We are keenly aware that one size doesn’t fit all, that’s why we offer three levels of Business Travel Insurance cover to choose from with the option of tailoring your company’s policy further if required.

To help you select the right Business Travel Insurance policy for your company we have created a comparison table so you can compare the benefits a business traveller will receive with each of the three different levels of cover.

Top Tip When Comparing Our Three Levels of Business Travel Insurance

There are many other sections of cover to consider when you are comparing Business Travel Insurance policies such as the level of cancellation cover or the level of cover for your personal belongings depending on what is most important to your company.

These sections are important as the limit is the maximum you can claim back. For example, if you’ve bought a Business Travel Insurance policy with £3,000 cancellation cover, but your employees’ business trip costs £3,500. This could potentially leave your business out of pocket if your company needed to claim, so you should select the level of cover that doesn’t leave your business under-insure.

Find the right Business Travel Insurance policy for you and your company today:

	Essentials	Super	Enhanced
Section A - Personal Accident
1. Death Death if aged under 16 at date of accident	£10,000 £10,000	£50,000 £20,000	£100,000 £20,000
2. Loss of Limb	£10,000	£75,000	£125,000
3. Loss of Sight	£10,000	£75,000	£125,000
4. Loss of Hearing	£10,000	£50,000	£100,000
5. Loss of Speech	£10,000	£50,000	£100,000
6. Permanent Total Disablement*	£10,000	£75,000	£125,000
Permanent Partial Disablement One thumb Forefinger Any finger other than forefinger Big toe Any toe other than the big toe Shoulder or elbow Wrist, hip, knee or ankle Lower jaw by surgical operation	Covered 15% of item 6 10% of item 6 5% of item 6 7.5% of item 6 2.5% of item 6 12.5% of item 6 10% of item 6 15% of item 6	Covered 15% of item 6 10% of item 6 5% of item 6 7.5% of item 6 2.5% of item 6 12.5% of item 6 10% of item 6 15% of item 6	Covered 30% of item 6 20% of item 6 10% of item 6 15% of item 6 5% of item 6 25% of item 6 20% of item 6 30% of item 6
Funeral expenses	£10,000	£10,000	£10,000
Catastrophic personnel replacement expenses	No Cover	No Cover	£1,000,000 per event
Any One Accident Limit (Business Travel only) Multi-engined aircraft limit Single-engined aircraft limit	£250,000 £125,000 £75,000	£1,000,000 £500,000 £250,000	£2,000,000 £1,000,000 £500,000
Section B1 - Medical and Emergency Travel Expenses
Excess	£35	£35	Nil Excess
Medical expenses, emergency travel expenses, repatriation and emergency medical evacuation Including emergency dental treatment	£5,000,000 £250	£10,000,000 £350	£10,000,000 £500
Medical expenses, emergency travel expenses, repatriation and emergency medical evacuation in relation to COVID-19 only	£1,000,000 £250 Excess	£1,000,000 £250 Excess	£1,000,000 £250 Excess
Hospital inconvenience	£50 for each 24 hour period, increasing to 100 for bank holidays; up to a maximum of 365 days Nil Excess	£50 for each 24 hour period, increasing to 100 for bank holidays; up to a maximum of 365 days Nil Excess	£50 for each 24 hour period, increasing to 100 for bank holidays; up to a maximum of 365 days Nil Excess
Continuing medical charges	No Cover	£25,000 Nil Excess	£50,000 Nil Excess
Section B2 - Search and Rescue Expenses
Limit	No Cover	£25,000 £25,000 in the aggregate annually for Business Travel	£50,000 £50,000 in the aggregate annually for Business Travel
Section B3 - Kidnap, Hostage and Hijack Expenses
Section B3.1 - Consultants Costs Limit	No Cover	£25,000 Annual aggregate limits for Business Travel: £150,000 for Consultants Costs No cover for Ransom Monies	£50,000 Annual aggregate limits for Business Travel: £250,000 for Consultants Costs No cover for Ransom Monies
Section B3.2 - Hijack and Kidnap Payments	No Cover	£300 for each 24 hour period, up to a maximum of £20,000	£300 for each 24 hour period, up to a maximum of £20,000
Section B4 - Political and Natural Disaster Evacuation
Evacuation and repatriation costs	No Cover	£25,000	£50,000
Limit	No Cover	£100 per day for maximum 30 days	£100 per day for maximum 30 days
Section B5 - Personal Security Specialist Expenses
Evacuation and repatriation costs	No Cover	£5,000 £5,000 in the aggregate annually for business travel	£10,000 £10,000 in the aggregate annually for business travel
Section B6 - Personal Belongings
Excess	£35	£35	Nil Excess
Personal belongings	£2,000	£5,000	£10,000
Single item, pair or set limit	£500	£1,000	£2,000
Personal valuables limit	£500	£1,000	£2,000
Temporary loss	No Cover	£1,000	£1,000
Business samples	No Cover	£1,000	£1,000
Business equipment	No Cover	£2,000	£2,000
Electronic business equipment	No Cover	£2,000	£2,000
Loss of keys	No Cover	£1,000	£1,000
Section B7 - Money & Important Documents
Loss or theft of money Cash Limit Cash Limit (aged under 18)	up to £500 up to £300 up to £50	up to £500 up to £500 up to £50	up to £1,000 up to £1,000 up to £50
Fraudulent use of credit card	£5,000	£5,000	£5,000
Lost or damaged passport and/or visa	£2,000	£2,000	£2,000
Theft of passport and visa	£1,000	£1,000	£1,000
Per person limit	£2,000	£5,000	£10,000
Aggregate limit - all insureds (Business Travel only)	£20,000	£50,000	£100,000
Section B8 - Cancellation, curtailment, replacement and change of itinerary
Excess	£35	£35	Nil Excess
B8.1 Cancellation, curtailment, replacement personnel and change of itinerary	up to £3,000	up to £5,000	up to £10,000
B8.2 Cancellation in the event of a COVID-19 diagnosis (Optional Cover)	up to £3,000	up to £5,000	up to £10,000
Aggregate limit – all insureds (Business Travel only)	up to £30,000	up to £50,000	up to £100,000
Section B9 - Travel Delay
Limit	50 for first complete 12 hour delay, and 50 for each subsequent 12 hour period, up to a maximum of 2,000 Nil Excess	50 for first complete 12 hour delay, and 50 for each subsequent 12 hour period, up to a maximum of 2,000 Nil Excess	50 for first complete 12 hour delay, and 50 for each subsequent 12 hour period, up to a maximum of 2,000 Nil Excess
Section B10 - Missed Departure
Limit	No cover	£1,000	£1,000
Section B11 - Personal Liability
Limit	Limit of liability £1,000,000	Limit of liability £1,000,000	Limit of liability £1,000,000
Section B12 - Legal Expenses
Limit	£5,000	£25,000	£50,000
Sports Activities - Leisure List (Excludes Winter Sports & professional sports) Winter Sports and adventure sports and activities options available below. 100+ activities covered refer to section

* Once and Insured Person has attained the age of 66, this benefit is limited to 25% of the current sum insured or £25,000 whichever is the lesser.

To view the full policy wording and cover limits, click here.

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Looking for additional cover?

We also have options available for you to add to your company’s VoyagerProtect Business Travel Insurance policy to extend the cover, upon payment of an additional premium.

These Options include:

• Optional Terrorism Disruption Protection
• Optional Hazardous Activities & Sports
• Optional Winter Sports Activities

	Essentials	Super	Enhanced
Section C - Winter Sports Activities*
C1. Ski equipment & hire
Excess	£35	£35	Nil Excess
Overall Limit	£500	£500	£1,000
Maximum per item, pair or set owned or borrowed	£250	£500	£500
Maximum per item, pair or set hired	£250	£500	£500
Necessary ski equipment hire (amount per day)	£300 (£15) Nil Excess	£500 (£50) Nil Excess	£500 (£50) Nil Excess
C2. Ski pack
Limit	£400	£500	£600
C3. Piste closure
Limit (amount per day)	£200 (£20) Nil Excess	£300 (£30) Nil Excess	4500 (£40) Nil Excess
Section D - Terrorism Disruption Protection
Excess	£35	£35	Nil Excess
D1. Pre-trip cancellation due to security reasons	£5,000	£5,000	£5,000
D2. Trip interruption due to an act of terrorism	£5,000	£5,000	£5,000
Section E - Hazardous Activities & Sport
Excess	£250	£250	£250

*Please note: there is 21 days limit in total for each annual period of cover

To view the full policy wording and cover limits, click here.

To find out more information about each of these Options, please visit our Policy Options page.

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