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The ins and outs of travel insurance for business trips


Business trips can be exciting for the most part. They’re a chance to step up, learn, engage, network, grow professionally and visit a new location while you’re at it. However, if you’re heading overseas and you’ve got a trip packed with meetings and events, the last thing you need is an unexpected spanner in the works, such as flight delays, cancelled accommodation or public transport strikes. Luckily though, travel insurance is something that may be able to provide you with compensation for these issues. So what do you need to know about travel insurance for your business trip?

Who pays?

Establishing who pays for your travel insurance is a conversation you need to have with your employer. If you’re being sent overseas to represent your company, then you should be able to ask your employer to provide you with insurance for your trip. However, if they’re reluctant to pay, then you may have to source your own cover. It’s a good idea to bear in mind that as it’s a work expense, you should be able to claim it as a tax deduction.

Will it cover flight delays?

A typical travel insurance policy (for business or otherwise) should provide you with cover for flight delays, provided that the delay is unforeseen. However, most insurance brands will only provide cover if the delay lasts longer than six hours, or if it results in a cancellation. If you can, try to avoid delays where possible. Australia’s Bureau of Infrastructure, Transport and Regional Economics annually releases a performance report on Australia’s domestic airports and airlines, so you can see where the most delays are.

Do you need insurance for domestic travel?

Travel insurance is something that not many people consider when they head away on a domestic business trip, usually because when professionals travel domestically for business, it’s often regular enough that it becomes routine. However, it’s definitely worth considering, especially if you’re booking flights and accommodation.

How can you get the best value?

Comparing business travel insurance policies online is the best way to get a good idea of the market and how much a policy should cost you. Not only does it give you an overview of the kinds of policies available and how much different inclusions cost, but it means that you can really find the policy that will give you the best bang for your buck.

About Bessie Hassan

Bessie Hassan is the Australian Head of PR and Money Expert at Australia’s largest financial comparison site, She is passionate about helping people find better deals and save money, and regularly blogs on the topics of money and finance. If you have any questions for Bessie, please feel free to email her at

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