Travel insurance 101 for business trips

Insurance is not a nice-to-have. It protects people, trips, and budgets. Here is the simple playbook we give teams.

Egor Travel Code
October 26, 2025

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🛡️ Travel insurance made simple: what you need, what your cards may cover, and how to avoid gaps

Medical, cancellation, rental car. No gaps

1) Medical and evacuation

Must-have for international trips. Covers doctor visits, hospital care, and emergency evacuation. Check limits, pre-existing condition rules, and any sport exclusions.

2) Trip cancellation and interruption

Protects prepaid, non-refundable costs if a covered reason stops the trip. Read the list of covered reasons. Cancel For Any Reason is extra and more limited.

3) Trip delay and baggage

Daily allowance for hotels and meals if you are stuck. Coverage for lost or delayed bags and business equipment.

4) Rental car coverage

Collision damage waiver for the vehicle. This is not liability. Liability is separate and often not covered by cards.

Card perks you may already have

Many premium cards include travel protections when you pay with the card. Examples to review: Amex Platinum and Gold, Chase Sapphire Reserve or Preferred, Capital One Venture X. Benefits can include trip delay, trip cancellation and interruption, baggage, and rental car collision damage coverage. Terms vary by card and by country. Some cards offer primary rental car coverage, others are secondary, and some cards require enrollment for enhanced benefits. Always read your card’s Benefits Guide and pay with the card that gives the best protection.

Five-minute setup checklist

• International trip plannedGet medical plus evacuation. Save the 24/7 assist phone number in the booking.
• Large non-refundable spendAdd trip cancellation and interruption. Confirm the covered reasons match your scenario.
• Renting a carConfirm if your card gives primary CDW in your destination. If not, buy primary at checkout.
• Pay the right wayUse the card with the strongest protections for that trip.
• Store everythingKeep policy numbers and claim steps in the trip. Save receipts during delays.

How Travel Code helps

• Prompts to add medical, evacuation, and cancellation during checkout
• Stores policy numbers and emergency contacts in the trip timeline
• Robert AI reminds you to use the card with the right protections
• Delay and disruption alerts with a simple claim checklist
• Company defaults you can set once for everyone

TL;DR

Buy medical and evacuation for international trips. Cover big non-refundable costs with cancellation and interruption. Use the card that adds delay, baggage, and rental car protections. Keep the claim info in the booking.

Reply “Insurance” if you want us to enable company defaults and add insurance prompts to your bookings.

❝

Manage travel. Don’t just book it.

— Egor Karpovich, Co-Founder, Travel Code

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