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Business travel insurance covers risks during business trips abroad — medical expenses, repatriation, baggage, cancellation, and business risks such as laptop theft. Unlike private travel insurance, it also covers business items (laptop, samples), business liability, and short-term policies. Premiums: from €5/day or annual policies €200-€800. For SMEs with international clients or employees on trips abroad: an important supplement to regular insurance policies. Below you will find coverage, variants, and when to choose which one.
The short answer
- What: covers risks during business trips abroad.
- Covers: medical expenses, repatriation, baggage, cancellation, business supplies.
- Types: per trip (daily rate) or annual policy (often more economical for frequent travel).
- Premium: from €5/day or annual policy €200-€800.
- Difference compared to private travel insurance: business belongings and liability are included.
What does business travel insurance cover?
1. Medical
- Medical expenses abroad (above basic Dutch insurance).
- Emergency treatment.
- Dental treatment (acute).
- Medicines.
2. Repatriation
- Ambulance flight in case of illness/injury.
- Supervision by a doctor.
- Transport to the Netherlands in case of serious injury.
- In the event of death: repatriation of the body.
3. Luggage and belongings
- Personal belongings.
- Business supplies (laptop, phone, samples).
- Documents (passport recovery).
- Baggage delay (replacement costs).
4. Cancellation and interruption
- Cancellation of trip due to illness, death of a family member, or urgent situations.
- Interruption of ongoing trip with refund of unused portion.
5. Business liability
- Damage caused to third parties during the trip.
- Supplement to business General Liability Insurance for international incidents.
Two product forms
1. Per trip (day rate)
For occasional business trips — depending on destination and duration. For EU travel: €5-€15/day. Worldwide: €10-€30/day. Suitable for 1-3 trips per year.
2. Annual policy
For regular business trips — all trips within the year covered up to a maximum duration per trip (typically 60-90 days). Premium €200-€800/year depending on the number of trips and coverage level. Suitable for 5+ trips per year.
Variant: collective annual policy for employers with multiple traveling employees.
Important aspects
Destination and high-risk areas
Some countries (war zones, sanctioned countries) are not covered or have a higher premium. Check Dutch travel advice (overheid.nl) — often no coverage in case of negative travel advice.
Long-term stay
For expat stationing or training of 60+ days: separate expat insurance is required. Standard business travel covers short trips.
Pre-existing conditions
Pre-existing conditions are often excluded. For employees with a chronic illness: separate notification and possible medical examination.
Baggage limits
Standard €1,500-€5,000 baggage coverage. For laptops/electronics, there is often a sublimit (€1,000-€2,500). For higher value: additional coverage via a separate baggage package.
When which form?
- 1-3 trips per year: per-trip coverage.
- 5+ trips per year: individual annual policy.
- Multiple traveling employees: collective annual policy.
- Expat stationing: separate expat insurance.
For SMEs with international activity
Important conditions for business travelers:
- Laptop coverage with a sufficient sublimit (€2,500+).
- Repatriation including medically escorted ambulance flight.
- Business liability in the coverage area.
- Acceptable waiting time in case of cancellation.
- 24/7 emergency center.
Saskia's business trips
Saskia (cleantech startup) travels 8 times a year to EU clients and occasional global conferences:
- Annual policy EU + worldwide: €450/year.
- Including laptop cover €3,500 (her work machine).
- Plus 24/7 emergency center.
Lost laptop during trip to Germany: claim of €3,200 paid out. Policy investment quickly recouped.
Honest recommendation
For SMEs with international activity: business travel insurance is an affordable defense against travel risks. Per-trip for occasional trips, annual policy for regular travel. Avoid relying solely on private travel insurance — business belongings and liability are often left uncovered. For employees on overseas missions: an employer-paid policy ensures peace of mind and employee satisfaction.
For other topics: insurance for SME companies, general liability and delivery van insurance.
Frequently Asked Questions
Medical expenses, repatriation, luggage (incl. business items such as a laptop), cancellation, and business liability during business trips abroad. Unlike a private policy: business items are included in the coverage.
Per trip: €5-€30/day depending on destination and coverage level. Individual annual policy: €200-€800/year for frequent travel. Group policy for multiple employees: often cheaper per person.
Per-trip for 1-3 business trips/year. Annual policy for 5+ trips — typically cheaper per trip. For SMEs with multiple traveling employees: collective annual policy. For expats: separate expat policy.
Limited or not. Business items (laptop, samples) and liability are often excluded in private policies. A separate business policy for business trips is advisable — it prevents rejected claims.
Standard €1,500-€5,000 total baggage coverage with sub-limits for specific items (laptop €1,000-€2,500). For higher value: additional coverage via a separate baggage package or policy extension.
In the event of negative Dutch travel advice (overheid.nl): often no coverage. War zones and sanctioned countries are excluded. For travel to high-risk destinations: separate short-term business insurance or specific products from a specialized company.
Pre-existing conditions are often excluded from standard policies. For employees with a chronic illness: separate notification to the insurer and possibly a medical examination are required. Prevents a rejected claim for illness related to the condition.
