When travelling for any reason, the best policy is to be prepared. Of course, no one wants to deal with a bad scenario when heading abroad, but the fact is that there is the potential for it to happen. So, how do you prepare, especially for a business trip?
Your employer has a duty of care towards you, and that extends to wherever you are in the world if you’re carrying out work on their behalf. So, what type of cover should you have in place before heading off on a business trip? Accident at work solicitors, True Solicitors, has created this guide to help you confirm everything you need in place before you go abroad on a work trip.
What employer’s liability insurance covers
Employer’s liability insurance does indeed cover illness and injury, whether it occurs on or off-site. But, as Bluefin Professions notes, this isn’t enough to cover everything that could happen when abroad. For starters, employer’s liability insurance doesn’t cover cancelled flights. It doesn’t cover all medical costs, nor does it provide any support with repatriation costs. If nothing else, flights and travel bookings get delayed or cancelled quite frequently – it’s worth getting business travel insurance just for that!
A European Health Insurance Card (EHIC) is certainly useful, but it isn’t a substitute for business travel insurance. This is because an EHIC has certain limitations. As stated on the NHS website, an EHIC will cover:
- The right to access state-provided healthcare during the visit. This is often free, or at least at a reduced cost.
- Treatment of a chronic or pre-existing medical condition should it be needed during the visit.
- The provision of oxygen and kidney dialysis, but these must be pre-booked before the trip. If a private provider is booked, however, this isn’t covered.
- Routine medical care for people with pre-existing conditions that need monitoring.
It does not cover:
- Private medical healthcare.
- Private medical costs such as mountain rescue at ski resorts.
- Being flown back to the UK.
- Treatment on cruises.
- Lost or stolen property.
- Medical expenses if travelling abroad specifically for treatment.
- Some parts of the EEA (European Economic Area).
And, as with employer’s liability insurance, it doesn’t cover non-medical aspects of a journey like cancelled flights or stolen belongings.
Company credit card cover
Yes, some expenses can be claimed back through your company’s credit card insurance. Corporate Traveller points out that credit card insurance is often quite basic, with limits surrounding the claim amounts and how long the trip is. Also, as MoneySupermarket points out, while Section 75 of the Consumer Credit Act required credit cards to provide protection on purchases above £100 and below £30,000, this is only applicable on purchases where there is a direct transaction from you, the credit card supplier, and the supplier. If this chain is broken at any point, such as by a third party, then the purchase may not be covered. Such third parties include travel agents or a third-party payment processor.
Personal travel insurance
While personal travel insurance is obviously good to have, it still won’t cover everything. For example, business travel insurance can come with the following:
- Cover for business equipment, such as laptops.
- If an employee is not able to attend a meeting or conference, the business travel insurance can cover for another colleague to be flown out as a replacement attendee.
- Cover for business money. If large amounts of the company’s money needs to be taken on the trip, business insurance cover can cover for it being lost or stolen.
Put simply, business travel insurance covers business elements. Be sure to check the different policy details between different insurance provider.
It’s clear that business travel insurance is hugely valuable, especially if you are travelling regularly for your workplace.