Travel Cover option
Medical problems and emergencies can be incredibly worrying – and expensive – particularly if they happen when you’re abroad. With our business travel insurance, you and your team can travel for business or leisure knowing you’ll get the treatment you need if you fall ill or get injured in an accident. Two levels of travel cover are available - European or Worldwide. We’ve packed in a range of travel-related benefits too, and with some policies you can even insure family members too - even if they travel solo.1
In order to use this option, you must be medically fit to travel.2 If you’re buying the Travel Cover option you will also need to include the Treatment Option on your plan.
1Adding family members will increase your premium.
2If you are not fit to travel, you will not be covered under Section 1 Cancellation or cutting short a trip or Section 2 Medical emergency and repatriation expenses.
Peace of mind on the road
- Know that you and your team are covered for emergency medical treatment if the worst happens when you’re travelling abroad.
- Enjoy peace of mind with access to our 24-hour international emergency medical assistance.
- Under European Cover you have a 25 day trip length limit, and can be overseas for a maximum of 65 days.
- Under Worldwide Cover you have a 65 day trip length limit, and can be overseas for a maximum of 180 days.
- Under both European and Worldwide Cover, you have cover for business travel.
- Benefit from cover on UK trips when you have two nights pre-booked accommodation or pre-booked transport at least 50 miles from home.
- No need for you or your employees to provide a medical history. All pre-existing medical conditions you or your employees have will be covered abroad, if your medical practitioner says you’re fit to travel (excluding terminal illness).
- On some policies cover is available for family members too (family members must be added on and this will increase your premium).
When it’s the wrong sort of break
David is co-founder of a digital agency based in London. A few of his clients are based in the US, so David and his team of 15 regularly travel over there for meetings. Recently, on a business break to New York, one of David’s account managers, Sarah, had a nasty fall and broke her ankle. David had the Worldwide Cover option on their small business insurance, so Sarah was treated swiftly without the worry of a large treatment bill coming her way.
As David is a keen skier, he often takes to the slopes when he’s abroad, so it helps that he’s insured for on-piste winter skiing, too (Sarah doesn’t join him).*
*There is a 17 day limit to any holiday in a winter sport resort.
Choose from two levels of cover
European Cover
Pre-existing conditions: cover for treatment and assistance abroad for all pre-existing conditions, other than terminal illness.
Skiing and adventure sports: cover for bungee jumping, paragliding, canyoning, skydiving, scuba diving down to 30 metres and trekking to a height of 5,000 metres, amongst other sports. Plus, cover for up to 17 days spent away in a winter sports resort during the period of your insurance.
Cover for employees and family members: aged up to 85.
Business or leisure travel: it doesn’t matter if your employees are travelling for work or in their own time.
Worldwide Cover
Pre-existing conditions: cover for treatment and assistance abroad for all pre-existing conditions, other than terminal illness.
Skiing and adventure sports: cover for bungee jumping, paragliding, canyoning, skydiving, scuba diving down to 30 metres and trekking to a height of 5,000 metres, amongst other sports. Plus, cover for up to 17 days spent away in a winter sports resort during the period of your insurance.
Cover for employees and family members: aged up to 85.
Business or leisure travel: it doesn’t matter if your employees are travelling for work or in their own time.
What's not covered?
As with most private healthcare plans, there are exclusions and limitations.
- For any costs incurred when travelling against Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority advice.
- If you aren't medically fit to travel or travel against medical advice.
- For any claims for cancellation, cutting a trip short, medical emergency and repatriation expenses where the insured member has a terminal prognosis.
- For cancellation: any loss or expense where you cannot travel or choose not to travel because of Government or regulatory authority restrictions relating to a pandemic declared by the World Health Organisation; and/or
- For any loss or expense relating to your disinclination or reluctance to travel following a pandemic or due to compulsory quarantine on arrival at your destination or on return to your home area.
If you'd like to find out more about what is and isn't covered, call us on 0800 389 7413* or request a callback.
How much does business travel insurance cost?
As with most insurance products, the cost of business travel insurance will depend on a number of different factors including the ages of those you are covering and the underwriting option chosen.
To give you an idea of how much business travel insurance could cost, we have included an example price below.
An example plan: From £28 per month, per employee^
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^The above example is based on six employees (aged 25, 30, 35, 40, 45 & 50), living in Guildford, paying annually for a 5% discount, with a £100 excess and a two year moratorium on pre-existing conditions. Treatment and European Travel Cover options included. Costs are representative as of October 2023, and prices will vary depending on location, cover options and ages.
Included as standard:
Regardless of the cover options that you choose, you'll have access to the following included as standard:
- 24/7 access to a private GP - Access to our 24/7 phone and video GP service, AXA Doctor at Hand (powered by Doctor Care Anywhere). Appointments are subject to availability. Advanced Nurse Practitioners available 8am-10pm.
- Muscle, bone and joint support - You and your team aged 18 and over get access to a physiotherapist over the phone, or online without the need for a GP referral.
- Health information phone line - Our helpline is open 24/7 for health information and support from nurses and counsellors. Midwives and pharmacists are available from 8am-8pm Monday to Friday, until 4pm on Saturday, and until 12pm on Sunday.
- Heart and cancer support - Get support from our experienced health practitioners, who can support you and your family when living with heart and cancer conditions.
- Gym discounts - In addition to your healthcare cover, you can get Up to 40% off monthly Nuffield Health, Fitness and Wellbeing centre membership and Hussle Monthly+ pass fees** for you and your employees. Which means your team can find their motivation, whether they’re training for a marathon or just getting started.**
Build a plan that's right for you and your business
At AXA Health, we know that every small business is unique. That’s why we offer a choice of healthcare cover options and benefits that you can select from, so that you only pay for the cover you want.1
Choose your cover options to create a package that works best for you and your team. For inspiration, take a look at our example plans. For more help, speak to one of our advisors on 0800 389 7413*
1If you are buying cover for 1-2 people only, you will need to include either the Treatment option or the Diagnostics Only option in your plan.
Defaqto - 5-Star Rated
We’re proud that our Business Health plan has been rated 5 stars by independent financial information business, Defaqto.
The Defaqto 5-star rating is based on an assessment of the overall product including all options. If some of the options are not selected, this will affect the product’s star rating.
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* Phone lines are open 8:30am-5:30pm Monday to Friday. We may record and/or monitor calls for quality assurance, training and as a record of our conversation.
**Discount applies to Nuffield Health fitness and wellbeing centre monthly individual membership only. Your employees must provide proof of membership and/or employer. You, your spouse, partner or dependent must be a named member on a current AXA Health healthcare plan to get a 40% discount and be 18 years or older. As a member, you can access your home club (the one you select on joining) as well as many more clubs around the country. These depend on your home club. You must use your home club at least 50% of the time. The joining fee is £39 and may be subject to change by Nuffield Health. Existing members of Nuffield Health who transfer to a 40% off AXA Health discount will be charged a £39 administration fee by Nuffield Health. AXA Health reserves the right to withdraw or alter this offer at any time. The Read full terms and conditions at axahealth.co.uk/terms/gym-discount.
40% off Nuffield Health 24/7 online memberships - available to your employees and their spouses, with or without an AXA Health membership. Read full terms and conditions at axahealth.co.uk/terms/gym-discount.
40% off the purchase of a Hussle Monthly+ pass is available to members on an AXA Health healthcare plan. A partner or spouse and direct dependants included on their healthcare plan can also get 40% off the purchase of a Hussle Monthly+ pass. 33% off a Hussle Monthly+ pass is available to employees of AXA Health healthcare clients not covered by a company healthcare plan. They must provide proof of employer. Members must be over 16 to redeem AXA Health discounts with Hussle. Some venues have alternative age restrictions and will be flagged on the gym details page. Read full terms and conditions at axahealth.co.uk/terms/gym-discount.