The insurance is valid on a business trip, which begins when you leave your home or your office and ends when you return to one of these addresses. Your normal travel between your home address and your office is not considered a business trip. Depending on the policy, the insurance is valid on domestic trips, abroad or worldwide and may also include cover for leisure time trips. You can check the coverage from your employer. During your business trip, if you compete in some sports or do some high-risk sports activities like climbing, diving or off point down hill skiing, please check in advance with If how you are covered.