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Professionals Travel Cover

Get business travel insurance to cover up to 10 staff members for multiple trips with Professionals Travel Cover

Professionals Travel Cover specialises in annual, worldwide, multi-trip travel insurance for business groups. Underwritten by Lloyd's, its Business Travel Insurance policy is a single policy that can cover multiple worldwide business travel for up to 10 staff members, as well as their families, with no age-loading and no need to apply for pre-existing medical conditions.

This review will explore the cover available and more of the benefits of choosing Professionals Travel Cover to protect your employees abroad or on trips within Australia.

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Brands Product Product Details Apply
Pro Travel Cover Premium Annual Travel Insurance
  • Annual cover for worldwide and domestic business travel
  • Cover up to 10 staff per policy with single trips up to 30 days covered
  • Option to increase default number of trips covered
  • No need to apply to cover pre existing conditions
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What are the benefits of Professionals Travel Cover?

Professionals Travel Cover Business Travel Insurance includes the following benefits:

  • Overseas emergency medical assistance. Unlimited cover is available to ensure that you can access the medical attention you need while overseas.
  • Overseas emergency medical and hospital expenses. Business Travel Insurance from Professionals Travel Cover includes unlimited cover for the emergency medical and hospital expenses you incur while overseas.
  • Emergency dental expenses. Up to $500 cover is included for emergency dental treatment to relieve sudden and acute pain.
  • Hospital cash allowance. When you’re hospitalised overseas for more than 48 consecutive hours, Professionals Travel Cover provides a daily hospital cash allowance of $50, up to a maximum of $8,000.
  • Accidental death. A lump sum benefit is payable to your estate if you die as a result of an accident during your journey.
  • Permanent disability. This lump sum benefit is payable if you are injured during your overseas journey and lose all of the sight in one or both eyes, or lose the use of a hand or foot at or above the wrist or ankle. The disability will need to continue for at least 12 months and be expected to continue indefinitely.
  • Additional accommodation and travel expenses. This benefit ensures that your additional accommodation and travel expenses are covered when your trip is disrupted by a range of circumstances, for example if you are deemed medically unfit to continue travelling, or if you are forced to cut your trip short on the advice of a doctor.
  • Resumption of journey. This benefit covers the cost of the airfares to return you to the place where your journey was disrupted due to the death or hospitalisation of a relative, if your work commitments require you to return overseas.
  • Loss of income. Business Travel Insurance pays $400 a week for up to 26 weeks if you become disabled during an overseas journey and are unable to return to work when you get back to Australia.
  • Alternative staff. This benefit covers the cost for a replacement employee to complete the original assignment for which you were sent, but you had to return home for medical reasons.
  • Cancellation fees and lost deposits. Unlimited cover is provided for cancellation fees and lost deposits when you are forced to cancel your trip due to unforeseen circumstances beyond your control, such as the death of a relative.
  • Disruption of journey. This benefit covers your additional meals and accommodation expenses if your journey is disrupted for at least six hours by circumstances beyond your control.
  • Alternative transport expenses. If your scheduled overseas transport is cancelled, delayed or diverted, Professionals Travel Cover will reimburse the additional travel expenses you incur to get to a pre-arranged event, for example a business conference.
  • Luggage and personal effects. This benefit covers the repair or replacement of luggage and personal effects when they are lost, stolen or damaged during your trip.
  • Luggage and personal effects delay expenses. Available for overseas travel only, this benefit reimburses you when your luggage and personal effects are delayed or misdirected for more than 12 hours and you need to purchase clothing and toiletries.
  • Travel documents and credit cards. Business Travel Insurance covers the replacement costs of any travel documents (including passports) which are lost or stolen overseas, and also provides cover for credit card fraud if your card is lost or stolen while overseas.
  • Theft of cash.  Available for overseas travel only, this benefit provides cover when cash is stolen from your person.
  • Personal liability. This benefit covers your legal liability if you cause death, bodily injury or property damage to someone else.
  • Rental vehicle excess. The policy provides cover for the rental vehicle excess payable when your hire car is stolen, damaged or involved in a collision.
  • Pre-paid shore excursions cancellation. Available for cruise travel, this benefit covers cancellation fees and lost deposits if you are unable to attend a pre-paid shore excursion because you are confined to your cabin or to a hospital bed in the cruise vessel’s hospital.
  • Missed cruise departure. If poor weather, a strike, industrial action or a car accident cause you to miss the departure of your cruise, the policy covers the travel and accommodation costs you incur to reach your destination.
  • Cabin confinement. Only applicable to overseas travel, this benefit ensures that you are paid $50 for each 24-hour period you are confined to your cabin or the cruise vessel’s hospital as a result of injury or sickness.
  • Missed port cover. You’ll receive $100 for each day a scheduled port visit is cancelled due to adverse weather or timetable restrictions.
  • Own snow gear. This benefit covers your snow ski equipment if it is stolen, accidentally damaged or lost during your journey.
  • Snow gear hire excess. If your hired snow gear is damaged or stolen, this benefit covers the hire equipment excess or the cost of repairing the equipment.
  • Lift pass. This benefit covers the loss or theft of your lift pass during your journey.
  • Piste closure. You will receive up to $100 per 24-hour period if, as a result of insufficient snow, bad weather or power failure in your pre-booked accommodation, all lift systems are closed for more than 24 hours.
  • Bad weather and avalanche closure. This benefit covers your extra travel and accommodation expenses when your pre-booked outward or return journey is delayed by more than 12 hours due to avalanche or bad weather.
  • Emergency rescue. This benefit covers your emergency transfer or evacuation if you suffer an injury on the ski slopes and need to be transported to the nearest hospital for emergency treatment.

Key benefits of choosing professionals cover for your business

  • No need to apply to cover pre existing conditions
  • Cover can be purchased online or over the phone
  • No loading for travellers with pre-existing conditions
  • Cover for travellers up to the age of 65
  • 24/7 overseas emergency assistance by AAI Australia
  • High level of cover from $167 per person
  • Cover can be tax deductible as a legitimate business expense

How do I claim Professionals Travel Cover?

There are several important things to keep in mind if an event occurs that may lead to a claim under your Business Travel Insurance policy:

  • If the claim relates to overseas emergency medical assistance or overseas emergency medical and hospital expenses, contact AAI Australia as quickly as possible using the phone number provided in your policy documents.
  • You must not admit fault for any event or offer or promise to pay money to anyone.
  • Report any loss or theft of your luggage and personal effects to the police immediately and obtain a written copy of the report.
  • Report damaged or misplaced luggage to the relevant airline or other travel operator and obtain a written copy of the report.
  • Take any reasonable steps to minimise your loss.
  • Keep evidence of the value of any insured property or of the amount of any loss you suffer.

You must inform the insurer of any claims within 30 days of returning home. You can do this by phoning 1300 383 550, or emailing

Who is eligible to apply?

To qualify for cover under this policy you must meet the following criteria:

  • Australian resident
  • Eligible for a Medicare card
  • Under 65 years of age
  • Your journey commences and ends in Australia
  • Undertaking a business or leisure journey of no greater than 30 days

Professionals Travel Cover FAQs

Who underwrites Professionals Travel Cover Business Travel Insurance?

The policy is underwritten by Lloyd’s.

Does the policy cover my spouse and dependent children?

Your spouse (including de facto) and dependent children are covered while travelling with the nominated policyholder on the journey. The policyholder must be a principal, practice partner, shareholder, director, business owner or SMSF member/trustee. No cover is available if they travel independently of the nominated policyholder.

Do benefit limits apply to each individual?

Yes. The staff nominated as being covered by Professionals Travel Cover Business Travel Insurance are covered as if they are individually insured under separate policies. This means that any benefit limits quoted apply to each insured person.

Will I need to pay an excess when I make a claim?

Yes, you cannot remove the excess from your policy. The excess amount payable will be shown on your certificate of insurance.

Are any pre-existing conditions excluded from cover?

Yes. You will not receive any cover for medical expenses, cancellation costs or additional expenses in any of the following circumstances:

  • You have been given a terminal or palliative prognosis for any condition with a shortened life expectancy
  • You have chronic renal failure
  • You have AIDS defining illness or any condition or treatment that causes immunosuppression
  • You have had or are awaiting an organ transplant
  • You are more than 19 weeks pregnant
  • You have metastatic or secondary cancer
  • You have any mental illness

What is the maximum length per trip?

Trips of up to 30 days can be covered by this policy.

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