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Group Business Travel Insurance

What is Group Business Travel Insurance?

A regular Group Travel Insurance policy caters for groups of people travelling overseas at the same time for recreation or business purposes. Group Business Travel Insurance is only different in the way that the policy can be tailored to meet specific business needs.

Travel insurance policies provide varying levels of coverage, encompassing financial safeguards for: accident, illness, lost possessions and travel cancellations. However, Business Travel Insurance policies will usually offer a more extensive level of coverage – how extensive is down to you.

How does Group Travel Insurance Work?

The main difference between Group Travel Insurance and regular single trip insurance is that several travellers are protected under the same policy. It’s worth noting that all policyholders must be travelling together on the same trip for group policies to be valid.

All listed travellers can gain access to the same levels of coverage as single trip policies, such as:

  • Cancellations
  • Lost or stolen money
  • Medical emergencies
  • Possessions and baggage
  • Legal fees

For business purposes it’s important that coverage is designed to:

  • Tackle potential financial risks
  • Ensure employee wellbeing
  • Provide practical support to HR and management

An intelligently tailored Group Business Travel Insurance policy provides peace-of-mind for everyone concerned. If the worst happens, you’ve got it covered. While price point is inevitably an important consideration, value is key. In our experience of working with business customers, cheap is rarely cheerful when a problem arises.

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Why offer Group Travel Insurance for employees?

Over the years of working closely with our clients, we have seen the impact of employees falling ill or having accidents while overseas on work trips. The affect on the business is greater than many people foresee. Without an appropriate insurance policy in place, a lot of time and capacity is demanded of HR as a consequence of:

  • Trying to find and navigate local medical pathways
  • Trying to access the appropriate medical treatments
  • Organising & completing the relevant paperwork
  • Arranging necessary employee support where required

Ensuring that the Group Business Travel Insurance can truly deliver when it is called upon is a crucial consideration.

To that end, we predominantly work with our clients to help source and manage medically-led travel insurance plans to ensure our clients provide the appropriate duty of care to their employees while on work assignments and short business trips.

There are many providers of travel insurance and while most can easily manage to reimburse claims for lost luggage or travel delays, the ability for an insurer to step in and make a difference when a medical situation arises is a crucial consideration often overlooked.

The right Group Travel Insurance provider should offer a 24-hour medical helpline for medical emergencies and provide initial advice to employees feeling unwell, or who have been in an accident.

The provider should also be able to help employees on the ground find appropriate medical facilities local to them and work with that facility to provide a Guarantee of Payment (GoP), or confirm with the employee that costs incurred within the facility will be reimbursed quickly.

In a more serious emergency, the right Business Travel insurance provider should, with our assistance, be able to work with the employee, employer and medical facilities on the ground, to agree the appropriate medical treatment quickly and/or organise medical transportation, if required.

All of the insurers we work with on Group Business Travel Insurance meet these important requirements.

What are the advantages of Group Business Travel Insurance?

There are many benefits to having Group Travel Insurance for employees:

  • Covers multiple individuals within a single policy, making it faster and more efficient to arrange than several individual insurance policies.
  • The more people covered, the lower the cost per-person.
  • Employees can take advantage of free coverage for children under-18, should they have younger family members with them.
  • It’s more generous in added extras provided. For example, employees are likely to have improved coverage on items like baggage than compared with a stand-alone policy.
  • Businesses have a choice between single-trip and multi-trip annual coverage when purchasing Group Travel Insurance. If a group of employees travels more than twice a year, the latter is usually the best option.
  • If you purchase an annual travel insurance policy it saves the trouble of having to arrange insurance for the next trip.

“They took the stress out of the whole process, no question is ever a problem for them and they always respond quickly and happily.”

What are the disadvantages of Group Business Travel Insurance?

  • Even though travel insurance plans cover unexpected medical expenses incurred while you’re abroad, they do not cover pre-existing conditions. If you become ill and require medical treatment while travelling internationally, you will be responsible for covering the costs with your own money. Travel insurance only covers unexpected illnesses and does not cover pre-existing conditions.
  • There’s always the possibility that a claim will be rejected if it doesn’t meet the terms of the agreement. Note: a business insurance broker, like Engage Health Group, will help ensure there are no nasty surprises/omissions within the Ts & Cs.
  • A group policy’s renewal premiums are connected to the policy’s claims, meaning renewal rates will likely increase if a group member previously claimed.

How much does Group Business Travel Insurance Cost?

Group Business Travel Insurance works in the same way as any other type of insurance which means the cost will vary according to a range of factors:

  • Location travelling to (or through)
  • Time of year
  • Scope of coverage
  • Age & health profile of employees
  • Any limits on claims
  • Level of excess (how much the business agrees to pay in the event of a successful claim – the higher the excess the lower the premium and vice versa)
  • Level of cancellation cover (in event of trip cancellation)
  • Number of employees included in the scheme (the more people included, the lower the cost per-head)
  • Whether it’s single trip or annual multi-trip

For this reason, it’s very difficult to provide a relevant estimate (however, you can visit our ‘Free Quote’ page and we’ll provide a bespoke quote). Nonetheless, for a two-person week business trip to France costs start from around £22.

Frequently Asked Questions

Do I need a group leader?

This will entirely depend on your group, but it’s advisable to allocate duties (such as travel and hotel booking) to different employees on the trip, if needed. This prevents the burden being placed on one unfortunate team member.

Can I get coverage for specific activities?

Most Group Travel Insurance policies will cover various standard activities. However, expect to pay an additional premium for the more hazardous or unusual activities that might be on your travel itinerary. Some insurers will let you purchase extra coverage for individual activities, such as fishing.  

Can I get Business Travel Insurance with Covid cover?

Yes. There are business travel insurance policies that provide for a variety of Covid-related events. For example, you can be covered against a cancelled flight due to testing positive or for the cost of medical treatment abroad. 


However, for your policy to be valid you must adhere to FCDO advice.


Interestingly, travel insurance is in high demand post-pandemic as people and businesses seek out cover which includes Covid-related protections. Consequently, the business travel insurance market is expected to see major growth in the years ahead.

Where can I get the best Business Travel Insurance?

There are many providers on the market, including:



As an independent business insurance broker, we can work on your behalf to ensure you get the best arrangement to suit the needs of your employees and business. 


There is never a single best deal which fits every company’s requirements. However, there is an ideal one for you. 


Use our quotes form or call us on +44 (0)1273 974419 and we’ll bring the best deals to you. No fees attached.

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