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Business travel insurance
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Safeguard your business trip with comprehensive travel insurance
When your business takes you abroad, ensure your trip is fully safeguarded with our Business Travel Insurance, including automatic cover for manual labour, which is often excluded in standard policies. Whether you're working on-site or attending a critical meeting, our tailored cover gives you peace of mind. From travel delays to medical emergencies and lost luggage, we've got you covered every step of the way. Stay focused on growing your business, knowing that TIC's comprehensive protection includes all aspects of your work abroad, even those that involve manual labour.
Why business travel insurance
Protect your team and business trips from unexpected disruptions, ensuring smooth travel and uninterrupted productivity.
Safeguard your business trip against the unexpected-cancellations, lost luggage, and delayed flights won't ruin your trip.
In a medical emergency abroad, rest assured you'll receive prompt, quality care without the financial burden.
Enjoy stress-free travel knowing you're covered for everything from minor inconveniences to major disruptions.
TIC Business Travel Insurance automatically covers injuries from manual labour, ensuring you're covered without the need for additional premiums.
From medical emergencies to travel delays, our all-in-one cover ensures you're protected from the unexpected, wherever your business takes you.
Business Comprehensive
- Emergency medical and related expenses
- Includes pre-existing illness cover
- Optional cancellation cover for unspecified events
Included
- 24-hour emergency assistance
- Direct payment of medical bills
- Online claim submission
- Manual labour cover
Business Comprehensive +
- Emergency medical and related expenses
- Includes pre-existing illness cover
- Optional cancellation cover for unspecified events
- Maximum benefit limits
- No excesses
Included
- 24-hour emergency assistance
- Direct payment of medical bills
- Online claim submission
- Manual labour cover
Advantages of TIC business travel insurance
Medical emergencies
TIC's Business Travel Insurance covers medical emergencies, hospital bills, medical transport, pre-existing conditions, personal accidents, repatriation, and compassionate emergency visits.
Visa
Our policies are fully compliant with VISA authority requirements and include visa denial cover for South African passport holders. We also provide a visa letter addressed to the embassy to support your application.
Luggage
Our cover includes protection for loss of personal belongings, theft of cash and important documents and luggage delay, or added peace of mind during your trip.
Interruptions
TIC provides cover for trip cancellations, disruptions, as well as missed connections and travel delays, due to weather conditions or supplier insolvency.
Manual labour
With TIC Travel Insurance, you're covered for emergency medical expenses resulting from injuries sustained during manual labour. Whether you're working abroad or performing physically demanding tasks, we ensure prompt medical assistance to keep you safe.
Your business assets
Our cover includes the cost of sending replacement personnel if needed. We provide protection for your valuable trade samples, ensuring your business operations continue smoothly, no matter what happens during your trip.
Know what's covered: Understanding policy exclusions
Stay informed with a clear breakdown of what's not included in your travel insurance, so you can plan with confidence.
Hospitalisation cover for pre-existing illnesses
Replacement personnel
Emergency medical and transportation costs
Manual labour related injuries
Denied Visa
Visa denied cover is limited to South African passport holders
Driving a commercial vehicle during the course of employment
Any employment requiring the use of weapons or firearms
Pilot or crew member during the course of employment
Emigration or permanent relocation at a destination
Features of business travel insurance
Emergency medical cover
Cover for inpatient and outpatient emergency medical expenses. Hospitalisation cover for pre-existing illnesses and emergency medical transportation to the nearest medical facility.
Trip disruption protection
Protects against cancellations, delays, and missed connections. Covers trip cancellations and disruptions Covers losses from flight cancellations due to weather
Travel assistance services
24/7 emergency support globally. Access to legal, medical, and logistical assistance. Helps with emergency transportation and repatriation.
Business asset protection
Covers replacement personnel if needed. Protects trade samples during transit. Ensures smooth business operations despite disruptions.
Luggage and document security
Compensation for delayed luggage. Covers lost or stolen personal belongings. Helps replace vital travel essentials.
Visa support and repatriation
Visa denial cover for South African passport holders. Provides official visa letters for embassy applications. Includes repatriation of mortal remains in case of death.
How to buy business travel insurance
Get started:
Click on the Buy now button to begin.
Fill in your details:
Provide a few quick details about your trip.
Receive your quote:
Instantly get a quote or policy within minutes.
Secure your cover:
Purchase your travel insurance safely and securely, up to 12 months in advance.
Convenient, quick, and smooth: submitting your claim
Our streamlined process makes claiming convenient, so you can focus on what matters most.
At TIC, we ensure a smooth and convenient claims process. Simply register on our portal before your trip for easy claims submission. If not, you can still file a claim after your return. Follow these simple steps for a hassle-free experience.
- 1
Gather required documentation
Collect all necessary documents related to your claim before starting the process.
- 2
Register on the client portal
Register on client portal
- 3
Submit your claim
Once you have gathered the supporting documents you can submit your claim
- 4
Assessment process
Our team will review and assess your claim.
Don't just take our word for it, here's what our customers have to say
Location: Seatle, USA
Paid amount: R1,100,000
Mrs N
Location: Democratic Republic of Congo
Paid amount: R400 000
Mr F
Trusted by 2 million + travellers
Member of ASATA
Accepted by all VISA authorities, including SCHENGEN
Secured by Entrust
Our articles
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- 06 FEB 2025
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- 12 FEB 2025
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From cancellations to delays: essential tips for a smoother trip
Help and FAQ's
Direct
Tel: 0860 100 484 (RSA) or +27 (0)11 521 4000
E-mail: helpdesk@tic.co.za
Claims and emergency services
Tel: +27 (0)11 521 4000
Policy-related FAQs
What does TIC Business Travel Insurance cover?
TIC's Business Travel Insurance covers a wide range of travel risks, including trip cancellations, medical expenses, lost luggage, and personal accident. Additional protection is available for business-related assets like trade samples and replacement personnel.
Does TIC cover pre-existing medical conditions?
Yes, TIC provides hospitalisation cover for pre-existing medical conditions for travellers up to the age of 69.
Is visa denial covered for South African passport holders?
Yes, TIC includes visa denial cover for South African passport holders. If your visa application is denied for a covered reason, you may be eligible for reimbursement of related costs.
Does TIC provide cover for missed connections?
Yes, we will pay the extra cost of economy class transportation to continue with your original itinerary if you miss your connecting scheduled transportation.
What is the policy for emergency medical transportation?
TIC covers emergency medical transportation to the nearest suitable facility or back to South Africa if necessary. This ensures that you receive prompt medical attention, no matter where your business travels take you.
Service-related FAQs
How do I file a claim with TIC?
Filing a claim with TIC is simple. Register on our online portal before your trip for faster claims processing or submit your claim on your return. Just follow the prompts, upload the required documents, and our team will assist you throughout the process.
What is the typical processing time for claims?
TIC aims to process claims as soon as possible, though complex claims may take longer. Our dedicated team works hard to ensure a hassle-free experience from submission to resolution.
Can I modify my TIC policy after purchase?
Yes, you can make changes to your TIC Business Travel Insurance policy before your trip begins or you can extend your policy before it expires. Contact our customer support team to discuss your options and update your policy as needed.
Does TIC offer 24/7 emergency support?
Yes, TIC provides 24/7 global emergency assistance to support you during medical emergencies, travel disruptions, and other unforeseen events while you're on your business trip.
What happens if I don't register on the TIC portal before departure?
While it's recommended to register on our portal before your trip for quicker claims submission, you can still file a claim after your return. However, pre-registration simplifies the process and allows for faster resolution.
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