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Oracle RMS Insurance

Commercial Travel Insurance

Commercial Insurance — Oracle RMS Insurance

Commercial Travel Insurance

Protect your employees and your business when travelling for work — medical emergencies, cancellations, and more.

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Commercial travel insurance covers employees and business owners travelling on company business against medical emergencies, trip cancellation, baggage loss, and travel delays. Provincial health plans provide very limited coverage outside Canada, and none in the United States. A single medical emergency abroad can cost hundreds of thousands of dollars without proper coverage. Group travel programs offer cost-effective protection for businesses whose employees travel regularly.

Who needs this coverage?

Any business whose employees travel outside their home province for work needs commercial travel insurance. This includes businesses with sales teams, executives who attend conferences, contractors working at out-of-province job sites, and companies with international operations.

Key coverages

  • Emergency medical and hospitalization
  • Medical evacuation and repatriation
  • Trip cancellation and interruption
  • Baggage loss, damage, and delay
  • Travel delay expenses
  • Accidental death and dismemberment
  • Business equipment coverage
  • Identity theft assistance
  • Worldwide 24/7 emergency assistance
  • Group and annual multi-trip programs

Frequently Asked Questions

Does provincial health insurance cover employees travelling for work?
Provincial health plans provide very limited out-of-province coverage and essentially no coverage in the United States. Emergency medical costs in the US can reach hundreds of thousands of dollars. Commercial travel insurance is essential for any employee travelling outside their home province.
What is the difference between individual and group travel insurance?
Individual travel policies cover a single traveller for a specific trip. Group or corporate travel programs cover all eligible employees under a single policy, often on an annual multi-trip basis. Group programs are more cost-effective for businesses with frequent travellers.
What is a pre-existing condition exclusion?
Most travel medical policies exclude claims related to pre-existing medical conditions that were not stable before departure. The definition of "stable" varies by policy. Employees with significant health conditions should review their coverage carefully before travelling.
Does commercial travel insurance cover business equipment?
Many commercial travel policies include coverage for laptops, cameras, and other business equipment against loss, theft, or damage while travelling. Coverage limits and exclusions vary, so review the policy wording carefully for high-value equipment.
What is an annual multi-trip policy?
An annual multi-trip policy covers all trips taken by an insured employee within a 12-month period, up to a maximum trip duration per journey (typically 30 to 60 days). It is more convenient and often more economical than purchasing individual trip policies.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.