Small business
Travel Cover option
Medical problems and emergencies can be incredibly worrying – and expensive – particularly if they happen when you’re abroad. With our business travel insurance, you and your team can travel for business or leisure knowing you’ll get the treatment you need if you fall ill or get injured in an accident. Two levels of travel cover are available - European or Worldwide. We’ve packed in a range of travel-related benefits too and you can choose to extend cover to family members, even if they travel solo.1
In order to use this option, you must be medically fit to travel.2 If you’re buying the Travel Cover option you will also need to include the Treatment Option on your plan.
1 Adding family members will increase your premium.
2 If you are not fit to travel, you will not be covered under Section 1 Cancellation or cutting short a trip or Section 2 Medical emergency and repatriation expenses.
Peace of mind on the road
- Know that you and your team are covered for emergency medical treatment if the worst happens when you’re travelling abroad.
- Enjoy peace of mind with access to our 24-hour international emergency medical assistance.
- Under European Cover you have a 25 day trip length limit, and can be overseas for a maximum of 65 days.
- Under Worldwide Cover you have a 65 day trip length limit, and can be overseas for a maximum of 180 days.
- Under both European and Worldwide Cover, you have cover for business travel.
- Benefit from cover on UK trips when you have two nights pre-booked accommodation or pre-booked transport at least 50 miles from home.
- No need for you or your employees to provide a medical history. All pre-existing medical conditions you or your employees have will be covered abroad, if your medical practitioner says you’re fit to travel (excluding terminal illness).
- You can choose to extend cover to family members too, even if they travel solo (family members must be added on and this will increase your premium).
When it’s the wrong sort of break
David is co-founder of a digital agency based in London. A few of his clients are based in the US, so David and his team of 15 regularly travel over there for meetings. Recently, on a business break to New York, one of David’s account managers, Sarah, had a nasty fall and broke her ankle. David had the Worldwide Cover option on their small business insurance, so Sarah was treated swiftly without the worry of a large treatment bill coming her way.
As David is a keen skier, he often takes to the slopes when he’s abroad, so it helps that he’s insured for on-piste winter skiing, too (Sarah doesn’t join him).*
*There is a 17 day limit to any holiday in a winter sport resort.
Choose from two levels of cover
European Cover
- Pre-existing conditions: cover for treatment and assistance abroad for all pre-existing conditions, other than terminal illness.
- Skiing and adventure sports: cover for bungee jumping, paragliding, canyoning, skydiving, scuba diving down to 30 metres and trekking to an altitude of 5,000 metres, amongst other sports. Plus, cover for up to 17 days spent away in a winter sports resort during the period of your insurance.
- Cover for employees and family members: aged up to 85.
- Business or leisure travel: it doesn’t matter if your employees are travelling for work or in their own time.
Worldwide Cover
- Pre-existing conditions:cover for treatment and assistance abroad for all pre-existing conditions, other than terminal illness.
- Skiing and adventure sports: cover for bungee jumping, paragliding, canyoning, skydiving, scuba diving down to 30 metres and trekking to an altitude of 5,000 metres, amongst other sports. Plus, cover for up to 17 days spent away in a winter sports resort during the period of your insurance.
- Cover for employees and family members: aged up to 85.
- Business or leisure travel: it doesn’t matter if your employees are travelling for work or in their own time.
What's not covered?
As with most travel insurance, there are exclusions and limitations.
- Any costs incurred when travelling against Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority advice.
- If you aren't medically fit to travel or travel against medical advice.
- For any claims for cancellation, cutting a trip short, medical emergency and repatriation expenses where the insured member has a terminal prognosis.
- For cancellation: any loss or expense where you cannot travel or choose not to travel because of Government or regulatory authority restrictions relating to a pandemic declared by the World Health Organisation; and/or
- For any loss or expense relating to your disinclination or reluctance to travel following a pandemic or due to compulsory quarantine on arrival at your destination or on return to your home area.
If you'd like to find out more about what is and isn't covered, call us on 0800 389 7413* orrequest a callback.
How much does business travel insurance cost?
To give you an idea of how much business travel insurance could cost, we have included an example price below (if you’re buying the Travel Cover option you will also need to include the Treatment Option on your plan).
An example plan: An average of £31.25 per month, per employee^
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Treatment | Worldwide Travel | |||
^The above example is based on six employees (aged 25, 30, 35, 40, 45 & 50), living in Guildford,with a £100 excess and a two year moratorium on pre-existing conditions. Treatment and Worldwide Travel Cover options included. Costs are representative as of April 2024, and prices will vary depending on location, cover options and ages. The total monthly cost of the plan is £187.52 which is equivalent to £31.25 per employee.
Business travel insurance FAQs
Business travel insurance covers you and your team for emergency medical treatment if you fall ill or have an injury due to accident, illness or disease while travelling abroad. As well as medical treatment, our business travel insurance also provides cover for trip cancellations, delays & disruption, emergency medical repatriation and evacuation and personal belongings and money. Full details of what is and isn’t covered, as well as limits on cover, are provided in the membership handbook.
We offer two levels of business travel insurance cover, European Cover and Worldwide Cover. Both levels include cover for business and leisure travel. European Cover gives you a total of 65 days per year for trips within Europe, and Worldwide Cover gives you a total of 180 days per year for trips anywhere in the world. For European Cover, the maximum single trip length is 25 days, and for Worldwide Cover the maximum single trip length is 65 days.
Cover is provided for the 12 month period as stated in the membership statement (however if an employee leaves the plan or the premiums aren't paid then there will be no cover).
Yes, our business travel insurance covers you whether you are travelling for business or leisure.
Yes, both our European Cover and our Worldwide Cover provides cover for treatment and assistance abroad for all pre-existing conditions, other than terminal illness where life expectancy is below one year at the start of the trip. You should also consult your doctor in the week before you travel if you have any doubts about whether you are medically fit to undertake a trip. There is no cover under 'cancellation or cutting short a trip' and 'medical emergency and repatriation expenses' if you are not medically fit to travel.
Included as standard:
Regardless of the cover options that you choose, you'll have access to the following included as standard:
- 24/7 access to a private GP - Access to our 24/7 phone and video GP service, AXA Doctor at Hand (powered by Doctor Care Anywhere). Appointments are subject to availability. Advanced Nurse Practitioners available 8am-10pm.
- Muscle, bone and joint support - You and your team aged 18 and over get access to a physiotherapist over the phone or online, without the need for a GP referral.
- Health information phone line- Our helpline is open 24/7 for health information and support from nurses and counsellors. Midwives and pharmacists are available from 8am-8pm Monday to Friday, until 4pm on Saturday, and until 12pm on Sunday.
- Heart and cancer support - Speak to our experienced health practitioners on the phone - they can support you and your family when living with heart and cancer conditions.
- Access to gym discounts - In addition to your healthcare cover, you can get up to 40% off monthly Nuffield Health Fitness and Wellbeing centre memberships and Hussle Monthly+ pass fees for you and your employees. So your team can find their motivation, whether they’re training for a marathon or just getting started. Get more information and terms and conditions.
Build a plan that's right for you and your business
At AXA Health, we know that every small business is unique. That’s why we offer a choice of healthcare cover options and benefits that you can select from, so that you only pay for the cover you want.1
Choose your cover options to create a package that works best for you and your team. For more help, speak to one of our advisors on 0800 389 7413*
1If you are buying cover for 1-2 people only, you will need to include either the Treatment option or the Diagnostics Only option in your plan.
We’re proud that our Business Health plan has been rated 5 stars by independent financial information business, Defaqto. The Defaqto 5-star rating is based on an assessment of the overall product including all options. If some of the options are not selected, this will affect the product’s star rating.
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*Phone lines are open 8:30am-5:30pm Monday to Friday. We may record and/or monitor calls for quality assurance, training and as a record of our conversation.
