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Business Travel Insurance - Covid & travel outside FCDO advice cover
Travel policies which insure business travellers taking trips against FCO advice or cover claims relating to Covid-19
Travel Insurance which covers trips to areas where the FCO advise against travel
- battleface policies cover destinations including those under FCO and government essential and non-essential travel advisories
- battleface provide cover for emergency medical expenses caused by or resulting from COVID-19 for travellers up to the age of 59 or under. Anyone above 59 will remain covered for other illnesses and accidents subject to the policy benefits, limits and wording.
- There is no cover for expenses in relation to Covid-19 or any governmental travel restriction for any type of trip cancellations, curtailment of a holiday or lockdowns.
- Read Full Covid Cover Details
- Business Travel Upgrade Available
- No cover for any pre-existing medical conditions (within the last 12 months).
- Every country you visit must be added to the policy unless you only in transit through that country (i.e. do not leave airside at the airport)
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- European Single Trip Policies provide cover (except cancellation and curtailment) where the FCO advise against all but essential travel as a result of Coronavirus (COVID-19).
- No Business Travel Upgrade Offered
- Full Covid Cover Details - please click on the Coronavirus information link
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- European FCDO Travel Advice Extension will cover European trips taken against FCDO advice
- Does not cover you if travelling against local lockdown rules
- No cover for claims relating to Covid-19
- Good reputation for pre-existing medical condition cover.
- Single trip and annual European policies offered
- No Business Travel Upgrade Offered
- Special offer - 15 months for the price of 12 on Annual policies
- Full Travel Against FCDO Cover Details
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Travel Insurance providing some Cancellation Cover relating to Coronavirus
- Cancellation and Curtailment cover only provided if you are travelling to countries permitted by FCO.
- Cover for cancellation claims if you or a travelling companion test positive or are hospitalised just prior to trip
- Cover if you are denied boarding
- Medical Expenses Cover included for COVID19 while travelling as long as FCO are not issuing advice against travel or on European single trip policies.
- No cover if you have to self isolate
- No Business Travel Upgrade Offered
- Annual Multi Trip Policies include 15 months cover for the price of 12
- Full Covid Cover Details - please click on the Coronavirus information link
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- No cover for travelling against FCO advice or any Government restrictions (including UK lockdowns) or for changes to FCO or local Government travel advice while you’re away.
- Covers Cancellation within 14 days of your trip should you test positive
- Cancellation (or Curtailment costs if your trip has already started) if a close relative passes away after testing positive for coronavirus.
- Emergency medical and additional expenses, including getting you home
- Winter Sport Upgrade Available
- Read Full Covid Cover Details
- Pre-existing medical conditions can be covered.
- Policy will also offer cover for non Covid situations.
- Extensions for Cruise, Golf and Ski, but not Business Travel
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- No cover under new policies for any cancellation or curtailment claims if travelling when FCO Office are advising against travel to your destination.
- Covers cancellation if you fall ill with COVID-19 and are unable to travel or have to self-isolate.
- Cover for any medical claims due to COVID-19 whilst away. where the FCO are not issuing advice against travel.
- Cover if you need to come home early due to the illness of a close relative due to COVID-19
- Read Full Covid Cover Details
- No Business Travel Upgrade Offered
- Preexisting medical conditions can be covered.
- Policy will also offer cover for non Covid situations.
- Extensions for Business and Ski
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- Covers cancelling your trip if you have COVID-19 within 14 days of travelling
- Cancellation and repatriation cover if you’re denied boarding with a positive test for COVID-19
- Cancelling or cutting your trip short after death in the family from COVID-19
- Your travelling companion(s), people you live with or people you’re staying with on holiday being diagnosed with COVID-19 within 14 days of travel
- Also covers coronavirus (COVID-19) claims for emergency medical expenses and repatriation if you catch the virus during your trip.
- No cover if new restrictions on travelling are imposed due to Coronavirus.
- No Business Travel Upgrade Offered
- FCO recommendation against travel cannot be in place
- Full Covid Cover Details
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Travel Insurance for Business Trips during the Coronavirus pandemic
Whilst travel during the coronavirus pandemic has been severely curtailed there are still permissible reasons for travel - and one of those is business trips.
However even if travel is permitted many travel insurance policies are not covering Covid-19 risks so it is important for those taking an essential trip to find a business travel insurance policy that will insure you should you be unfortunate enough to contract coronavirus whilst away.
There are, however, exceptions to the rule and below we offer some suggestions of where to head to cover yourself against the financial burden catching Covid on a business trip would result in, although we should stress, particularly at this time, it is important to read the details of each policy carefully to ensure that your particular situation is covered.
One important point to make is that many insurers will not provide cover for travel to countries where an 'all but essential travel' ban is in place - so even if you are visiting on an essential business trip (which may well be permissible) those policies will still not offer cover at all.
Additionally its worthwhile pointing out that having travel insurance which covers you if you are travelling against FCDO advice does not in itself mean that you can travel - you still need to adhere to the coronavirus rules that apply to the county you live in.
Normally we advise to make sure you have travel insurance in place from the time you book your trip so that you will have cancellation cover in place from then on. In most cases this is weeks or months before your departure date.
In most cases our advice doesn't change (so you are covered if you have to cancel your business trip for an insurable reason) there some policies do not offer any cancellation cover. If buying one of those we suggest purchasing the policy 14 days before you depart. Then if your trip does not proceed you can cancel the policy within the 14 day cooling off period. Be aware you cannot cancel after the start date of the policy.
Is Business Travel Insurance available which offers specialist cover for professional travellers?
Yes - Battleface - featured in the policies suggested on this page do offer such an add on for business travellers.
It's a low cost option, and provides extra cover for those on a business trip. It does have a limit of £1000 for such claims, but would, for example, help pay for a replacement employee to take the place of an insured party who fell ill on a business trip (Covid is specifically excluded for trip cancellation though, and therefore such illness would prohibit a claim under this option).
It also covers theft or loss of business equipment or money.
To buy it go the the Add On section after completing your personal details.
A selection of policies covering a varying levels of Covid related cover include:
| Company | Product | Travel Against FCO Advice Permitted In Europe | Travel Against FCO Advice Permitted Worldwide | Covid Cancel Costs Covered | Cancellation Costs if Required to Self Isolate | Business Cover Upgrade Option | Excess | Single Trip 7 day One Traveller | More Info |
|---|---|---|---|---|---|---|---|---|---|
 | Travel Insurance |  | |  | | | £125 | £25.72 |  |
For full details of Coronavirus cover inclusions and exclusions please visit: battleface Coronavirus Policy Inclusions. battleface policies cover countries that include those that are under FCDO and government essential and non-essential travel advisories. battleface policies are operative irrespective of the traffic light colour and/or changes in FCDO travel advice. Travellers up to the age of 79 can buy this product. battleface provide cover for emergency medical expenses caused by or resulting from COVID-19 for travellers up to the age of 59 or under subject to the policy benefits, limits and wording. Cover for illness is not available for those 75 years or older. There is no cover for cancellation or additional expenses in relation to COVID-19 or any governmental travel restriction for any type of trip cancellations, curtailment of a holiday or lockdowns. Upgrade is available for Business Trips and Ski / Snowboarding Holidays. battleface do not currently provide annual or zonal policies as they assess each country to be visited individually at the time they are to be visited. | |||||||||
 | Standard Policy | | | | | | £195 | £12 | |
PLEASE NOTE: TRAVEL AGAINST FCO ADVICE IS ONLY PERMITTED IN EUROPE AND WHERE A SINGLE TRIP POLICY IS PURCHASED. The traffic light categorization red / amber / green does not affect cover on European Single trip policies. For full details of Coronavirus cover inclusions and exclusions please visit: Insurefor Coronavirus Policy Inclusions and click the Coronavirus information link. Winter Sports Upgrade available | |||||||||
 | Basic Policy with European Travel Extension Cover | | | | | | £100 | £14.82 | |
This policy will cover you for European Trips against FCO advice - but will not cover any claims for Covid-19 unless you are fully vaccinated. Up to £1,000 for additional accommodation and travel expenses if the FCDO advise travellers to return to the UK when abroad No cover you if you are breaking any lockdown rules in your area of the country (if a stay at home rule ins in place for instance). For full details of Coronavirus cover inclusions and exclusions please visit: Staysure Coronavirus Policy Inclusions. No winter sports upgrades on the basic policy, although can be covered on a comprehensive policy. Special Offer: 15 Months cover for the price of 12 on Annual Policies Staysure are strong in providing cover to those with a wide range of medical conditions | |||||||||
 | Standard Policy | | | | | | £125 | £7.89 | |
For full details of Coronavirus cover inclusions and exclusions please visit: Coverwise Coronavirus Policy Inclusions. Will not cover Covid related claims if you are travelling to a country if you are travelling to a destination where FCDO advise against travel due to Covid-19. If you are travelling to a Amber rated country please read the FCDO website to view the latest advice regarding your destination. Will not provide Covid related cover to Red countries as this rating relates to Covid related risks | |||||||||
 | Standard Policy | | | | | | £100 | £27.08 | |
Protect your future travel plans & travel with confidence from a brand that you can trust. Sking holiday cover available For full details of Coronavirus cover inclusions and exclusions please visit: Post Office Coronavirus Policy Inclusions | |||||||||
| Comprehensive Cover | | | | | | £65 | £11.78 | |
For full details of Coronavirus cover inclusions and exclusions please visit: Staysure Coronavirus Policy Inclusions Winter Sports options available on Comprehensive policies Special Offer: 15 Months cover for the price of 12 on Annual Policies Staysure are strong in providing cover to those with a wide range of medical conditions | |||||||||
The price examples above assume:
Single traveller aged 40 on a holiday to Spain No pre-existing medical conditions
If you have an existing travel insurance bought before mid March 2020 for travel arranged before that time it may also cover for cancellation (depending on the particular policy you purchased). Policies bought later, or trips arranged after are unlikely to be covered unless the policy specifically includes such cover as Coronavirus is a 'known event' and insurers declared that they would not cover it in future.
This content was last reviewed on 18/01/2021