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Business Travel insurance covers employees for medical treatment, emergency medical evacuation, flight cancellation or lost luggage during overseas, interstate and intrastate (beyond 50km) business trips.

Who’s covered?

  • Employees or authorised personnel and their accompanying family members who are under the age of 85 (unless otherwise agreed with VMIA).

What’s covered?

  • Personal accident — provides compensation for injury and sickness as per the table of benefits
  • Medical expenses incurred following an injury, sickness or disease (for overseas travel only)
  • Loss of baggage, travellers' cheques, travel documents, credit cards and money
  • Loss of deposits and cancellation charges
  • Hire car excess expenses
  • Additional expenses from unforeseen circumstances
  • Alternative employee expenses, if replacement staff is required
  • Evacuation cover and personal safety, if it’s unsafe to remain at the location
  • Extra territorial workers' compensation
  • Life insurance
  • Personal liability
  • Private travel (maximum 14 days) forming part of a business trip
  • Business travel up to 180 days.

This is a brief overview of policy features only. Please refer to policy wording below for full details of cover and exclusions.

Policy documents

Policy Update

A COVID-19 Exclusion will now apply to the following sections of the Business Travel Policy, effective for the 2021-22 policy year.

  • Section 3 - Travel and Emergency Assistance
  • Section 4 - Additional Expenses
  • Section 6 - Loss of Deposits and Cancellation Charges
  • Section 10 - Alternative Employee Expenses
  • Section 12 - Evacuation Cover and Personal Safety

Please review the policy wording for full details of the COVID-19 Exclusion.

More information

For more information about this policy or any insurance matter email contact@vmia.vic.gov.au or learn more about what to do in an emergency when travelling overseas.