Corporate Travel Insurance
In a global business hub like Hong Kong, corporate travel is routine — and so are the risks that come with it. Flight delays, lost documents, medical emergencies, or sudden cancellations can all cause significant disruption and cost. Corporate Travel Insurance provides a financial safety net for both the traveller and the company, ensuring that business continues smoothly no matter what happens abroad.
Who Needs Corporate Travel Insurance?
Corporate Travel Insurance is essential for Hong Kong businesses whose employees travel internationally for meetings, conferences, client visits, regional projects, or cross-border operations. In a global hub like Hong Kong, travel is often routine — but the risks are not. One
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disruption can create major cost and operational impact, from medical emergencies to cancelled flights, lost baggage, or missing travel documents.
This cover is especially valuable for companies with frequent travellers, senior executives, or teams travelling across multiple countries. It ensures both the employee and the business are protected, while reducing HR workload and preventing the need to arrange individual travel insurance repeatedly.
Possible Pitfalls We Help You Avoid
Many companies assume travel insurance is “simple,” but real-world claims reveal gaps quickly. One common pitfall is insufficient medical evacuation cover — overseas medical emergencies can require evacuation, specialist transfer, or repatriation, and without strong
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limits the cost can be extreme. We ensure emergency medical and evacuation benefits match realistic international scenarios.
Another frequent issue is coverage mismatch for frequent travellers. Without an annual multi-trip policy, employees may travel uninsured or rely on inconsistent individual plans. We help businesses implement structured corporate travel programs that cover every trip automatically. We also address business property exposure — laptops, phones, samples, and work equipment are often excluded or limited unless correctly included.
Finally, many policies have crisis exclusions. Civil unrest, natural disasters, or sudden travel disruption can trigger denied claims if not properly covered. Our role is to ensure your policy responds in the situations that matter most — not only in perfect conditions.
Why Work With Expat Insurance?
Corporate Travel Insurance is not just a checklist policy — it’s a risk management tool. The right plan protects your staff overseas, supports your duty of care obligations, and prevents unexpected costs that can quickly exceed the premium savings of a “basic” policy. But comparing
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plans directly can be difficult, because insurers structure benefits differently and hide key restrictions in fine print.
Expat Insurance compares options across 30+ insurers and helps you select the best-value program based on destinations, trip frequency, employee profiles, and business needs. We simplify administration for HR by managing renewals, enrolment, and documentation. When incidents happen, we assist with claims coordination and support — helping employees get emergency assistance and reimbursements quickly, without unnecessary delays.
What Does Typical Cover Include?
Corporate Travel Insurance typically includes emergency medical treatment, overseas hospital expenses, and evacuation or repatriation support. It can also cover trip cancellations, delays, and missed connections, plus baggage loss, theft, and damage. Many plans include
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accidental death and disability benefits, loss of travel documents, and protection for business property such as laptops and work devices.
Coverage can be structured as per-trip policies or annual multi-trip programs for frequent travellers. Done properly, a corporate travel plan gives employees confidence and safety while travelling — and gives the company a reliable system that reduces disruption, improves compliance, and protects business continuity wherever your team goes.
Let's Get Your Insurance Done Right
Corporate travel comes with unique risks — from flight disruptions to overseas medical care. Our advisors work closely with your company to prepare for every possible scenario and ensure employees stay protected wherever they travel.
We assess your travel patterns.
We review destinations, trip frequency, and traveller profiles.
We recommend the right coverage.
We compare 30+ insurers to find cost-effective plans for your needs.
We manage your travel claims.
We coordinate emergency support and reimbursements quickly and transparently.
We simplify administration.
We handle renewals, enrolments, and reporting directly with HR teams.
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How Can We Help you?
Fill in your details, we’ll be in touch to answer your questions. No hard sell. Just the friendly help you need. We’ll get back to you to you within 24 hours. Or on the next business day if it’s now after hours.
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Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
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Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
What may seem unlikely elsewhere is routine in Hong Kong, where a single health emergency can spiral into financial difficulty. The deciding factor is usually whether proper insurance is in place.
