Do employees need to be on the same trip to be covered?

For group visitor insurance, travelers typically need to share the same trip dates and destination. For ongoing employee travel needs, annual multi-trip policies allow individual travel on a per-trip basis under the same master policy.

What is 'duty of care' and why does it matter?

Duty of care is the legal obligation of employers to protect employees from foreseeable risks while working. This includes international travel. Without adequate medical coverage, companies can face lawsuits and reputational damage if an employee is injured or falls ill abroad without support.

Can we add coverage for high-risk destinations?

Yes. Policies can typically be purchased for most global destinations, though premium rates are higher for countries with elevated medical costs (like the US, Japan, or Switzerland) or security risks. Some high-risk conflict zones may be excluded.

Are business trips to the United States covered?

Yes. Visitor insurance purchased through Tower Hill covers medical emergencies during travel to the United States — one of the most important markets given the US has the highest healthcare costs in the world.

Can we get invoiced rather than employees paying out of pocket?

Most plans allow the company to be the policy owner and pay the premium directly. Employees receive individual coverage certificates. For claims, direct billing to hospitals is available through the insurer's network.

👥Corporate / Business · 2–200 employees

Corporate Travel Insurance

Protect your team on every international business trip.

Get Group Quotes →📞 (832) 856-1704

Duty of care starts with coverage

Companies have a legal and ethical duty of care to employees traveling on business. Without adequate medical coverage, a single hospitalization abroad can cost $50,000–$500,000 — a liability that falls on the employer when no policy is in place. Corporate travel insurance closes that gap while demonstrating that the company takes employee safety seriously.

What Group Travel Insurance Covers

Emergency Medical & Hospitalization

Up to $1,000,000 per employee for emergency treatment, surgery, and ICU care at international hospitals.

Medical Evacuation & Repatriation

Air ambulance transport to the nearest adequate medical facility or back to the home country when local care is insufficient.

Security Evacuation

Available on select plans — covers political evacuation or emergency extraction in regions with sudden security crises.

Business Equipment Coverage

Optional riders available for laptops, trade samples, and business equipment lost or damaged during travel.

Trip Cancellation & Interruption

Reimburses non-refundable flights and accommodations when business trips must be cancelled or cut short due to covered events.

Cost by Group Size

Group Size	Per Person / Day	Est. Total
1–5 employees	$1.50–$3.00/day	$75–$450 for 10-day trip
6–15 employees	$1.30–$2.70/day	$130–$810 for 10-day trip
16–50 employees	$1.10–$2.40/day	$176–$2,400 for 10-day trip
51–200 employees	$0.90–$2.00/day	$459–$8,000 for 10-day trip