Travel insurance

Insurance for a trip: medical, cancellations, baggage and other risks. It covers a range of things that can go wrong on a trip, from a medical emergency abroad to a cancelled flight or lost luggage. Companies typically arrange travel insurance as a standard part of their travel programme rather than leaving it to individual employees.

Corporate travel insurance is usually arranged as an annual policy covering all employees' business trips, rather than insuring each trip separately. Typical cover includes emergency medical treatment, medical evacuation and repatriation, trip cancellation and curtailment, delays, lost or damaged baggage, personal liability, and sometimes business equipment and security evacuation. Many policies also include access to a 24/7 assistance service.

When choosing or reviewing a policy, companies look at the level of medical cover — especially for destinations with high healthcare costs — exclusions for certain countries or activities, cover for bleisure extensions and long assignments, and how claims and assistance work in practice. It is also important that travellers know they are insured, what the policy covers and how to contact the assistance provider in an emergency. Policies should be reviewed annually.

Insurance works best when the company has accurate information about each trip. With Tumodo, all bookings are recorded in one system with traveller details, itineraries and documents, so the company can quickly confirm who was travelling, where and when — information that insurers and assistance providers typically need. Tumodo's 24/7 support team also helps travellers rebook and adjust arrangements when disruptions occur.