Travel Management

How to choose ticket insurance for business travel?

Tom Bengaouer
Responsable Communication & Marketing

Many companies need to send their employees to foreign countries for contracts, meetings and business development projects. So it's important for every professional to prepare for these trips by organizing travel, accommodation and business insurance in case of unforeseen circumstances.

After all, no professional is immune from an accident, illness or emergency beyond his or her control. Business travel ticket insurance can help you manage the situation without wasting time or money. So how do you choose the right business travel insurance?

Why pay for ticket insurance for business travel?

Your company may be starting to travel abroad, and has never before taken out ticket insurance for business trips. It's important to understand the benefits of this type of insurance, so you can make the right choice. The unexpected can happen quickly, and it's important to protect yourself as best you can to avoid an additional source of stress linked to your plane ticket. Taking out financial cover will help you cope with this unforeseen event, and is particularly useful if you're traveling outside the European Union, as social security won't provide much cover.

Business travel ticket insurance can therefore help you obtain effective coverage in an emergency situation. But why take out business travel insurance? Quite simply, because it's better suited to your travel profile, and will give you the support you need in a business setting.

Who can take out ticket reimbursement coverage for business travel?

  • A professional, whatever his or her current position within the company and status
  • All destinations supported, from New York to Tokyo
  • Any length of stay is eligible for business ticket insurance if it lasts less than 3 months or 180 consecutive days. Beyond this period, the stay is considered a professional expatriation, and you'll need to take out a policy adapted to this status.
  • The reason for your trip has no influence on the type of contract, whether it's for a customer meeting or a seminar, for example.

Every company wishing to have an employee abroad has every interest in protecting them with professional travel insurance cover, but it's important to take the time to compare contracts and choose the one best suited to your business and planned trip.

How do you organize your business travel ticket insurance?

Before you decide on business ticket insurance, it's important to remember that your travel insurance is made up of two parts.

  • Insurance: this covers compensation for expenses incurred during your business trip, such as in the event of accident or illness.
  • Assistance: this covers the assistance provided to the traveler in the event of unforeseen circumstances, such as stolen luggage or the need for medication.

That's why it's important to take out ticket insurance for business travel, to ensure that your flight is covered. However, there is no legal obligation to take out ticket insurance for business travel, so a company can plan a trip abroad without it. Nevertheless, it is highly recommended to protect yourself in the event of unforeseen circumstances, and to avoid losing a lot of money compared to the price of ticket insurance for business trips.

But not every company will have the same coverage needs for air travel. We strongly advise you to take the time to compare the various coverages on offer and select the business travel ticket insurance most suited to your needs, while ensuring that your employees are adequately protected.

A few things to remember before selecting your next business travel ticket insurance policy

It goes without saying that employees travelling on business are not obliged to take out business travel insurance. This is the responsibility of the company, but if this is not done automatically, the employee can apply for business travel ticket insurance before departure.

What's more, employers must take the time to inform their employees of the dates of the trip in advance, so as to prepare them as well as possible, while informing each participant of the conditions and health situation in the destination country, for example.

Companies have an obligation to protect their employees when they travel abroad. That's why ticket insurance for business trips is often a good option, to provide support in the event of unforeseen circumstances at a distance or before departure.

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