Best Business Travel Insurance Plans in 2025

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A. Fruchard
A. Fruchard updated on 8 July 2025
Table of Contents
  • The best business travel insurance plans
  • What exactly is business travel insurance?
  • The price of business travel insurance
  • What does business travel insurance cover?
  • The conditions of business travel insurance
  • Why take out business travel insurance?
  • How to choose the right business travel insurance
  • Do my current insurance policies cover business travel?
  • FAQ
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business travel insurance: key takeaways

1. Definition: Business travel insurance covers work-related risks like medical emergencies, trip cancellations, and lost business equipment.
2. Price: A one-week business trip to Europe typically costs between R800 and R1,500 for standard cover.
3. Coverage: It typically covers medical costs and business equipment but often excludes pre-existing conditions and unattended items.
4. Bank cards and health insurances: Bank cards and medical aids like Discovery offer limited cover, often excluding business-specific risks.
5. Tips: For frequent trips, choose an annual policy and ensure cover limits match your business equipment's value.
6. Other useful info: Your employer may have a corporate group policy with better rates; check with your HR department first.

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Why trust HelloSafe ?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 41 travel insurance policies available in South Africa, our experts share everything you need to know to choose the best business travel insurance.

The best business travel insurance plans

Here is a selection of the best business travel insurance plans available for residents of South Africa in 2025. These options are among the best due to their high coverage limits, low deductibles and streamlined processes for business travelers.

Contract we recommendMedical reimbursementDeductibleAdvantages
HelloTravel PremiumR5,0MR500• Covers business equipment.
• Rapid digital claims.
• Trip interruption covered.
• Dedicated helpline for travelers.
Cap Assistance 24/24R5,0MR500• 24/7 multilingual support.
• Covers lost laptops.
• Online travel certificate.
• Trip extension assistance available.
Tourist CardR4,0MR750• Quick replacement for lost documents.
• Laptop protection included.
• Refunds for business cancellation.
• Mobile app support.
World TravelR5,0MR600• Premium medical and business equipment cover.
• Concierge services.
• Extra accommodation for business interruption.
• Global coverage.
Globe PartnerR3,5MR800• Digital management.
• Unlimited document replacement.
• No-cost trip changes.
• Coverage for local and global business travel.
Globe TravellerR4,0MR600• Policy valid for 12 months.
• Multilingual assistance.
• Document and laptop cover.
• Rapid claim settlement.
HelloTravel Premium
Medical reimbursement
R5,0M
Deductible
R500
Advantages
• Covers business equipment.
• Rapid digital claims.
• Trip interruption covered.
• Dedicated helpline for travelers.
Cap Assistance 24/24
Medical reimbursement
R5,0M
Deductible
R500
Advantages
• 24/7 multilingual support.
• Covers lost laptops.
• Online travel certificate.
• Trip extension assistance available.
Tourist Card
Medical reimbursement
R4,0M
Deductible
R750
Advantages
• Quick replacement for lost documents.
• Laptop protection included.
• Refunds for business cancellation.
• Mobile app support.
World Travel
Medical reimbursement
R5,0M
Deductible
R600
Advantages
• Premium medical and business equipment cover.
• Concierge services.
• Extra accommodation for business interruption.
• Global coverage.
Globe Partner
Medical reimbursement
R3,5M
Deductible
R800
Advantages
• Digital management.
• Unlimited document replacement.
• No-cost trip changes.
• Coverage for local and global business travel.
Globe Traveller
Medical reimbursement
R4,0M
Deductible
R600
Advantages
• Policy valid for 12 months.
• Multilingual assistance.
• Document and laptop cover.
• Rapid claim settlement.

The best business travel insurance depends on your individual and company requirements. Use HelloSafe’s travel insurance comparison tool to find the right plan and subscribe online.

Compare the best travel insurance for freeI compare

What exactly is business travel insurance?

Business travel insurance is a specialised policy that provides protection for professionals travelling for work outside South Africa.

It covers unexpected events during work trips, including medical emergencies, lost business equipment, trip cancellation, and business interruption abroad.
Business travel insurance offers higher limits and extra guarantees such as coverage for laptops and important documents, distinguishing it from regular travel insurance.
This type of policy is also called corporate travel insurance and is essential for employees and employers needing reliable support while working internationally.

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Expert advice

Here are the situations where taking out business travel insurance is especially important if you are travelling from South Africa:
- When carrying valuable business equipment like laptops or important documents.
- If travelling to countries with high medical costs like the USA.
- For travel in Africa needing medical evacuation back to South Africa.
- When your destination country requires proof of insurance for a visa.
- If trip cancellation causes major financial or operational business losses.
- When your employer's policy mandates specific business travel insurance.
- If your work involves potential personal liability risks while abroad.

The price of business travel insurance

On average, business travel insurance costs between 2% and 5% of the total price of your trip.

TripTrip cost (ZAR)Indicative price per person (ZAR)
5-day meeting in London30,000600 to 1,500
2-week business project in New York80,0001,600 to 4,000
3-day local conference in Durban7,500150 to 375
10-day assignment in Dubai40,000800 to 2,000
A summary of various business trip costs.
5-day meeting in London
Trip cost (ZAR)
30,000
Indicative price per person (ZAR)
600 to 1,500
2-week business project in New York
Trip cost (ZAR)
80,000
Indicative price per person (ZAR)
1,600 to 4,000
3-day local conference in Durban
Trip cost (ZAR)
7,500
Indicative price per person (ZAR)
150 to 375
10-day assignment in Dubai
Trip cost (ZAR)
40,000
Indicative price per person (ZAR)
800 to 2,000
A summary of various business trip costs.

These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.

The price of your business travel insurance depends on several factors:

  • trip duration: longer business trips increase the cost of cover.
  • destination: insurance is more expensive for trips to countries with higher medical costs or increased risks.
  • traveller’s age: higher ages can increase the premium due to greater health risks.
  • coverage level: selecting higher limits or broader cover for business equipment raises the price.
  • business-related options: cover for business interruption, loss of documents, or emergency replacement of laptops and phones will add to the cost.
Compare the best travel insurance for freeI compare

What does business travel insurance cover?

Business travel insurance is designed to protect professionals during work-related trips, both in South Africa and abroad. It offers specific guarantees aimed at minimising business disruption while safeguarding the traveller and employer.

Covered guaranteeDefinitionExpert advice
🗒️ Trip cancellationRefund of costs if your business trip is cancelled before departure for a covered reason.A minimum of R15,000 is recommended, with a deductible below R500 per claim.
Cancellation due to company policy changes, visa refusal, or pre-existing illness is often excluded.
🛄 Business equipment coverCompensation for stolen, lost or damaged laptops, phones, or key business documents.Choose coverage of at least R40,000, deductible under R1,000.
Unattended items, normal wear and tear, and misuse are commonly excluded.
✈️ Missed departure or connectionsCovers costs if you miss a flight or onward connection due to delays outside your control.The recommended minimum cover is R15,000, with no deductible for valid claims.
Personal lateness, missed connections from tight schedules, or lack of evidence are excluded.
🏥 Emergency medical expenses abroadKey guarantee. Pays for hospital care, ambulance, and treatments needed during business trips overseas.Insist on at least R2.5M of cover, with no deductible or one under R500.
Chronic illnesses, routine care, and non-urgent treatments are excluded.
🚑 Medical repatriationKey guarantee. Pays for evacuation to South Africa in case of a serious medical emergency during your trip.Cover should be at least R2.5M, preferably unlimited. No deductible preferred.
Refusal to return, or voluntary stays abroad, are generally excluded.
💼 Business interruptionReimburses extra costs if your business trip is interrupted by illness or disruptive events.Choose at least R10,000 per incident, deductible below R500.
Non-emergency changes, voluntary curtailment, or events without documentation are excluded.
👔 Personal liability abroadCovers accidental damage or injury you cause to others during your business travel.Minimum R1.5M of cover, deductible under R1,000.
Professional mistakes, damage to rented items or family are excluded.
🛡️ Legal assistance abroadCompensation for legal fees or bail if involved in a formal dispute during a trip.Look for at least R50,000 for legal fees, deductible under R500.
Acts under the influence, criminal acts, or disputes with your own employer are excluded.
📑 Document replacementPays for emergency passport, visa, or key document replacement if lost or stolen.Target R10,000 cover, deductible no more than R200.
Negligence, incomplete reports, and old document replacements are excluded.
🧳 Baggage delayCovers cost of essentials if your luggage is delayed or misrouted during your business trip.Minimum R3,000 for delays of 24 hours or more, with no deductible.
Delays under 24 hours, failure to declare promptly, or documented exception cases are excluded.
🗒️ Trip cancellation
Definition
Refund of costs if your business trip is cancelled before departure for a covered reason.
Expert advice
A minimum of R15,000 is recommended, with a deductible below R500 per claim.
Cancellation due to company policy changes, visa refusal, or pre-existing illness is often excluded.
🛄 Business equipment cover
Definition
Compensation for stolen, lost or damaged laptops, phones, or key business documents.
Expert advice
Choose coverage of at least R40,000, deductible under R1,000.
Unattended items, normal wear and tear, and misuse are commonly excluded.
✈️ Missed departure or connections
Definition
Covers costs if you miss a flight or onward connection due to delays outside your control.
Expert advice
The recommended minimum cover is R15,000, with no deductible for valid claims.
Personal lateness, missed connections from tight schedules, or lack of evidence are excluded.
🏥 Emergency medical expenses abroad
Definition
Key guarantee. Pays for hospital care, ambulance, and treatments needed during business trips overseas.
Expert advice
Insist on at least R2.5M of cover, with no deductible or one under R500.
Chronic illnesses, routine care, and non-urgent treatments are excluded.
🚑 Medical repatriation
Definition
Key guarantee. Pays for evacuation to South Africa in case of a serious medical emergency during your trip.
Expert advice
Cover should be at least R2.5M, preferably unlimited. No deductible preferred.
Refusal to return, or voluntary stays abroad, are generally excluded.
💼 Business interruption
Definition
Reimburses extra costs if your business trip is interrupted by illness or disruptive events.
Expert advice
Choose at least R10,000 per incident, deductible below R500.
Non-emergency changes, voluntary curtailment, or events without documentation are excluded.
👔 Personal liability abroad
Definition
Covers accidental damage or injury you cause to others during your business travel.
Expert advice
Minimum R1.5M of cover, deductible under R1,000.
Professional mistakes, damage to rented items or family are excluded.
🛡️ Legal assistance abroad
Definition
Compensation for legal fees or bail if involved in a formal dispute during a trip.
Expert advice
Look for at least R50,000 for legal fees, deductible under R500.
Acts under the influence, criminal acts, or disputes with your own employer are excluded.
📑 Document replacement
Definition
Pays for emergency passport, visa, or key document replacement if lost or stolen.
Expert advice
Target R10,000 cover, deductible no more than R200.
Negligence, incomplete reports, and old document replacements are excluded.
🧳 Baggage delay
Definition
Covers cost of essentials if your luggage is delayed or misrouted during your business trip.
Expert advice
Minimum R3,000 for delays of 24 hours or more, with no deductible.
Delays under 24 hours, failure to declare promptly, or documented exception cases are excluded.

Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.

To identify the business travel insurance with guarantees that best match your needs, compare plans directly on HelloSafe.

The conditions of business travel insurance

Business travel insurance policies are only valid if certain conditions are met. These conditions may depend on the insurer but the main requirements in South Africa are as follows:

  • Professional purpose: the trip must be primarily for business reasons, such as meetings, conferences or site visits.
  • Pre-trip purchase: the insurance must be taken out before your business travel begins and while you are still in South Africa.
  • Traveller eligibility: coverage usually applies to South African residents and employees of registered companies in South Africa.
  • Clear documentation: proof of business purpose, such as an invitation letter, must be provided if requested by the insurer.
  • Trip duration limit: the travel period must fall within the policy’s maximum stay limit, for example 90 days per trip.
  • Area of travel: travel to countries under official travel warnings or sanctions is generally excluded from cover.
  • Incident reporting: you must notify the insurer as soon as practical after a claimable incident occurs.
  • Intended activities covered: only activities related to business and listed in the policy schedule will be covered, not manual work or hazardous activities.
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Watch out!

Many South Africans assume their bank card's free travel insurance is enough for business trips. These policies often have low medical limits and typically exclude crucial cover for business equipment like laptops, leaving you exposed to significant financial risk. Always check the fine print before you fly.

Why take out business travel insurance?

Travelling for business comes with many unexpected risks, and unforeseen medical costs abroad can quickly become financially overwhelming, impacting both you and your company.
Here are some examples of healthcare costs abroad:

Type of treatmentAverage costCovered by insurance
Foot sprain (X-ray and consultation)
  • Europe: R4,500
  • North America: R8,200
  • Asia: R2,800
Up to R5,000,000
Medical repatriation
  • Europe: R180,000
  • North America: R320,000
  • Asia: R150,000
Up to R3,000,000
Appendicitis surgery and hospitalisation
  • Europe: R85,000
  • North America: R450,000
  • Asia: R45,000
Up to R5,000,000
Stitches after a fall
  • Europe: R3,200
  • North America: R6,500
  • Asia: R1,900
Up to R5,000,000
Consultation and treatment for an intestinal infection
  • Europe: R2,800
  • North America: R5,200
  • Asia: R1,600
Up to R5,000,000
Foot sprain (X-ray and consultation)
Average cost
  • Europe: R4,500
  • North America: R8,200
  • Asia: R2,800
Covered by insurance
Up to R5,000,000
Medical repatriation
Average cost
  • Europe: R180,000
  • North America: R320,000
  • Asia: R150,000
Covered by insurance
Up to R3,000,000
Appendicitis surgery and hospitalisation
Average cost
  • Europe: R85,000
  • North America: R450,000
  • Asia: R45,000
Covered by insurance
Up to R5,000,000
Stitches after a fall
Average cost
  • Europe: R3,200
  • North America: R6,500
  • Asia: R1,900
Covered by insurance
Up to R5,000,000
Consultation and treatment for an intestinal infection
Average cost
  • Europe: R2,800
  • North America: R5,200
  • Asia: R1,600
Covered by insurance
Up to R5,000,000

Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.

In addition to medical expenses, business travel insurance can include useful protection: trip cancellation, lost or delayed work equipment, personal liability, emergency document assistance, business interruption and professional support services.

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Good to know

Don't let a medical emergency or lost laptop ruin your business trip. Healthcare abroad can cost hundreds of thousands of Rands, and bank card insurance often isn't enough. A dedicated policy, like one from ACS, provides comprehensive protection for you and your business assets.

How to choose the right business travel insurance

Business travel insurance policies can differ greatly, especially in reimbursement limits, coverage details, and policy conditions. Knowing how to compare the main criteria makes it easier to choose the policy that protects both you and your employer.

CriterionWhy it mattersExpert tip
💶 Reimbursement limitsA low limit could expose you to significant risk in case of expensive incidentsAlways select a plan with high enough limits for medical and equipment coverage.
📉 DeductibleThis is how much you pay out of pocket for any claimChoose a low deductible on medical and electronic items for better cost control.
📋 Policy conditionsSome benefits require specific advance booking or reportingRead all terms closely, especially for business equipment and trip interruption benefits.
👤 Traveller profileBusiness travelers need coverage for work assets and urgent meetingsEnsure your plan covers laptops, phones, and other essential business gear.
📆 Trip durationBusiness trips may extend unexpectedlyCheck if your policy allows extensions without major restrictions.
🌍 Geographic areaHealth and legal risks vary with regionPrefer global coverage, and verify that BRICS and Africa are specifically included.
🛡️ Existing coverageYou might already have partial protection via employer or bank cardCompare all policies to avoid gaps between personal, employer, and travel insurance.
🧳 Planned activitiesAttending trade shows, meetings, or site visits changes your risk profileDisclose all types of meetings and business events for proper liability coverage.
🖥️ Online subscriptionEnables quick enrolment and instant policy deliveryAlways use a secure website or app for enrolling, and store your proof of cover digitally as backup.
Key criteria to consider when choosing business travel insurance.
💶 Reimbursement limits
Why it matters
A low limit could expose you to significant risk in case of expensive incidents
Expert tip
Always select a plan with high enough limits for medical and equipment coverage.
📉 Deductible
Why it matters
This is how much you pay out of pocket for any claim
Expert tip
Choose a low deductible on medical and electronic items for better cost control.
📋 Policy conditions
Why it matters
Some benefits require specific advance booking or reporting
Expert tip
Read all terms closely, especially for business equipment and trip interruption benefits.
👤 Traveller profile
Why it matters
Business travelers need coverage for work assets and urgent meetings
Expert tip
Ensure your plan covers laptops, phones, and other essential business gear.
📆 Trip duration
Why it matters
Business trips may extend unexpectedly
Expert tip
Check if your policy allows extensions without major restrictions.
🌍 Geographic area
Why it matters
Health and legal risks vary with region
Expert tip
Prefer global coverage, and verify that BRICS and Africa are specifically included.
🛡️ Existing coverage
Why it matters
You might already have partial protection via employer or bank card
Expert tip
Compare all policies to avoid gaps between personal, employer, and travel insurance.
🧳 Planned activities
Why it matters
Attending trade shows, meetings, or site visits changes your risk profile
Expert tip
Disclose all types of meetings and business events for proper liability coverage.
🖥️ Online subscription
Why it matters
Enables quick enrolment and instant policy delivery
Expert tip
Always use a secure website or app for enrolling, and store your proof of cover digitally as backup.
Key criteria to consider when choosing business travel insurance.
Compare the best travel insurance for freeI compare

Do my current insurance policies cover business travel?

It is legitimate to wonder if your current insurances, such as credit card coverage or the public health system, are enough for business travel cover, but unfortunately they rarely meet the needs of business travellers. Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceBusiness travel insurance included?What it coversWhy Travel Insurance is better
Public health insurance (Discovery Health Medical Scheme)NeverUsually only emergency medical expenses in South Africa, up to R1,000,000.
No repatriation, business equipment cover, trip cancellation, liability, or assistance abroad.
Travel insurance covers up to R5,000,000 internationally and includes baggage, evacuation, liability, and business interruption.
Private health insurance (Momentum Health, Bonitas Medical Fund)Almost NeverEmergency stabilization treatment in South Africa or limited overseas care, up to R500,000.
No reimbursement for business interruption, equipment loss, or extra trip costs abroad.
Travel insurance offers up to R5,000,000, plus interruption, baggage, documents, and extended overseas coverage.
Classic credit card (FNB Gold, ABSA Gold)Almost NeverBasic emergency medical (max R300,000), limited baggage (max R8,000), only while using the card.
No cover for business equipment, business loss, trip interruption, or repatriation.
Travel insurance can offer up to R2,000,000 to R5,000,000 plus business-specific guarantees.
Premium credit card (Nedbank Private Wealth, Standard Bank Platinum)Limited CoverageSome overseas medical (up to R1,000,000), evacuation (up to R500,000), basic baggage loss or trip delay.
No comprehensive cover for business interruption, high-value equipment, or documents.
Travel insurance gives comprehensive business coverage, repatriation up to R5,000,000, and support for key losses.
Public health insurance (Discovery Health Medical Scheme)
Business travel insurance included?
Never
What it covers
Usually only emergency medical expenses in South Africa, up to R1,000,000.
No repatriation, business equipment cover, trip cancellation, liability, or assistance abroad.
Why Travel Insurance is better
Travel insurance covers up to R5,000,000 internationally and includes baggage, evacuation, liability, and business interruption.
Private health insurance (Momentum Health, Bonitas Medical Fund)
Business travel insurance included?
Almost Never
What it covers
Emergency stabilization treatment in South Africa or limited overseas care, up to R500,000.
No reimbursement for business interruption, equipment loss, or extra trip costs abroad.
Why Travel Insurance is better
Travel insurance offers up to R5,000,000, plus interruption, baggage, documents, and extended overseas coverage.
Classic credit card (FNB Gold, ABSA Gold)
Business travel insurance included?
Almost Never
What it covers
Basic emergency medical (max R300,000), limited baggage (max R8,000), only while using the card.
No cover for business equipment, business loss, trip interruption, or repatriation.
Why Travel Insurance is better
Travel insurance can offer up to R2,000,000 to R5,000,000 plus business-specific guarantees.
Premium credit card (Nedbank Private Wealth, Standard Bank Platinum)
Business travel insurance included?
Limited Coverage
What it covers
Some overseas medical (up to R1,000,000), evacuation (up to R500,000), basic baggage loss or trip delay.
No comprehensive cover for business interruption, high-value equipment, or documents.
Why Travel Insurance is better
Travel insurance gives comprehensive business coverage, repatriation up to R5,000,000, and support for key losses.
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Expert advice

South Africans, be aware: bank card and health insurance often exclude trip interruption for family emergencies. Read your policy's fine print carefully to avoid costly surprises abroad. In all cases, it is safer and more reassuring to subscribe to dedicated travel insurance tailored to your trip.

FAQ

Is business travel insurance mandatory?

Business travel insurance is not always mandatory, but it is required by some countries for visa applications, including members of the Schengen area and certain Asian destinations. Even when not mandatory, it is strongly recommended. For example, if a business trip to the USA is unexpectedly disrupted by illness or lost equipment, insurance covers the resulting medical and business losses.

When is it recommended to purchase business travel insurance?

The best time to buy business travel insurance is as soon as your business trip is confirmed and before making any major payments for flights or hotels. This ensures the widest possible coverage, including trip cancellation, and protects against unexpected incidents from the earliest stages of your planning.

How do I purchase business travel insurance?

First, compare offers—HelloSafe’s travel insurance comparator provides a good starting point to review available plans for business travelers. Second, carefully check what is covered and the exclusions specific to business activities so you avoid unpleasant surprises. Then, purchase your policy online. You will receive your digital certificate immediately by email, which you can use for visa applications or travel documentation.

Can I purchase business travel insurance after booking?

Yes, you can buy business travel insurance after making travel bookings, but some coverage, like cancellation benefits, might only apply to incidents occurring after the insurance is purchased. It is therefore best to buy your insurance quickly after confirming your trip to maximize protection.

How do I make a claim?

To claim, collect all supporting documents such as medical bills, police reports, or proof of trip interruption. Notify your insurer as soon as possible—usually within 30 days of the incident—then follow their instructions for submitting your claim online or by email. Claims are generally processed within a few days to a couple of weeks, depending on the claim’s complexity.

Does business travel insurance cover my work laptop and devices?

Most business travel insurance policies include specific cover for business equipment, such as laptops, phones, or tablets, up to a certain maximum amount. You should check the coverage limits for electronics—these usually range between R25,000 and R75,000— and review any conditions regarding unattended items to avoid rejected claims.

Are pre-existing medical conditions covered by business travel insurance?

Pre-existing medical conditions are often excluded or covered only under certain circumstances. It is essential to declare any health conditions when purchasing the policy. Some insurers may offer optional cover at extra cost or based on a recent medical assessment. Always read the policy wording to ensure you have adequate protection for any existing health issues.

What if my business trip extends unexpectedly?

Many business travel insurance policies allow you to extend coverage if your work trip is unexpectedly prolonged, such as for delayed projects or emergencies. You must usually notify your insurer before the original policy expiry and pay any additional premium needed, ensuring you maintain continuous insurance protection throughout your stay.

Is business travel insurance mandatory?

Business travel insurance is not always mandatory, but it is required by some countries for visa applications, including members of the Schengen area and certain Asian destinations. Even when not mandatory, it is strongly recommended. For example, if a business trip to the USA is unexpectedly disrupted by illness or lost equipment, insurance covers the resulting medical and business losses.

When is it recommended to purchase business travel insurance?

The best time to buy business travel insurance is as soon as your business trip is confirmed and before making any major payments for flights or hotels. This ensures the widest possible coverage, including trip cancellation, and protects against unexpected incidents from the earliest stages of your planning.

How do I purchase business travel insurance?

First, compare offers—HelloSafe’s travel insurance comparator provides a good starting point to review available plans for business travelers. Second, carefully check what is covered and the exclusions specific to business activities so you avoid unpleasant surprises. Then, purchase your policy online. You will receive your digital certificate immediately by email, which you can use for visa applications or travel documentation.

Can I purchase business travel insurance after booking?

Yes, you can buy business travel insurance after making travel bookings, but some coverage, like cancellation benefits, might only apply to incidents occurring after the insurance is purchased. It is therefore best to buy your insurance quickly after confirming your trip to maximize protection.

How do I make a claim?

To claim, collect all supporting documents such as medical bills, police reports, or proof of trip interruption. Notify your insurer as soon as possible—usually within 30 days of the incident—then follow their instructions for submitting your claim online or by email. Claims are generally processed within a few days to a couple of weeks, depending on the claim’s complexity.

Does business travel insurance cover my work laptop and devices?

Most business travel insurance policies include specific cover for business equipment, such as laptops, phones, or tablets, up to a certain maximum amount. You should check the coverage limits for electronics—these usually range between R25,000 and R75,000— and review any conditions regarding unattended items to avoid rejected claims.

Are pre-existing medical conditions covered by business travel insurance?

Pre-existing medical conditions are often excluded or covered only under certain circumstances. It is essential to declare any health conditions when purchasing the policy. Some insurers may offer optional cover at extra cost or based on a recent medical assessment. Always read the policy wording to ensure you have adequate protection for any existing health issues.

What if my business trip extends unexpectedly?

Many business travel insurance policies allow you to extend coverage if your work trip is unexpectedly prolonged, such as for delayed projects or emergencies. You must usually notify your insurer before the original policy expiry and pay any additional premium needed, ensuring you maintain continuous insurance protection throughout your stay.

A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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