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When you have a business trip coming up that will take you around Spain – or indeed, to other parts of Europe or beyond – it will be crucial to guard against the many risks that such a journey could bring.

But with there being so many options for expat travel insurance in Spain, it might seem difficult at first to whittle down what you need… and what you don’t require.

Below, then, we have set out a few of the things you should most urgently consider when you are perusing potential business travel insurance policies.

• Coverage scope and destination

Whether your business trip will involve you staying in Spain or you will be on the broader European continent or beyond, it will be important to make sure your chosen policy covers this. Some policies exclude certain “high-risk” countries, so you should double-check this.

You might also have certain business-specific needs – for example, protection for laptops or other professional gear. So, again, it is worth checking whether these would be covered by any given policy you’re considering.

• Healthcare and medical coverage

You might already have other arrangements – such as private health insurance – for covering any potential healthcare or medical costs during your business trip. However, you may need your travel insurance to supplement this, particularly if your trip will take you to a jurisdiction where your Spanish coverage may not apply.

So, if you require such coverage, be sure to look for policies that include emergency medical expenses and repatriation, and check that the specific coverage limit will be sufficient.

Another important note: make sure you disclose any pre-existing conditions to avoid any future claim being rejected.

• Trip cancellation and delays

Even when the best possible planning is done, a sudden and unforeseen event – such as an illness or family emergency – could force your trip’s cancellation. So, it is worth looking out for a travel insurance policy that covers non- refundable expenses, such as flights and hotels.

Of course, delays can easily happen on a business trip too, due to something as simple as an issue with the flight. Given the tight schedules that business trips often need to run on, this could leave you or your business seriously out of pocket if your insurance doesn’t cover such delays.

• Personal liability and belongings

Any accidental damage or injury caused to others during your business trip would already be enough of a disaster – and even more so, if it turns out you aren’t insured against this risk. The right personal liability cover, then, can be critically important for such journeys.

We touched on it briefly earlier, but it’s worth re-emphasising: you should carefully scrutinise what a given policy covers when it comes to lost, stolen, or damaged belongings, including checking the specific limits and any exclusions.

This could be particularly crucial for business equipment, laptops, and documents.

• Duration and frequency

It might seem “obvious”, but you may easily overlook the importance of ensuring your chosen policy will cover you for the entire duration of your business trip. You can expect a maximum permitted length of trip to be mentioned in the policy terms.

Finally, if you travel frequently for business or expect to do so, we strongly urge you to look at annual “multi-trip” or “year-round” policies. Such a policy may be more cost-effective over the course of the year than multiple single-trip policies.

Why wait any longer to request your competitive quote?

With four different levels of cover available to choose from, and the policy itself being underwritten by an ‘A’-rated global insurance company, we can present you with a wealth of appealing options for expat travel insurance in Spain.

Spain Travel Insurance is part of the trusted and long-established Ibex Insurance Group, so you can be assured of being in good hands. Why not, then, ask for a quote for single-trip or annual travel insurance through us today?