Business Travel Accident Insurance (BTA)

Business Travel Accident Insurance (BTA)

Learn about Tokio Marine HCC – MIS Group’s Business Travel Accident insurance and how it can benefit your clients.

Still have questions? Use the form below to get in touch.


What Is Business Travel Accident Insurance (BTA)?

Business Travel Accident insurance (BTA) provides emergency medical, travel, and evacuation benefits for a company’s employees who are traveling internationally on official business.

It is designed to meet the needs of businesses who send employees to foreign countries on work-related trips.

Our BTA product is insured by U.S. Specialty Insurance Company (USSIC).


Who Can Purchase Business Travel Accident Insurance?

BTA is available to any business that has employees who travel on its behalf. The policyholder is the business itself, and the insured persons are the employees who travel.

For proposals submitted using our online portal, companies must have fewer than 1,000 full-time employees. It is not available for any group that is not an employer providing coverage for its employees, and some states may require a minimum group size to provide coverage. Explore a demo of the online portal.

Agents may also submit a paper application for companies not meeting those qualifications.

Please consult a Tokio Marine HCC representative to explore custom-tailored solutions for your client’s needs.


What Does Business Travel Accident Insurance Cover?

We offer our Business Travel Accident product with three different options: Gold, Silver, and Bronze. These options contain mostly the same benefits, but different per-benefit limits.

Benefits packages are subject to state-specific availability and restrictions. BTA plans may include the following, plus many other potential benefits:

  • Emergency Medical Evacuation
  • Out of Country Medical Treatment
  • Accidental Death
  • Accidental Dismemberment
  • Hospital Admissions Guarantee
  • Repatriation of Remains
  • Exposure and Disappearance
  • Carjacking
  • Coma

Consult a Tokio Marine HCC – MIS Group representative to review product availability and to obtain a state-specific quote for your client.


Where Is This Product Available?

We offer BTA insurance to businesses based in the United States, except those based in the state of Washington.


What Is the Process for Selling BTA?

The basic process for an agent selling Business Travel Accident insurance consists of the following steps:

  1. Complete the agent appointment process.
  2. Submit a new proposal (you will receive the proper forms after completing the appointment process).
  3. Tokio Marine HCC – MIS Group representative modifies, approves, or rejects the proposal.
  4. Agent binds an approved proposal and submits it with a payment or a promise to pay.

You may edit a proposal until it is bound and submitted with payment.

The customer will either submit payment using a credit card or the system will create an invoice to be given to the customer. If an invoice is created, a billing and aging process will follow.

The policy will be null and void if payment is declined or not received within a specified number of days.

A minimum premium of $500 per policy applies, regardless of the number of employees covered under the plan.


I Have More Questions. Who Do I Ask?

We’d love to discuss your unique needs and devise a solution that fits your situation.

Use the form below to contact Kristen. She will respond promptly to answer your questions and help you get started offering BTA to your clients.

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