Protect your people and your plans when you send teams across the world. This corporate solution links proven coverage with 24/7 support so you can focus on business outcomes, not logistics.

Travel Guard provides round-the-clock, multilingual emergency travel assistance through service centers across the Americas, Europe, and Asia.

You get access to coordinated services designed for business travel. That includes help for medical events, lost baggage, missed connections, and supplier disruptions.

Policies are issued by National Union Fire Insurance Company of Pittsburgh, Pa. (NUFIC), NAIC No. 19445, with financial responsibility for its products. AIG is the marketing name for the worldwide operations of American International Group, Inc.; products and services may vary by state and country and are subject to underwriting and policy language.

Key Takeaways

  • Reliable backing: NUFIC underwriting and AIG support give financial strength.
  • 24/7 help: Travel Guard assistance reduces downtime for travelers.
  • Business-focused services: One coordinated resource for common travel risks.
  • Duty-of-care alignment: Coverage helps you stay compliant across jurisdictions.
  • Scalable approach: Centralized protection that grows with your organization.

Your Global Corporate Travel Insurance Partner for Today’s Business Travel

When your teams travel for work, you need a partner that responds the moment problems arise. Travel Guard operates service centers across Asia, Europe, and the Americas to provide 24/7 multilingual emergency travel assistance.

You get a coordinated network that pairs insurance coverage with practical support. That means trained representatives are available any time, in multiple languages, to help with urgent care, rebooking, and missed connections.

Centralized services simplify who to call and what steps to follow during an incident. Your program can integrate travel assistance services with internal approval flows so staff get help without administrative delays.

  • Access to a documented global network and responsive service centers.
  • Assistance services for rebooking, baggage issues, and medical referrals.
  • One plan that reduces disruption and supports every business trip.

Result: clearer processes, faster resolution, and better duty-of-care for your travelers.

What Is Corporate Travel Insurance and How Does It Protect Your Organization?

Corporate travel insurance helps you protect your company’s expenses and your people when work requires travel. It is designed for business travel, not leisure, so benefits match the needs of meetings, conferences, and client visits.

Who it’s for: U.S.-based organizations that send employees on domestic and international trips. Coverage is available for residents of the states and D.C. only under specific Travel Guard plans, and features vary by state.

When it applies: Policies cover defined reasons in the policy language—like eligible cancellations, interruptions, or medical emergencies—so you can recover pre-paid, nonrefundable costs for covered events.

“Clear enrollment rules and documented terms make it easier to activate benefits when a trip is disrupted.”

  • Practical protection: Recoup costs and secure medical referrals during a covered trip.
  • Policy alignment: Define eligible travelers, booking rules, and activation steps in your travel policy.
  • Terms and conditions: Benefit limits, exclusions, and documentation requirements govern claims.

Keep your processes simple: codify pre-trip enrollment, share how to contact travel assistance, and record payment and booking windows so everyone knows when coverage applies.

global-corporate-travel-insurance-aig: AIG Business Travel Coverage at a Glance

See at a glance which coverages and assistance services support your traveling teams. This summary helps you decide what to include in your plan and how it aligns with duty-of-care goals.

Key coverages

Medical expenses: Choose insurance plans that cover treatment abroad and emergency evacuations so employees get prompt care without surprise bills.

Trip cancellation & interruption: Recover prepaid costs for covered reasons and reduce financial exposure when plans change.

Missed connections: Support complex itineraries and reduce downtime for multi-leg business trips.

Assistance services

24/7 emergency assistance: Travel Guard operates service centers across Asia, Europe, and the Americas to provide fast, multilingual help.

One call connects medical, logistical, and administrative support so issues are resolved quickly.

Who we cover

  • Employees and traveling executives enrolled in your program
  • Eligible business travelers on company-approved trips
  • Tiered coverage options that match routes, trip length, and traveler roles

Benefits: You centralize risk management, reduce out-of-pocket costs, and add optional features like Cancel For Any Reason when needed. The result is clearer protection and better support for your business travelers.

Comprehensive Coverages and Benefits Tailored to Business Travelers

Equip your employees with coverages that reduce downtime and protect mission-critical travel assets. A focused insurance plan helps you match benefits to common business disruptions.

coverages

Medical and emergency support for illness, injury, and evacuations

Medical expense coverage pairs with 24/7 emergency assistance to connect travelers with qualified care and evacuation when needed.

Trip protection: cancellation, interruption, and delay for work-related reasons

Trip cancellation, interruption, and delay coverage helps you recover prepaid costs and rebook fast when a covered work event changes.

Baggage and rental car coverages for on-the-go professionals

Protect essential equipment with baggage coverage and rental car protection so lost items or transit incidents don’t derail a business trip.

Optional add-ons: Cancel For Any Reason and annual plan flexibility

Optional add-ons like Cancel For Any Reason and higher-limit choices (Deluxe or Preferred) give flexibility for premium cabins or complex itineraries.

“Select coverages that map to your highest risks—missed connections, medical evacuation, and lost equipment—to keep teams productive.”

  • Safety and support: medical coverage + evacuation coordination.
  • Budget protection: trip cancellation/interruption for covered work reasons.
  • Operational resilience: baggage, car coverage, and integrated travel assistance services.
  • Program efficiency: align card and booking channels to automate receipts and claims timelines.

Typical pricing ranges from about 5–7% of total trip cost, so you can balance cost and required protection when designing your corporate coverage.

24/7 Global Network and Service Centers Backed by Travel Guard

A worldwide support structure keeps your travelers connected to care and logistics 24/7. When an incident occurs, you can reach staffed service centers that manage everything from minor delays to serious medical events.

Where we operate: service centers across the Americas, Europe, and Asia

Travel Guard maintains service centers in the Americas, Europe, and Asia. These hubs form a resilient network of local providers, translators, and medical coordinators to support your business travel needs.

How assistance works: fast, multilingual support for emergencies and travel issues

When you call, trained teams provide real-time assistance by phone. They coordinate medical referrals, evacuations, and hospital admissions while keeping you informed of next steps.

  • Immediate reach: one call to 24/7 service centers for help anywhere in the world.
  • Operational support: rebooking and baggage help to reduce itinerary disruption.
  • Integrated coverage: benefits, documentation, and provider coordination occur seamlessly behind the scenes.
  • Scalable response: teams expand during severe events to keep service levels consistent.

Streamlined Claims and Ongoing Support When Issues Arise

When a trip goes off plan, fast, clear claims handling keeps your team moving. You can file claims online through a guided workflow that lists required invoices, itineraries, and receipts.

How to file: simple online process with guided documentation

Use the portal to submit a complete claim. The system prompts for documents and flags missing items so you avoid delays.

What to expect: responsive support from experienced claims representatives

You work with representatives who explain terms and conditions, timelines, and next steps. Expect coordination with assistance teams for recorded emergency events and covered trip disruptions.

“An online claim was filed and we had a decision and payment within about a week.”

  • Save receipts, including corporate card charges, to speed reimbursement.
  • Use admin portals to view status, upload docs, and message reps.
  • Track outcomes to refine booking and supplier choices and reduce repeat issues.

Result: clearer claims, faster payments, and centralized services that help your business get back on track.

Plan Options and Program Design for Multinational Business Travel

For teams that cross borders often, a continuous plan lowers admin burden and keeps protection aligned with travel patterns.

Annual plan considerations for frequent business trips

Choose an annual insurance plan when travelers fly often. It reduces per-trip admin and keeps baseline coverage active between trips.

Benefit: simpler billing, fewer enrollments, and consistent claims workflows for your global workforce.

Business Travel Accident and AD&D considerations

Evaluate business travel accident (BTA) coverages to address travel accident exposure.

Include accidental death and accidental death dismemberment options to complement medical and trip protections.

Controlled master program overview for multinational alignment

Use a controlled master program to centralize policy intent while placing required local policies.

  • Consistent terms: master program alignment across jurisdictions.
  • Local compliance: honor regional rules and claims practices.
  • Flexible add-ons: tailor Cancel For Any Reason and higher limits where available.

Work with stakeholders to set benefit levels for BTA multinational needs and to document enrollments, reporting, and claims steps.

Eligibility, Underwriting, and Important Disclosures

Before you enroll travelers, confirm eligibility rules and how underwriting affects your program.

Underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. (NUFIC)

Policies are issued by NUFIC (NAIC No. 19445), with a principal office at 1271 Avenue of the Americas, 37th Fl, New York, NY 10020. NUFIC is an AIG member and is financially responsible for its products.

Availability and state-by-state variations

Products and features may not be available in all states or countries. Terms and conditions and underwriting rules determine actual limits, exclusions, and eligibility.

  • Check residency rules: certain Travel Guard plans apply only to U.S. states and D.C.
  • Align your program: document who is covered, which insurance plans you select, and how claims are filed.
  • Include privacy: follow AIG’s Privacy Policy and your internal data rules when handling traveler records.

“Confirm availability, coverage limits, and claims steps before travel to reduce delays and disputes.”

Factor in travel accident insurance and accident insurance options when you design benefits. Keep stakeholders informed so your business maintains clear program governance and responsive services worldwide.

Conclusion

End with a concise roadmap that makes your travel program easy to use during an emergency.

Confirm benefits, activation steps, and who to call so your people use coverage with confidence. Include 24-hour travel assistance contacts and links to service centers in your policy materials.

Balance cost and protection—typical plans run about 5–7% of trip cost—and add business travel accident or travel accident options where needed. Use an annual plan or a controlled master program to simplify multinational business travel administration.

Act now: document enrollments, share emergency numbers, and review underwriting (NUFIC) so your business travel program delivers fast help, clear claims, and stronger safety for every trip.

FAQ

What does corporate travel insurance cover for business travelers?

Corporate travel insurance typically covers medical expenses, emergency evacuation, trip cancellation and interruption, missed connections, baggage loss or delay, and rental car damage. Your plan can include additional protections like business travel accident (AD&D) and optional Cancel For Any Reason (CFAR) depending on the program design.

Who is eligible for corporate travel coverage?

Eligibility usually includes employees, traveling executives, contractors, and other eligible business travelers of U.S.-based organizations. Multinational firms can enroll participants under controlled master programs to align coverage across regions. Specific eligibility details appear in the plan terms and underwriting documents.

When does coverage apply during a business trip?

Coverage applies during covered trips as defined by your plan — often from the start of your business travel to your return home. Covered reasons for trip cancellation or interruption, and what constitutes a covered trip, are listed in your policy. Check the policy for precise start and end times and any excluded scenarios.

How do 24/7 assistance services work when you’re abroad?

Assistance services provide fast, multilingual support for medical emergencies, travel issue resolution, and logistics such as medical referrals, evacuation coordination, and concierge help. You contact the listed service center phone number or online portal and the global team will guide and coordinate care or services wherever you are.

How do you file a claim and what documentation is needed?

File claims via the insurer’s online claims portal or by contacting the claims unit. Typical documentation includes your policy or certificate number, travel itinerary, receipts, medical reports, police reports for theft, and proof of expenses. Follow the guided submission steps to expedite processing.

Can a company get an annual plan for frequent business travel?

Yes. Annual plans are designed for frequent travelers and provide continuous coverage for multiple trips within the policy year. Program design options include per-trip limits, aggregate limits, and add-ons such as business travel accident coverage for employee safety.

What is a controlled master program for multinational travel?

A controlled master program centralizes coverage terms and administration for multinational organizations. It aligns benefits and limits across jurisdictions, streamlines enrollment and reporting, and helps maintain consistent protection and compliance across subsidiaries and regions.

Are medical evacuations and repatriation included?

Many corporate travel plans include emergency medical evacuation and repatriation when medically necessary. These services cover transport to the nearest adequate medical facility or return home for continued care, subject to policy terms and medical necessity criteria.

How does Business Travel Accident (BTA) or AD&D work for travelers?

BTA or Accidental Death & Dismemberment provides lump-sum benefits for severe injury, loss of limbs, or death due to an accidental event during a covered trip. Coverage limits, beneficiary designations, and exclusions are specified in the policy documents and should be reviewed during plan setup.

What geographic regions are supported by service centers?

Service centers operate across the Americas, Europe, and Asia to provide global reach. Availability and specific network resources vary by program, but 24/7 assistance is standard to handle emergencies and travel disruptions worldwide.

How do plan terms vary state by state or by country?

Terms, availability, and regulatory requirements can vary by state and country. Underwriting is managed by National Union Fire Insurance Company of Pittsburgh, Pa. (NUFIC) for certain programs, and your advisor will highlight any regional differences in coverage, limits, or required disclosures.

Can you add optional coverages like Cancel For Any Reason?

Yes. Optional add-ons such as Cancel For Any Reason, enhanced baggage protection, or expanded medical coverage may be available. These options depend on the program design and must be purchased according to the policy’s terms and timing requirements.

How quickly will claims be handled and what support can you expect?

Claims teams aim to respond promptly and guide you through documentation and settlement. Expect responsive support from experienced claims representatives who coordinate benefits, subrogation, and provider payments to minimize disruption during your recovery or trip recovery.