Corporate Travel Insurance does not cover every event that can occur during business travel. Exclusions and conditions vary between policies, so the wording should be checked before departure.

What exclusions can apply? #

Depending on the policy, cover may be restricted for:

• Events known before the journey was booked or cover commenced.
• Certain pre-existing medical conditions.
• Travel against medical advice.
• Undisclosed or excluded high-risk activities.
• Illegal conduct.
• Alcohol or drug-related circumstances.
• War, civil unrest or sanctions.
• Travel to excluded destinations or contrary to specified government advice.
• Unattended baggage or failure to take reasonable precautions.

This is not a complete list.

Are pre-existing medical conditions always excluded? #

Not necessarily. A condition may be automatically covered, require assessment, need additional information or be excluded.

Significant medical circumstances should be reviewed before travel. Do not assume acceptance under one policy means another insurer will treat the condition the same way.

Are all destinations and activities covered? #

No. Higher-risk destinations, extended journeys and some work or leisure activities may require approval or additional cover.

Check the current destination advice and contact Webber Insurance if travel involves unusual locations, manual work, hazardous activities, winter sports or other higher-risk pursuits.

What should travellers do before departure? #

Confirm who is insured, the journey definition, maximum trip duration, destinations, medical requirements and relevant exclusions. Travellers should also have access to the insurer’s emergency assistance details.

If circumstances change after booking, tell Webber Insurance promptly so the effect on cover can be checked.