Travel Insurance is a specialized policy designed for business people who travel frequently. Benefits are paid when a covered employee suffers death, injury or illness while traveling on business-whether in the United States or in a foreign country. Travel  Insurance covers losses that many other insurance policies exclude, such as terrorism and acts of war. This benefit helps employers manage risk: an optional feature encourages seat belt and air bag use by providing an additional benefit if loss occurs in an auto accident when those safety devices are in use.