10% discount +
Free Health Assessment cover option included
Free Health Assessment cover option (for year 1) + 10% discount. Available when purchasing health insurance for the first time (covering 1-64 employees). Must include Treatment or Diagnostics Only cover option for all and choose moratorium or full underwriting. Offer valid 01/10/26 - 31/12/26. Further T&Cs apply.
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 you can choose to extend cover to family members, 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 a Treatment Option on your business health insurance plan.
1 Adding family members will increase your premium.
2 If 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. If the insured member is terminally ill (by which we mean has a life expectancy of below one year at the start of the trip) we will not pay claims caused directly or indirectly by that terminal illness.
- You can choose to extend cover to family members too, even if they travel solo (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
- Cover for a total of 65 days per year, for trips within Europe, with a maxiumum of 25 days for each single trip.
- Pre-existing conditions: cover for emergency medical treatment abroad with support from our Emergency Medical Assistance service - pre-existing conditions would be covered, as long as your medical practitioner said you were fit to travel, in the week before you undertake your trip. If the insured member is terminally ill (by which we mean has a life expectancy below one year at the start of the trip) we will not pay claims caused directly or indirectly by that illness.
- Skiing and adventure sports: cover for bungee jumping, paragliding, canyoning, skydiving, scuba diving to a depth of 30 metres, mountaineering/climbing with ropes up to an altitude of 2,500 metres and trekking to an altitude of 5,000 metres, amongst other sports. Plus, cover for up to 17 days spent 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
- Cover for a total of 180 days per year for trips anywhere in the world, with a maximum of 65 days for a single trip.
- Pre-existing conditions: cover for emergency medical treatment abroad with support from our Emergency Medical Assistance service - pre-existing conditions would be covered, as long as your medical practitioner said you were fit to travel, in the week before you undertake your trip. If the insured member is terminally ill (by which we mean has a life expectancy below one year at the start of the trip) we will not pay claims caused directly or indirectly by that illness.
- Skiing and adventure sports: cover for bungee jumping, paragliding, canyoning, skydiving, scuba diving to a depth of 30 metres, mountaineering/climbing with ropes up to an altitude of 2,500 metres and trekking to an altitude of 5,000 metres, amongst other sports. Plus, cover for up to 17 days spent 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 travel insurance, there are exclusions and limitations.
- 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
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?
To give you an idea of how much business travel insurance could cost, we have included an example price below (if you’re buying the Travel Cover option you will also need to include the Treatment Option on your plan).
Treatment with Cancer Cover + Worldwide Travel Cover
= An average of £27.59 per employee, per month
The above example is based on six employees (aged 25, 30, 35, 40, 45 & 50), living in Guildford,with a £100 excess and a two year moratorium on pre-existing conditions. Treatment with Cancer Cover and Worldwide Travel Cover options included. Costs are representative as of October 2026, and prices will vary depending on location, cover options and ages. Annual price for plan £1,986.36.
What benefits are included as standard?
24/7 online GP service
Access to video or phone appointments with a GP or another registered clinical practitioner, where your employees will have plenty of time to talk through their health concerns. AXA Doctor at Hand is powered by Doctor Care Anywhere. Appointments are subject to availability. GPs are available 24/7 and other registered clinical practitioners are available 8am – 10pm.
Care for cancer and heart conditions
Our experienced healthcare professionals are available at the end of the phone day or night. Speak to our specialist cancer and heart nurses 9am-5pm Monday – Friday. Outside these hours our experienced nurses and counsellors provide round the clock support by phone.
Specialist appointment booking service
We can help your employees find an appropriate specialist. You'll need to include either an Outpatient option or our Diagnostics Only option with your business healthcare plan for the consultation to be covered.
Easing the pressure with physio
Access to our online muscles, bone and joint service to help your people manage or alleviate joint and muscle pain – whether it’s a bad back or sprained ankle. A physiotherapist will assess their symptoms online or over the phone and talk to them about what they could mean. Available for members aged 18 and over.
Health information and support
We’ll give your employees access to our 24/7 health support line. It comes as standard, no matter what cover options you choose, so your team can get help and support whether it's day or night.
The 24/7 health support line is not a diagnostic or advice service and it cannot respond to emergencies. If you require an urgent response or have a medical emergency please call 111/999 or attend A&E.
Access to gym discounts
In addition to your healthcare cover, you can get up to 40% off monthly Nuffield Health Fitness and Wellbeing centre memberships and Hussle Monthly+ pass fees for you and your employees.
Your team can find their motivation whether they're training for a marathon or just getting started. Offers are subject to change and do not form part of insured benefits. Get more information and terms and conditions.
We’re proud that our Business Health plan has been rated 5 stars and our Business Protect plan has been rated 4 stars by independent financial information business, Defaqto. The Defaqto ratings are 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.
Straightforward health and wellbeing info, straight to your inbox
Sign up to receive business-related health and wellbeing articles.
*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.