Map employer and personal coverage
Ask what the employer already provides for medical emergencies, evacuation, trip changes, rental cars and business property.
Separate company cost from personal cost
Personal side trips, companion expenses and nonrefundable leisure bookings may not be handled the same way as employer-paid travel.
Business equipment
Laptops, phones and specialized equipment can have item limits or exclusions under travel-insurance baggage benefits. Compare employer property coverage before relying on travel insurance.
Frequent travel
If work travel is regular, compare annual-plan trip-duration rules with the employer’s travel program and any personal trips you want covered.