Many travel insurance providers nowadays may automatically cover certain pre-existing medical conditions. Many providers will also assess other medical conditions and potentially allow you to include cover for these.
Even if your condition is automatically included in your travel policy, you still need to declare it to your insurance provider when taking out cover; this is true also for a company taking out a policy on behalf of their employees.
Typically, business travel insurance doesn’t cover most pregnancy-related claims because pregnancy is generally considered a pre-existing condition. A corporate travel insurance policy can still insure pregnant staff, but the insurance may only cover medical expenses that aren’t related to the pregnancy, as well as other claims outlined in the policy.
Whether for corporate travel or a personal holiday, travel insurance usually won’t cover a destination if that country or region has an active travel warning. These travel warnings can change based on the situation within that country, so it’s essential to regularly check the warnings for your destination.
Department of Foreign Affairs and Trade (DFAT) or Smartraveller will usually list any warnings for the countries you need to travel to before planning your trip. If you take out business travel insurance prior to a travel warning being issued (e.g. due to a natural disaster or armed conflict), you can still be covered for any cancellations or changes. It’s also a good idea to check the policy’s PDS for any excluded countries.
Unfortunately, you cannot claim business travel insurance as a tax deduction.1 However, you can claim some other business travel expenses such as:
Private expenses that aren’t related to the business trip (like souvenirs, sightseeing or entertainment) aren’t covered.
If your family travels with you on a business trip or you have staff travelling abroad with their family, they can be covered by business travel insurance. Different policies will have varying degrees of cover, but typically medical costs, luggage and cancelled flights are covered for the employee’s family members.
Check your PDS for the exact details on what you’re covered for.
1 ATO – Claiming a tax deduction for business travel expenses. Last updated August 2019. Accessed May 2022.