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Business Travel Accident (BTA) Insurance

Learn how BTA helps cover employees

Business Travel Accident (BTA) Insurance

Employees traveling for business are vulnerable to disruption and require insurance coverage and emergency assistance services they can depend on. Whether an employee’s challenge is a lost passport, a security threat, or a medical emergency, Business Travel Accident insurance can provide a single, comprehensive solution for today’s domestic and international travelers. BTA programs through AIG companies can provide employees with a full range of business travel insurance coverage and traveler assistance services ensuring a consistent solution from a single point of contact.

Plan Highlights

  • Helps employers demonstrate and reinforce their commitment to the safety and well-being of their traveling employees by helping to meet their “duty-of-care” obligations

  • Offers proactive and integrated technology solutions such as end-to-end travel risk management

  • Includes 24/7 access to AIG’s wholly owned AIG Travel assistance services worldwide
  • Provides seamless integration of insurance and service offerings to help minimize liability for employers

  • Offers benefits that are payable in addition to workers’ compensation, group life coverage or any other coverage

  • Includes 24/7 access to the AIG Travel Assistance website and mobile app* that provides traveling employees with emergency contacts, travel risk training, important travel security and health information, and country/city guides available any time

*The AIG Travel Assistance website and mobile app is only available to certain member policyholders. 

The core benefit of BTA Insurance is 24-hour Accidental Death & Dismemberment (AD&D) coverage. Additional coverages available include supplemental out-of-country accident and emergency sickness medical, emergency medical and security evacuation, repatriation of mortal remains, and travel inconvenience benefits including lost personal property and travel delay. You may choose to cover all employees, specific groups of employees or certain non-employee groups (subject to approval) such as non-employee Board of Directors. Certain benefits and limits by class can be customized according to an organization's requirements.

We offer comprehensive Business Travel Accident plans with the following benefits:

  • An easy program to administer, with a closed loop between insurance, services and claims administration
  • Streamlined coordination between members of risk management, benefits, security and medical departments of an organization
  • Outstanding 24/7 travel assistance service from AIG Travel with full cost transparency–there are no additional case fees or markups at time of service
  • Includes access to the AIG Travel Assistance website and mobile app providing traveler resources before and during travel
  • Benefits payable in addition to workers’ compensation or group life coverage
  • Broad array of additional benefits that can be included to provide coverage for day care costs, spouse re-education, and counseling in the event of a covered Accidental Death
  • Coverage for specified personal trips taken in connection with a business trip, as well as for family members traveling with the employee on approved business travel

Wherever traveling employees may be, in the event of a medical emergency or unexpected travel problem, they are never more than a phone call away from our global state-of-the-art service centers. In addition to 24/7 phone assistance, employees also have access to our secure travel assistance website and mobile app* (available on iOS and Android) for fast and convenient access to in-depth travel, security and health information:

  • One Touch ‘Help’ Button connects travelers directly to emergency assistance
  • Assistance ID Card can be accessed via the app in the event the physical card is forgotten or lost
  • Country Reports and City Guides provide key information on political conditions, security issues, travel logistics, cultural factors, contact details and health advisories with the ability to favorite reports for easier access
  • Security Travel Alerts are email subscriptions that can be managed via the app to obtain security level developments that may affect travelers destination(s)
  • Provider Directory contains contact information for healthcare providers in various locations around the world with a map view and ability to turn on GPS and locate providers nearby
  • Medical Translations Tool translates medical terms into multiple languages with the ability to listen to the translation
  • Drug Brand Equivalency Tool generates over-the-counter drug brand names and their equivalent names for multiple countries
  • Security Awareness Training through online travel safety videos and knowledge tests provides basic tools and information to be an aware, organized and prepared traveler with the ability to email the certificate of completion. Contact your AIG representative for a demonstration of the assistance website and mobile app.

    *
    The AIG Travel Assistance website and mobile app is only available to certain member policyholders. Expenses incurred from third party vendors for assistance services not part of a filed insurance plan are the responsibility of the traveler. Contact your agent, broker or AIG representative to learn more.
  • Small to large businesses in all industries
  • Growing middle-market companies
  • Multinational corporations

Our BTA Multinational Plan helps multinational employers fulfill local requirements through one convenient, centrally administered program.
 

  • Controlled master program provides fully coordinated and centralized account underwriting, administration, and claims management
  • Worldwide standardization of key benefits and services
  • Consolidated account management and travel assistance services
  • Solutions for compliance with local country requirements and market standard benefits.
  • Ease of use: one card, one phone number, one website

Policies issued by National Union Fire Insurance Company of Pittsburgh, Pa. (NUFIC), a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 15th Floor, New York, NY10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. NUFIC is responsible for the financial obligations of its insurance products and is a member of American International Group, Inc. (AIG). Products may not be available in all states and product features may vary by state. Guarantees are backed by the claims-paying ability of the issuing insurance company.


AIG Travel, Inc., a member of American International Group, Inc., is a worldwide leader in travel insurance and global assistance. Travel Guard® is the marketing name for its portfolio of travel insurance and travel-related services, including medical and security services, marketed to both leisure and business travelers around the globe. Services are provided through a network of wholly owned service centers located in Asia, Europe and the Americas. For additional information, please visit our websites at www.aig.com/travel and www.travelguard.com. Products or services may not be available in all countries or states, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties.

                                                                                                                                                                                              DCA-11285-18