The right insurance at a great price. We look beyond the marketing headlines and prices to analyse claims, travel and complaints data and work out what travellers typically need from insurance for this type of trip. Then we read all the policy small print of over 30 leading insurers to check that policies cover what travellers actually need!
We analysed traveller needs for this type of trip and conducted a detailed review of insurer policy wording to provide an accurate view on the extent to which each policy does and does not meet those needs.
Prices shown on this page were generated for a business trip to Germany. 1 adult (aged 40 on date of travel). Departing on September 7th, 2026 for 2 nights. Travel insurance is a personalised product, a quote is generated for your trip based on your personal circumstances: your anticipated needs, the value of your trip and belongings and the risks associated with your travel scenario. To insure your trip you must confirm the details of your trip and generate a unique, live price. Prompted will chat with you to generate real quotes from leading travel insurers, and present them back to you to choose from and purchase.
Covers the big risks for a business trip, including £6,000 cancellation with wide triggers including catastrophe near your accommodation, £2m personal liability and £10m medical and repatriation.
Cover levels and excess per traveller
A good fit for a business trip, with £2m personal liability and £5,000 per-person cancellation. Just be aware, work equipment and gadgets aren't included unless you buy an add-on.
Cover levels and excess per traveller
A good fit for a business trip, with £2m personal liability and £10k cancellation. Be aware, work equipment and gadgets aren't covered; baggage and belongings aren't included unless you buy an add-on.
Cover levels and excess per traveller
A good fit for a business trip. Just be aware, work equipment and gadgets aren't covered; baggage and belongings aren't included unless you buy an add-on.
Cover levels and excess per traveller
Not a good fit for a business trip. Business trips aren't covered, and there's no add-on to fix it. Personal liability isn't included unless you buy an add-on.
Cover levels and excess per traveller
Not a good fit for a business trip. Business trips aren't covered, and there's no add-on to fix it. The personal liability cover is lower than this trip needs.
Cover levels and excess per traveller
Covers most of what a business trip needs, but business trips are only covered if you buy an add-on, and work equipment and gadgets aren't included unless you buy an add-on.
Cover levels and excess per traveller
We analysed scenarios, claims and complaints to identify the frequency and severity of risks. These are the key considerations when buying insurance for this type of trip.
The first thing to check for a work trip is that the policy covers business travel at all. Many leisure policies define a trip as a holiday and exclude business, or only cover it under a paid business add-on. Non-manual business, meetings, conferences and laptop work, is covered by most but not all, so this is the gate the trip has to pass before anything else counts.
The defining need of a work trip is the laptop and phone you travel with. Standard baggage cover often caps a single item well below the value of a business laptop, so check the single-item limit or whether there is dedicated cover for business equipment. Only some policies cover business equipment specifically.
Away on business the medical exposure is the same as any traveller: a sudden illness or injury, private treatment abroad and, in the worst case, repatriation home. A solo traveller has no companion to help arrange it, so a high medical limit with a 24-hour assistance line and repatriation as standard matters.
Business trips run to a schedule, so a delayed or cancelled flight can cost a missed meeting as well as money. Travel delay pays for each period you are held up, and abandonment covers calling the trip off if the outbound flight is cancelled with no reasonable alternative.
If you are held up reaching the airport, missed departure cover pays for the extra travel to catch up and reach the meeting. It matters more on a short business trip where the schedule is fixed.
Beyond the tech, you still travel with clothes and a bag. Check baggage is included as standard rather than a paid extra, and look at the single-item and valuables limits that cap any one item.
Cancellation and curtailment pay non-refundable costs if you cancel or cut the trip short, but the trigger matters more than the limit for a business traveller. Cancelling because work changes or pulls the trip is generally not an insured reason; cover responds to illness, injury and a defined list of events. On a 2-3 night trip the prepaid cost is low, so even modest limits usually suffice.
Personal liability covers legal costs and compensation if you accidentally injure someone or damage property while away. Liability arising from your work or profession is excluded across the market, so this covers you as a traveller rather than for business acts.
Cancellation cover is standard on almost every policy and pays back prepaid costs if you cannot travel. On a short business trip the prepaid cost is usually low and often reclaimable through work, so this is a lower priority than covering the trip while you are on it.