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What is Business Travel Insurance?
eSanad Business Travel Insurance makes business travel safe and stress-free for your employees. The policy protects your company's investment and employees' well-being while they are travelling for work.
Types of Business Travel Insurance Policy
Choose the plan that suits your business travel needs:
Single Trip Insurance
Ideal for businesses with occasional travel needs. Covers a single specific trip for one or more employees.
Multi-Trip Annual Insurance
Best for frequent travelers. Covers multiple trips throughout the year under a single policy, saving time and money.
Group Travel Insurance
Designed for groups of employees traveling together or separately. Offers cost-effective coverage for teams.
Inbound Travel Insurance
Provides coverage for business partners or employees visiting the UAE from abroad.
Who Should Buy Business Travel Insurance?
Any company with employees who travel domestically or internationally for business should consider this insurance:
Multinational Corporations
Small & Medium Enterprises
Consultancies
Sales Teams
Event Organizers
NGOs
Features of Business Travel Insurance
Key features that ensure peace of mind for your business travelers:
1.
Global Medical Assistance
Access to medical care and emergency assistance anywhere in the world, 24/7.
2.
Trip Cancellation & Delay
Reimbursement for non-refundable expenses if a trip is cancelled or delayed due to unforeseen reasons.
3.
Baggage Protection
Coverage for loss, theft, or delay of checked-in baggage, ensuring business essentials are protected.
What’s covered in Business Travel Insurance?
Coverage typically includes:
Medical emergencies & hospitalization
Emergency medical evacuation
Trip cancellation & curtailment
Flight delays & missed connections
Loss of passport or travel documents
Loss of checked-in baggage
Personal accident coverage
Travel assistance services
Personal liability
Hijack distress allowance
Home burglary insurance (while traveling)
Legal expenses
Dental treatment (emergency due to accident)
Repatriation of mortal remains
Financial emergency assistance
What’s Not Covered in Business Travel Insurance?
Exclusions typically include:
Pre-existing medical conditions (unless declared and covered)
Self-inflicted injuries or suicide
Participation in extreme sports or hazardous activities (unless covered)
Alcohol or drug abuse related incidents
Traveling against medical advice
Losses due to war, civil unrest, or terrorism (unless covered)
Illegal acts by the insured
Schengen visa rejection (check specific policy terms)
Frequently Asked Questions
It typically covers medical expenses, trip cancellations, lost baggage, flight delays, and personal liability for employees traveling for business purposes.
While not always strictly mandatory for every visa, it is highly recommended and often required for Schengen visas or by specific employers to ensure duty of care.
Yes, a Group Business Travel Insurance policy allows you to cover multiple employees under a single plan, often at a discounted rate.
Coverage for pre-existing conditions varies by policy. Some policies offer it as an add-on, while others may exclude it. It's best to check with our experts.
