Business Travel Insurance - Yonder

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Business Travel Insurance

Your work takes you yonder, possibly often and perhaps to repeat destinations. Insurance is likely a company expense, so ensure your coverage is with a reputable provider. Traveling for your job shouldn't leave you hoping you're insured.

Comprehensive
Coverage

Because your work can't afford to miss a beat (and since your company is footing the bill), let a strong comprehensive plan cover everything that could arise, including concierge service.

Well Known
Provider

You want a provider as credible as your business is. Look for a company that's internationally recognizable and has the backing of a large, established bank.

Multi-Trip
Options

Many business travelers are on the road a lot, so find a plan that covers your trips year-round. Don't waste time securing coverage each time you leave town.

What Does Good Insurance Coverage for Business Travelers Include?

Baggage Delay

In the event your baggage is delayed (anywhere from 12-24 hours) and you need to purchase replacement clothing or toiletry items, Baggage Delay coverage will reimburse those expenses (within reason).

Scenario: You arrive at your destination without your bags, including the suit you packed for an important client meeting. Don't dig into your per diem or travel budget - let 'Baggage Delay' coverage pick up the tab for your backup attire.

Business Property

Coverage for loss or damage to property that belongs to the company while you travel with it.

Scenario: Your company laptop is stolen from your hotel room while you're at dinner. You report the incident appropriately, then purchase a much-needed new computer for the next meeting. 'Business Property' coverage would reimburse you for the replacement up to the plan's limit.

Cancel for Work Reasons

This coverage offers additional acceptable reasons under 'Trip Cancellation and Interruption' coverage that relate to your employment, but affect personal travel.

Scenario: You've finally booked a long-anticipated family vacation, but suddenly are forced to cancel the trip when an unexpected work emergency develops. 'Cancel for Work Reasons' coverage would provide reimbursement for those non-refundable deposits you've placed towards your (now rescheduled) family trip.

Kidnap and Ransom

Unfortunately, there are places where kidnapping happens more often, especially targeting employees of well-known, well-resourced companies who can afford to pay a large ransom. This very specific coverage protects corporations against large financial losses in these instances.

Scenario: You're traveling for work overseas, and after a criminal group finds out what company you work for, you're kidnapped and held for ransom. Your company can contact your travel insurance provider to initiate the hiring of international consultants to negotiate your release and pay the ransom.

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Family Travel Insurance

Family trips mean you need coverage for the whole team. Mom, Dad, grandpa, kids and grown-up kids; every family is unique. When you're wrangling a group, anything can happen -- make sure you're covered.

Comprehensive
Plan

A vacation likely being a large investment for a family, comprehensive coverage ensures that the entire family is covered for almost anything that goes wrong -- foreseen or not. These plans typically offer additional coverage options, so you can tailor the plan to your family's needs.

Extensive Travel
Coverage

Trip Cancellation, Trip Delay, Baggage Loss and other coverage for travel logistics protect you financially while you attempt to manage all the moving parts should something go awry.

Excellent Claims
Ratings

It's important to find a provider with a great reputation for settling claims (the thing you're paying them for) rather than finding loopholes in the policy to avoid covering the claim.

What We Look For in A Family Plan

Family Coverage

If you're taking a father-son or mother-daughter trip, it's nice to know that some comprehensive plans include coverage for an adult and one dependant, usually between the age of 17-21.

Example: You're planning a mother-daughter trip to London. Since your daughter is 16 and your policy allows one child to be added under the age of 18, you're both covered by one policy. Put that money you saved towards another day in the city!

High Limits of Medical Coverage

If your child became ill while travelling in another country, Accident and Illness Medical coverage provides peace of mind and logistical support. You're just a call away from an emergency services specialist who can direct you to the nearest hospital, work with the medical provider to ensure you're receiving the treatment you need, or even arrange an emergency medical evacuation.

Example: You're having relaxing at a resort in Aruba with your wife and three kids when your youngest comes down with a high fever. You take him into the nearest clinic for a prescription -- and he's doing cannonballs in the pool the next day. When you return home from your trip, you can open a claim and submit those receipts from the prescription and be reimbursed.

Cruise Coverage/Missed Connection

Provides coverage for lodging, meals, and transportation to rejoin a cruise or tour if your flight is delayed because of weather or another complication, causing you to miss the initial departure.

Example: The cruise of your dreams has been booked and the kids couldn't be more excited. Unfortunately, a snowstorm in the midwest delayed your flight and you missed the ship's departure. Cruise Coverage would provide reimbursement for that unexpected hotel stay, meals, and your family's flight to the next port town to catch the ship and continue your vacation..

Trip Cancellation and Interruption Coverage

Every plan has a list of 'covered' reasons for cancelling or interrupting your trip which would be eligible for reimbursement. Common reasons include unexpected illnesses and weather that affect your travel.

Example: Someone in the family comes down with the flu a few days before your trip. Trip Cancellation and Interruption coverage would provide reimbursement for those prepaid, non-refundable payments included in your Total Trip Cost that you've made towards your family vacation.

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Seniors Travel Insurance

You should never stop exploring, which means you should find coverage without age requirements. And since entertainment, fine dining, and shuffleboard are more fun at sea, look for cruise coverage. Make the third act count.

Comprehensive
Coverage

Put your mind (and your family) at ease by purchasing a comprehensive trip insurance policy. They cover just about anything that could go wrong, including medical and other travel emergencies.

Multi-Trip
Plan

Retirees and empty nesters tend to use their increased freedom to travel, and often it makes sense to buy a policy that covers multiples trips. No need to waste time buying insurance over and over.

Flexible Age
Limitations

You don't let your age slow you down, so don't let your policy penalize you during your golden years. Find a plan that limits age-based rate increases.

What We Look For in a Seniors Travel Insurance Plan

High Amounts of Medical Expense Coverage

Falling ill or being in an accident in a foreign country can be an unnerving experience. All comprehensive travel insurance plans come with Medical Expense coverage, but the amounts differ. A plan that costs an extra $20 could provide hundreds of thousands of dollars of additional Medical Expense coverage.

Example: On the way to the pool at your resort in Costa Rica, you suffer a major heart attack. You're brought to the nearest hospital which provides the treatment you need, all the while you're provider ensures the hospital is resourced to offer you the best treatment, checking in with you and your family members on a daily basis.

Cruise/Missed Connection Coverage

Provides coverage for lodging, meals, and transportation to rejoin a cruise or tour if your flight is delayed because of weather or another complication, causing you to miss the initial departure.

You're finally taking that Mediterranean cruise you've been saving for. Unfortunately, a tropical storm has delayed your flight and you missed the cruise's departure out of Rome. Cruise Coverage would provide reimbursement for that unexpected night in the hotel, meals, and for your flight to the next port town to rejoin the the boat.

Pre-existing Condition Waiver

An optional (sometimes included) add-on to a comprehensive plan. If eligible, this waiver would provide coverage for those injuries or illnesses that may recur on your trip if they're considered "Pre-Existing Conditions".

Example: Nothing is going to stop you from taking the tour of New Zealand, not even your well-managed, chronic illness. Because you had added a Pre-existing condition waiver, medical expenses from an episode of your illness while traveling is covered under your plan.

Trip Cancellation and Interruption Coverage

Make sure your airfare and hotel costs are covered in the event you become ill, a family member passes away, or there's a natural disaster at your destination and you're forced to cancel your trip.

Example: You've finally booked your African safari and purchased travel insurance. Unfortunately, a few weeks before your trip, your mother falls suddenly and extremely ill and you need to care for her. The last thing you want to think about is the money you could lose by forfeiting deposits and non-refundable payments. Trip Cancellation and Interruption coverage refunds you for those prepaid trip costs, so you can put that money toward the safari next year and be with your family when they need you most.

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Adventure Travel Insurance

Let's assume you'd rather spend money on gear for the journey than insurance, so make sure to compare pricing for your coverage. And since you may be exploring for a while, look at long-term coverage. One-way ticket, anyone?

Travel Medical
Plan

Travel medical plans offer high medical limits to cover you as you push your physical limits. If you're looking for more gear or general travel coverage, consider a comprehensive plan.

Long Term,
Flexible Plans

Some travel medical plans are valid for 365 days of travel outside your country of citizenship, and are renewable if you need to extend your trip. Don't let your plan determine when the adventure ends.

Affordable

Many travel medical plans, unlike comprehensive plans, don't include additional coverage like trip delay or baggage coverage by default, often making them more affordable. Spend your money where it counts.

What We Look For in A Adventure Plan

Medical Expense

Provides coverage for unexpected medical bills incurred through injury or illness during your trip. This is crucial, as these costs can really add up quickly and are rarely anticipated financially.

For Example, You're trekking through Nepal and get elevation sickness; medical expense coverage would reimburse you for your medical costs paid out of pocket at a local hospital.

Adventure Sports

Consider adding special coverage called a sports rider for participation in any extreme sports. It provides additional medical coverage for generally excluded activities such as mountain climbing, skiing, bungee jumping, or whitewater rafting -- the really fun stuff.

Example: While whitewater rafting in Chile, you're thrown from the raft, hitting a rock, and break your arm. With the adventure sports rider, you'd be reimbursed for both medical expenses and evacuation expenses from the small Chilean town to the nearest hospital.

Sport Rental Coverage

If your recreational equipment is delayed, damaged, stolen, or lost, you'd be reimbursed for rental gear so you can keep climbing, paddling, jumping, or whatever you're there to do.

Example: You're ready to hit the slopes in Canada, but the snowboard you shipped ahead of you has yet to arrive. Sport rental coverage would reimburse you for the cost to rent a snowboard from the resort until your board joins you, making sure you don't miss out on any fresh powder.

Trip Cancellation and Interruption Coverage

Provides reimbursement of your trip cost (such as airfare, hotel, tour deposits) if your trip is cancelled or interrupted due to a covered, unforeseen reason.

Example: You've booked an amazing seven-day coasteering trip in Ireland with friends. A few days before you would depart, you fall extremely ill. Since your policy included Trip Cancellation and Interruption coverage, you'll be reimbursed for your trip cost if you decide adventure travel isn't wise in your condition.

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Travel Insurance for Journalists

Every moment you spend wondering what you'd do if something happened to your equipment impedes your ability to capture the story. Gear coverage is a must. Depending on where you're headed, political evacuation coverage may be worth considering, too.

Travel
Medical

Nothing slows down your work like an injury or illness, so you'll want to seek a plan with high medical coverage limits to ensure both the medical assistance you may need and financial peace of mind. If you'd like a plan that covers other travel necessities, including your gear, consider a comprehensive plan.

Evacuation
Membership

If you're most concerned about quick removal/transportation to a safe place because of an unstable situation, explore an annual evacuation membership as an alternative to a traditional travel policy.

Flexible / Worldwide
Coverage

We know your travel plans may suddenly change; look for flexible plans that change with you in a pinch, including worldwide coverage and flexible dates.

What We Look For in A Journalism Plan

Baggage and Personal Effects Loss

It's possible that you're carrying equipment essential to your project. In the event your baggage or personal items are lost, stolen, or damaged during your trip, this coverage would provide reimbursement for the original or replacement items.

Example: You're on assignment in Thailand and your camera is stolen right out of your hands while taking pictures on a rickshaw. You file a police report, but sadly the culprit is never found. Baggage and Personal Effects Loss would provide partial or full reimbursement for your camera.

Medical Evacuation

Sometimes the nearest hospital isn't equipped to provide the treatment you need in the event of an injury or illness. Medical evacuation coverage would provide transportation to a nearby facility that offers appropriate medical care.

Example: You're deep in the bush in Africa contributing to a story on the influx of luxury resorts in the area. You climb a tree to get a better shot of the nearby zebras and lose your balance, breaking your leg. The nearest hospital isn't resourced to repair your leg, so your plan's emergency services provider arranges transportation to the nearest facility that can perform surgery. Once treated, you decide to return home rather than continuing your trip; travel arrangements are taken care of by your provider.

Non-medical Evacuation

Sometimes the area you're covering is also an area prone to dangerous events. Many plans include coverage for your non-medical evacuation during situations such as natural disasters, political unrest, and terrorist acts occurring nearby as you travel.

Example: You're covering a story in Turkey and a terrorist attack occurs in the city where you're reporting. You call the emergency services provider for your plan, who arranges your immediate evacuation out of the country and back home.

Trip Delay

Coverage for your hotel stay, meals, and public transportation should your flight be delayed for more than 12 hours. Don't let a canceled flight cost you, especially if your airline doesn't cover your expenses.

Example: Just as you're about to head home from a photographic tour of Iceland, a volcano in a nearby country erupts and your flight is delayed for two days. Trip Delay coverage would reimburse you for those two additional nights in your hotel, meals, and the cost it takes to get to and from the airport.

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International Travel Insurance

Tours are an incredible way to experience parts of the world, but sometimes the plane, train, bus, or boat is delayed, and you'll be glad you added trip delay coverage to take care of added expenses. Consider a provider with a reputation for quality claims service on the go, too.

Comprehensive
Plan

There can be many different elements to a touring trip, and a comprehensive plan will offer add-on coverage options to meet your specific needs, all while including both medical and travel coverage.

Extensive Travel
Coverage

Travel add-on options such as Trip Cancellation, Baggage, and Missed Connection coverage are essential when your trip has so many moving parts and opportunities for things to go awry.

Excellent Claims
Ratings

Since a touring trip is most likely a large financial investment, purchase a plan from a provider with excellent claims ratings. You want financial coverage that really does come through when you need it.

What We Look For in an International Travel Insurance Plan

Trip Delay Coverage

In the event your trip is delayed, this coverage would provide reimbursement for those unexpected expenses like hotel accommodations, meals, and cab rides.

Example: You've just completed a culinary tour through Chile, and you're ready to head home. The day of your departure, there's an unannounced transportation strike and you have no way to commute to the airport, keeping you in town longer than expected. Trip Delay coverage would provide reimbursement for an additional hotel stay, meals, and cab to the airport.

Medical/Medical Evacuation Coverage

Since your healthcare most likely does not extend to the various destinations you hope to visit, medical and medical evacuation coverage will provide peace of mind in the event you need to seek medical attention.

Example: While sightseeing in India, you come down with a terrible virus. You call the 24/7 emergency assistance number associated with your travel insurance plan and they direct you to the nearest hospital. After seeing a doctor and receiving a prescription, you are feeling better after a couple days and ready to tackle that tour of the Taj Mahal. You file a claim when you return home and are reimbursed for those medical expenses you had paid out of pocket.

Baggage Delay Coverage

In the event your baggage doesn't arrive at your destination, for most plans within 24 hours, Baggage Delay would provide reimbursement for additional clothing and personal items you need, within reason.

Example: Finally, you're able to take that river cruise down the Rhine. When you arrive in Paris, your baggage does not. Baggage Delay would reimburse you for the cost of a change of clothes, toothbrush, and any other necessary items that didn't make it to you in time.

Optional Add-on Coverage

Some comprehensive plans give you the option to add optional coverage like rental car coverage, Cancel for Any Reason coverage, and medical upgrades. You know what your tour entails, so it's nice to choose coverage options that apply to you.

Example: After your tour of the coral reefs in Australia, you decide to spend a week driving around the South Island in New Zealand, which is why you added the optional rental car coverage. While driving your rental car, you stop to let a herd of sheep cross the road. Unfortunately, the driver behind you doesn't stop in time, rear-ending you and totaling the rental car. Rental car coverage would provide peace of mind, knowing that the cost of buying a new car isn't going to come out of your pocket.

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Student Travel Insurance

Studying abroad is one of the most valuable travel experiences you can undertake. It's also one of the lengthiest types of travel, so long-term coverage is the way to go. A lot can happen in a semester (acclimating to a new lifestyle abroad), so strong medical coverage should also be considered.

A Comprehensive or
Travel Medical Plan

Your study abroad program or university likely has medical limit minimum requirements. A travel medical plan would be the most affordable way to reach those limits. Additionally, a comprehensive plan would provide additional travel coverage such as trip cancellation and baggage loss during your time abroad.

Single Trip
Plan

Don't pay more for a multi-trip plan, as this is likely the one and only travel experience for your year. Make it count.

Extended
Coverage

Students may be studying abroad for up to a year, including time on-campus and related travels, so it's essential to choose a plan with up to 365 days of coverage.

What A Student Insurance Plan Should Include

Medical Expense Benefit

You're probably on a tight budget, so find a plan with coverage for any unexpected medical expenses that arise during your trip. Don't risk being responsible for potentially exorbitant medical bills, friends.

Example: You're climbing to get a good look at Christ the Redeemer during your semester abroad in Rio de Janeiro, Brazil. During the climb, you stumble over a patch of loose rocks and break your wrist. You need a cast and a prescription medication. Medical Expense benefit would provide reimbursement for those medical expenses.

Medical Evacuation

Sometimes the nearest hospital isn't equipped to provide the treatment you need in the event of an injury or illness. Medical evacuation coverage would provide transportation to a nearby facility that offers appropriate medical care.

Example: While getting your MBA in London, you take a weekend trip to Iceland, where you come down with a serious illness and need to be evacuated to the nearest hospital. The emergency services provider arranges all the transportation, and even sets up direct billing with the hospital. You're diagnosed, treated, and feeling better within a week, and your transportation back to London is arranged for you.

Trip Cancellation and Interruption

Because life sometimes throws you a curveball, every plan has a list of 'covered' reasons for cancelling or interrupting your trip which would be eligible for reimbursement. Common reasons include unexpected illnesses and weather that affect your travel.

Example: A couple of weeks before the end of your semester, your grandfather suddenly passes away. Trip Interruption would provide coverage for a change of flight, or can even purchase a flight for you to make it home in time for the funeral. Now you can focus on your family, not your travel.

Baggage & Personal Effects Loss

Textbooks and other school supplies are expensive! In the event your baggage or personal items are lost, stolen or damaged during your trip, this coverage would provide reimbursement for the original or replacement items.

Example: You make it to South Africa for your semester in Cape Town without issue, but your baggage seems to have taken a detour. After waiting awhile for its arrival, your baggage is declared lost. Baggage coverage would provide reimbursement for the items you lost, or for the replacements you purchased in Cape Town.

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Cruise Travel Insurance

Cruises are truly a unique way to travel with family, friends, or even solo. Did you know that as soon as you enter into international waters, your domestic health plan no longer covers you. As with any travel, there are coverage considerations specific to cruises -- use this guide to make an informed decision about which travel insurance policy works for you.

Coverage for the
Whole Family

For families, a cruise can be a fun, all-inclusive way to keep both kids and parents entertained in one beautiful place. Look for plans that cover one or more children at no additional cost.

Book Early

Purchase a cruise travel insurance policy at the same time as your cruise to ensure those sudden and unexpected cancellations are covered.

Coverage From Cruise Companies is Limited

Travel insurance booked through cruise companies often lacks essential coverage. It’s nice that cruises attempt to be “all-inclusive,” but don’t bet your finances against their limited insurance coverage.

What We Look For in A Cruise Plan

Missed Connection Coverage

You’ll want to make sure your plan provides coverage for lodging, meals, and transportation to rejoin the cruise if your flight is delayed because of weather or an accident, causing you to miss the initial departure.

Example: While heading out on that Mediterranean cruise you've been saving for, a tropical storm delays your flight and you miss the cruise’s departure out of Rome. Missed Connection coverage would provide reimbursement for that unexpected hotel stay, meals, and your flight to the next port town to rejoin the ship.

Emergency Medical Evacuation

Sometimes the cruise ship or even the nearest hospital isn't equipped to provide the proper treatment you need while suffering from an injury or illness. Medical Evacuation Coverage would provide transportation to a nearby facility that offers appropriate medical care.

Example: On a Disney Cruise through the Bahamas, you stumble while chasing your son poolside and break your arm. You call the 24/7 emergency assistance number associated with your travel insurance plan, and you are immediately airlifted from the next port to a nearby hospital to for treatment. Your transportation back to the ship is arranged by your policy’s emergency service provider, so you can rejoin your family for the remainder of the cruise -- ideally with a waterproof cast.

Trip Cancellation/Interruption

Make sure your non-refundable trip costs (such as flights, hotels, and cruise deposits) are protected if you become ill, a family member passes away, or there’s a natural disaster at your destination and you’re forced to cancel your cruise this time around.

Example: After booking a much-anticipated Nile River Cruise, a family member falls extremely ill the week of your departure and you’ll need to cancel. Thankfully, you booked a comprehensive travel insurance policy with Trip Cancellation coverage. You’ll receive reimbursements for those non-refundable trip payments so you can begin rescheduling your trip for a better time.

Medical Expense Coverage

Illness or injury aren’t exclusive to adventure travel, and medical bills can be surprisingly costly. Ensure your plan has coverage for medical expenses that may arise onboard or at one of your scheduled ports.

Example: A few days into your week-long cruise through Southeast Asia, you pick up a virus and need to visit the cruise’s in-ship doctor. After receiving a prescription and taking a couple of days to rest, you’re back in action. The cruise company will bill you for the medical treatment, but with Medical Expense Coverage you can file a claim with your travel insurance provider and receive reimbursement for those medical costs within a few weeks.

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Don't Box Me In Plan Essentials

Perhaps you're traveling for a variety of reasons, your trip has multiple legs that each require a different set of considerations, or you simply prefer to research travel coverage based on your own criteria. Sometimes your trip doesn't fit into a specific style or category of travel -- that's totally normal. We have all the information you need to make an informed decision or purchase. We're here to help you plan a safe, cost-effective, and stress-free trip.

What We Look For in A Don't Box Me In Plan

Medical Emergencies / Medical Evacuation

Medical coverage is the most valuable type to consider, since medical expenses can end up costing you the most -- by far. Your existing health insurance likely offers very limited or no coverage outside of the United States. Medical coverage under a travel insurance policy protects you against major medical expenses in the event of a health or accidental emergency, which often require costly care. Don't be left with (potentially) hundreds of thousands of dollars of hospital expenses if you slip and fall, contract a virus, or experience another common ailment.

Travel Emergencies

Flights are often delayed, and those delays can affect more than your time -- unexpected hotel stays and meals can be an added expense if your travel is delayed or canceled. You may find out your luggage is stuck in Cairo for days after you've already landed in Mumbai, or it's lost altogether, leaving you responsible to replace personal items. Travel insurance coverage options such as Baggage & Personal Effects Loss, Trip Delay, and Baggage Delay should be considered to prevent being blindsided by the cost of travel mishaps which are all too common.

Cancellation / Interruption

Every now and then, life happens unexpectedly before or during a trip, and you're required to change your plans because of a work crisis, medical condition, terrorist attack, or death of a loved one. Cancellation/Interruption coverage provides reimbursement for non-refundable, prepaid deposits or payments made towards your trip in the event you need to cancel or interrupt your trip. Don't find yourself stretched financially as you reschedule your trip -- expect the unexpected so you can be reimbursed and get back on the road again soon.

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