a specialist business travel insurance policy, but they will be available with standard cover. These include but aren't limited to:
legal expenses cover
hijack cover
Insurers also allow you to adjust how much cover you get for medical treatments, lost baggage, and cancellation costs.
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Reviewed on 9 Jan 2026 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Data based on the median price of travel insurance sold through MoneySuperMarket with business cover in December 2025.
The number of providers for travel insurance in August 2025
