Travel Insurance - Overview
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Read this guide to assist you in assessing your insurance requirements.
Individual or Family Travel Insurance
A travel insurance policy covers you or your families (if applicable) luggage, any overseas medical expenses incurred, money that is lost or stolen, personal accident benefits, loss of deposits and other contingencies appropriate for insured persons whilst travelling. This policy is usually purchased on one off basis and should be implemented from the date the deposit for travel is paid.
Corporate Travel Insurance
Coverage is similar to an Individual or Family travel policy except that the purpose of the travel is primarily for business. The policy can include cover for cost of replacement staff , extra territorial workers compensation, business equipment that travels with the insured and more. This policy is usually arranged on an annual basis and the business declares the destinations and usual duration of the trips and these are adjusted on the actual trips at the end of each insurance year.