If you travel abroad for business it’s a must do to obtain business travel insurance. This can give you cover in case your travel plans suffer from missed flights or to protect expensive equipment such as laptops and smartphones while you’re away on business.
There are two main types of business travel insurance:
- single trip travel insurance: if it’s a one-off business meeting
- annual travel insurance: if you travel regularly – or even just more than once a year – it could work out cheaper with this kind of policy.
If you’re employed by a large company, however, you could be covered by its own travel insurance, so check before you set off if you’re not sure.
Single Trip Business Travel Insurance
Single excursion spread is a movement protection strategy for an irregular occasion. In the event that you leave twice or all the more consistently, it could work out less expensive to purchase yearly travel protection. Be that as it may, if your fundamental occasion is simply once every year, single outing protection could be better esteem.
As indicated by our information, half of individuals could accomplish a solitary outing travel protection statement of £5 for a one-week excursion to Europe, in light of Compare the Market information in June 2019.
Obtaining business travel insurance with pre-existing medical conditions
You can still get travel insurance if you have a pre-existing medical condition, such as cancer or diabetes. However, you may need a specialist policy as not all providers offer cover for pre-existing conditions in a standard policy.
What is considered a pre-existing medical condition?
A pre-existing medical condition is an illness or injury that exists before, or at the time, you take out an insurance policy.
A list of most common pre-existing medical conditions include:
- high blood pressure
- high cholesterol
- respiratory problems including asthma
- joint and bone inflammation
- chronic illnesses such as cancer or stomach problems
Even non-physical conditions such as anxiety or depression should be disclosed to your insurance provider.
Pregnancy isn’t usually considered to be a medical condition and your insurance should cover you if you have a pregnancy-related emergency abroad (providing you haven’t had any complications beforehand) and you’re less than 37 weeks pregnant or 33 weeks pregnant with twins. As this can vary among insurance providers, it’s advisable to check directly with your provider before you travel.