bta in travel

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Could you explain what the basic traveling allowance means?

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May 30, 2023

By Kristy Tolley

What is the Basic Traveling Allowance (BTA)?

Traveling abroad for various reasons such as business, education, or leisure can be a costly affair. The basic traveling allowance (BTA) is an allowance given to travelers by their home country’s government to help them meet their expenses while abroad. BTA is a crucial financial aid provided to help travelers manage their expenses during their trip.

Definition and Meaning of BTA

The basic traveling allowance is a sum of money that is provided to travelers by their home country’s government to help them cover their expenses while traveling abroad. BTA is usually given in the form of cash, traveler’s cheques, or a prepaid card. The amount of BTA provided to individuals varies depending on the country of destination, the purpose of travel, and the duration of stay.

Why is BTA Required?

Traveling abroad can be expensive, and the expenses can vary depending on the country of destination, the purpose of travel, and the duration of stay. The basic traveling allowance is required to help travelers manage their expenses while abroad and prevent them from running into financial difficulties. BTA is also provided to ensure that travelers have sufficient funds to return to their home country in case of an emergency.

Who Needs to Apply for BTA?

Anyone who is traveling abroad and needs financial assistance can apply for BTA. However, the eligibility for BTA varies from country to country, and travelers are advised to check with their respective governments’ travel policies.

How to Apply for BTA?

The process of applying for BTA varies from country to country. Generally, travelers need to fill out an application form and provide proof of their travel plans, such as flight tickets and hotel reservations. They may also need to provide proof of financial stability and a valid passport.

How is BTA Calculated?

The amount of BTA provided to travelers is calculated based on various factors such as the country of destination, the purpose of travel, and the duration of stay. In some countries, BTA is calculated based on the daily expenses of the traveler. In other countries, BTA is a fixed amount.

BTA Limits and Restrictions

There are limits and restrictions on the amount of BTA that can be provided to travelers. These limits and restrictions vary from country to country, and travelers are advised to check with their respective governments’ travel policies.

What Expenses Can BTA Cover?

The expenses that can be covered by BTA vary depending on the country of destination, the purpose of travel, and the duration of stay. Generally, BTA can cover expenses such as accommodation, food, transportation, and emergency medical expenses.

How to Get BTA in Different Countries?

The process of getting BTA varies from country to country. Travelers are advised to check with their respective governments’ travel policies to determine the process of getting BTA in their country of destination.

What Happens if You Don’t Use BTA?

If travelers do not use their BTA during their trip, they can exchange it for their home country’s currency upon their return. However, there may be restrictions on the amount of BTA that can be exchanged.

How to Exchange Unused BTA?

The process of exchanging unused BTA varies from country to country. Travelers are advised to check with their respective governments’ travel policies to determine the process of exchanging unused BTA.

Conclusion: Benefits and Drawbacks of BTA

The basic traveling allowance is a crucial financial aid provided to travelers to help them manage their expenses while abroad. However, there are limits and restrictions on the amount of BTA that can be provided, and travelers are advised to check with their respective governments’ travel policies. While BTA can be beneficial for travelers, it is important to spend it wisely and keep track of expenses to avoid running out of funds during the trip.

Kristy Tolley

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How to Apply for PTA and BTA from Banks in Nigeria

Are you relocating or traveling abroad soon? Then you need to request for a travel allowance from your bank. Here’s why – at the moment, there’s a significant gap between the official rates and black market rates. 

Unfortunately, this means any Nigerian traveler who plans on swapping their Naira for USD, GBP, or EUR before traveling abroad is automatically at a loss because they have to do this exchange using the black market rates. 

Thankfully, the Central Bank of Nigeria (CBN) allocates specific foreign exchange currencies for situations like this. So if you’re eligible for a travel allowance, you can swap your Naira directly from your bank at a lesser rate. In this article, we’ll show you how to do this. 

Types of Travel Allowance

If you’re traveling abroad, you can either apply for a personal travel allowance (PTA) or a business travel allowance (BTA). This is also available in any registered traditional bank in Nigeria.

You can get a PTA if you’re traveling as an international student or going on a vacation. However, you can only purchase up to $4,000 every quarter (90 days). BTAs are for executives traveling solely for business reasons and the limit is $5000 every quarter (90 days).

Eligibility Criteria for PTA from the Central Bank of Nigeria

So if you have personal reasons for traveling abroad and you’re ready to apply for a PTA, here are the requirements 

• An international passport
• A flight ticket originating from Nigeria
• A valid visa
• Admission letter if you’re going as a student
• Return flight tickets
• You have to be older than 18 years
• Not be visiting a blacklisted country
• The travel date should be within the next two weeks

Once you have all of this available, you can now follow the steps to apply.

Steps to Apply for a PTA in Nigeria

Fortunately, the entire application process is now online. Here’s how to go about it;

• Visit the trade portal monitoring system’s website
• Create an account by entering your valid BVN

• An OTP will be sent to the email address linked to your BVN
• Log in and tap on form A

• Fill out your personal information and click on next
• Tap on PTA and fill out the remaining details like how much you need

• Fill out your bank information and the branch you’d want to pick up your cash from
• Upload all the necessary documents and don’t forget to include a letter of authority to debit your account
• Preview your form and submit
• You’ll get a response within 14 days

Also, keep in mind that the cost of this application is N5,000 and it’ll be directly debited from the account you entered in your application. Once you get a response, visit the bank with your international passport to pick up your request.

CBN Requirements for BTA in Nigeria

The requirements for a business travel allowance are a lot more rigid than a personal travel allowance. Here’s what you need to qualify for a BTA;

• Introduction letter from your company explaining the reason for the travel
• A letter of invitation from your business partners abroad
• Copies of the CAC documentation
• The travel and return date should be within the next two weeks
• A credit balance of the amount you want to purchase

Steps to Apply for BTA

If you have all of these documents available, here’s how to apply for a business travel allowance online;

• Enter the type of BTA you’re requesting for along with how much you need
• Fill out your bank information and the bank branch if you’re picking up your cash 
• Upload all the necessary documents and don’t forget to include a letter giving authority to debit your account

You’ll get a response within the next 14 days. Be sure to keep checking your portal within this period.

A lot of travelers get tempted to either upload fake tickets or other documents especially when they don’t meet all the criteria. However, this is a punishable offense by law. So we recommend preparing ahead of time.

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Travel Allowance For BTA and PTA: A Complete Guide to Foreign Exchange Transactions

Introduction to travel Allowance for BTA and PTA

BTA and PTA Travel Allowance: Traveling abroad, whether for business or leisure, often requires access to foreign currency. In Nigeria, the Central Bank of Nigeria (CBN) has provisions for travelers to obtain foreign exchange under the Business Travel Allowance (BTA) and Personal Travel Allowance (PTA) schemes. These allowances enable travelers to access the necessary funds for their trips without the hassle and high costs associated with unofficial exchange rates. In this comprehensive guide, we will walk you through the process of getting started, how to get access to BTA and PTA, and how DLM FX trading, through its Viewpoint Bureau De Change, can help travelers achieve their goals with ease.

Understanding BTA and PTA Travel Allowance

What is Business Travel Allowance (BTA)?

Business Travel Allowance (BTA) is a provision by the CBN that allows Nigerian residents traveling abroad for business purposes to access foreign currency. This facility is designed to support businesses and ensure that their representatives can cover expenses related to travel, accommodation, and other business-related costs while abroad.

What is Personal Travel Allowance (PTA)?

Personal Travel Allowance (PTA) is a similar provision by the CBN that caters to Nigerian residents traveling abroad for personal reasons, such as tourism, education, medical treatment, or visiting family and friends. PTA ensures that individuals have access to foreign currency at official exchange rates, making their trips more affordable and convenient.

Getting Started with BTA and PTA

Eligibility criteria.

To access BTA and PTA, travelers must meet specific eligibility criteria set by the CBN. These include:

• Nigerian Residency: Only Nigerian residents are eligible for BTA and PTA.
• Valid International Passport: Travelers must possess a valid Nigerian international passport.
• Confirmed Travel Plans: Proof of confirmed travel plans, such as a return ticket, is required.
• Travel Frequency: BTA and PTA can be accessed only once per quarter per individual.

Required Documentation

Before applying for BTA or PTA, travelers need to gather the necessary documentation. The typical documents required include:

• Duly Completed Application Form: This form can be obtained from the bank or Bureau De Change (BDC) where the application is being made.
• Valid International Passport: A copy of the bio-data page and the visa page (if applicable).
• Return Air Ticket: A copy of the confirmed return air ticket.
• Bank Verification Number (BVN): A copy of the applicant’s BVN.
• Tax Clearance Certificate: For BTA applications, a tax clearance certificate may be required.

Application Process

The process of applying for BTA and PTA involves several steps:

• Choose a Bank or Bureau De Change (BDC): Travelers can apply for BTA and PTA through their bank or a licensed BDC. DLM FX Trading’s Viewpoint Bureau De Change is a reliable option for this process.
• Submit Application Form and Documentation: Complete the application form and submit it along with the required documentation to the chosen bank or BDC.
• Verification and Approval: The bank or BDC will verify the submitted documents and, upon approval, will provide the requested foreign currency.
• Collection of Foreign Currency: Once approved, travelers can collect their foreign currency either in cash or have it credited to their foreign currency account.

How DLM FX Trading’s (Viewpoint Bureau De Change) Can Help

Reliable and Efficient Service

DLM FX Trading, through its Viewpoint Bureau De Change , offers travelers a reliable and efficient service for accessing BTA and PTA. With a commitment to customer satisfaction, Viewpoint BDC ensures that the application process is smooth and hassle-free, helping travelers obtain the foreign currency they need in a timely manner.

Competitive Exchange Rates

One of the significant advantages of using Viewpoint BDC is the access to competitive exchange rates. Unlike unofficial channels where rates can be exorbitant, Viewpoint BDC provides travelers with foreign currency at official exchange rates, ensuring better value for their money.

Expert Guidance and Support

Navigating the process of obtaining BTA and PTA can be complex, especially for first-time travelers. Viewpoint BDC offers expert guidance and support throughout the application process. Their experienced staff can assist with completing the application form, ensuring that all required documentation is in order, and providing valuable tips for a successful application.

Secure Transactions

Security is a top priority when dealing with foreign exchange transactions. Viewpoint BDC ensures that all transactions are conducted securely, safeguarding travelers’ funds and personal information. This peace of mind is essential for travelers, knowing that their financial transactions are in safe hands.

Convenient Locations

Viewpoint BDC has conveniently located branches, making it easy for travelers to access their services. Whether you are in Lagos, Abuja, or any other major city in Nigeria, you can find a Viewpoint BDC branch nearby, ready to assist you with your BTA and PTA needs.

Step-by-Step Guide to Accessing BTA and PTA with Viewpoint Bureau De Change

Step 1: Gather Required Documentation

Before visiting Viewpoint BDC, ensure you have all the necessary documents ready. This includes your valid international passport, confirmed return air ticket, BVN, and a completed application form. For BTA applications, ensure you have your tax clearance certificate.

Step 2: Reach out Viewpoint BDC Contact

Visit dlm.group website. From the homepage click on the DLM FX section to navigate to the appropriate section. It is advisable to call instead of coming in person or check website for any specific requirements or email to reach out regarding the application process.

Step 3: Submit Application Form and Documentation

Submit your completed application form along with the required documentation. The staff at Viewpoint BDC will review your documents and assist with any corrections or additional information needed.

Step 4: Verification and Approval

Viewpoint BDC will verify your documents and process your application. This may take some time, so it is essential to apply well in advance of your travel date to avoid any last-minute delays.

Step 5: Collect Your Foreign Currency

Once your application is approved, you can collect your foreign currency. Viewpoint BDC offers the option to receive the currency in cash or have it credited to your foreign currency account, providing flexibility based on your preference.

Tips for a Smooth BTA and PTA Application Process

Apply Early

To avoid any last-minute rush and potential delays, apply for your BTA or PTA well in advance of your travel date. This allows ample time for document verification and approval.

Ensure Accurate Documentation

Double-check all your documents to ensure they are accurate and complete. Any discrepancies or missing documents can result in delays or rejection of your application.

Stay Informed

Keep yourself updated on any changes in the CBN regulations regarding BTA and PTA. This ensures that you are aware of the latest requirements and can prepare accordingly.

Use Licensed BDCs

Always use licensed and reputable BDCs like Viewpoint BDC to avoid falling victim to scams or fraudulent activities. Licensed BDCs adhere to CBN guidelines and provide secure and reliable services.

Maintain a Travel Log

Keep a record of your travel history and BTA/PTA transactions. This can be useful for future applications and helps you stay organized.

Conclusion to Travel Allowance For BTA And PTA

Accessing foreign currency for travel can be a daunting task, but with the right information and support, it becomes a seamless process. Business Travel Allowance (BTA) and Personal Travel Allowance (PTA) provided by the CBN offer Nigerian travelers a convenient and cost-effective way to obtain foreign currency. DLM FX Trading’s Viewpoint Bureau De Change stands out as a reliable partner in this process, offering competitive exchange rates, expert guidance, and secure transactions. By following the steps outlined in this guide and leveraging the services of Viewpoint BDC, travelers can confidently navigate the process of obtaining BTA and PTA, ensuring a smooth and enjoyable travel experience.

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Travelling soon take one thing off your checklist..

Making travel plans is stressful enough already; that’s why we are helping you take one thing off your checklist.

Apply for your Personal or Business Travel Allowance at any of our branches and get your funds in record time.

No matter what your FX travel needs are, we have the perfect solution for you. Walk into any Union Bank branch today to get your Personal or Business Travel Allowance. You can choose to collect in cash or load to your UnionAce card for security and convenience.

Don’t forget, you can also get great rates on your travel insurance policy when you purchase through our partners. Talk to us to find out more.

Click here to locate a branch closest to you or book an appointment on UnionCalenda and visit the banking hall at your convenience.

Who can apply?

You can apply for your PTA/BTA if:

• You are at least 18 years old
• The flight time to your travel destination is 5 hours or more
• The purchase is within 14 days of your departure

Requirements

• Personal Travel Allowance
• Business Travel Allowance
• School Fees Payment
• Medical Bills Payment
• A valid Nigerian passport
• A valid visa of the country of destination
• A return air ticket
• Certificate of Incorporation
• Letter of invitation from the company abroad
• Letter of nomination from the Nigerian company

* Please note that the quarterly limit per person is $4000 or its equivalent in Euro or Pounds for personal travel and $5000 or its equivalent in Euro or Pounds for business travel

• Completed Form A application
• Valid means of ID of the applicant
• International passport data page of the student
• Admission letter from school of choice (this should include fees to be paid)
• First degree certificate (for post-graduates)
• Bank details of the school
• Account funded with Naira equivalent of requested amount
• Written instruction giving authority to debit
• Duly filled letter of indemnity if name differs and guardian is making payment

Please note:

• You must be applying to a university/tertiary institution
• The maximum limit per semester is USD $15,000 or its equivalent in Euro or Pounds
• Fees will be paid directly to the school
• Completed Form A application.
• International passport data page must be submitted for processing
• Applicant must possess valid visa and flight ticket
• Written instruction giving authority to debit. Signature must be verified
• Specialist letter of recommendation for medical treatment abroad

Frequently Asked Questions

What is pta/ bta.

PTA/BTA is a foreign currency product that ensures customers who are travelling out of the country on personal or business trips have access to foreign currency at approved CBN rates.

Do I need to have a Union Bank account to buy PTA or BTA from any of your branches?

No, you do not need to be a Union Bank account holder to access this service.

Can I get the FX in cash if I do not have a domiciliary account with the Bank?

Yes, you can.

Can I get PTA on behalf of someone?

No, you cannot get PTA on behalf of someone.

Can I also get travel insurance cover from the Bank?

Yes, you can get travel insurance from any of our partners when you visit the branch.

Do I need to have a Union Bank account to access PTA for school fees payment?

Yes, you do.

What is the maximum amount I can access for my school fees payment?

The maximum limit per semester is $15,000

We are available 24/7!

Contact us via these channels:

Email – [email protected]

Call – +234 (0) 700 700 7000 or +234 (1) 271 6816.

WhatsApp – +234 (0) 907 007 0001

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• request for and access your Personal Data collected and stored by Union Bank
• withdraw consent at any time. For example, you can withdraw your consent to receipt of our marketing or promotional materials or unsubscribe to our newsletters
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• request for deletion of your Personal Data
• be informed of and entitled to provide consent prior to the processing of Personal Data for purposes other than that for which the Personal Data were collected
• request that Union Bank restricts processing of your Personal Data
• request for information regarding any specific processing of your personal data

PTA and BTA ▷ How to Apply Online and in Nigerian Banks Now!

Lot of Nigerians are concerned about the rates and requirements to register and buy Personal Travel Allowance (PTA) and Business Travel Allowance (BTA) from banks.

Are you one of them?

Have you been asking how much is PTA/BTA (US Dollar, EUR, GBP) in Nigeria banks today?

If YES, this is the only article to read today as you will get to know the right steps to take.

Getting started…

Personal Travel Allowance (PTA) Requirements in Nigeria

Here are the requirements for PTA:

• You are at least 18 years old.
• The flight time to your travel destination is 5 hours or more.
• The purchase is within 14 days of your departure.
• A valid Nigerian passport.
• A valid visa of the country of destination.
• A return air ticket.

How to Apply for Personal Travel Allowance (PTA) Online

This form is used by an individual to apply for foreign exchange personally.

Only the applicant can be the beneficiary.

A quarterly limit of $4000 is applicable here.

Here are the steps to apply for PTA online:

• Login into the TRMS applicant portal.
• At the Trade Services TAB, click on the Personal Travel Allowance (PTA).
• Fill all the required fields properly.
• Attach Documents requested on the document Tab. Documents can be in PDF/JPG/PNG/TIFF form and should not be over 1.99mb.
• Preview your form before submission by clicking on the preview tab at the top right of the page or NEXT at the bottom on the Page.
• An email will be sent notifying you that your application is being processed.

Business Travel Allowance (BTA) Requirements in Nigeria

Here are the requirements for BTA:

• Certificate of Incorporation.
• Letter of invitation from the company (business partner) abroad.
• Letter of nomination from the Nigerian company.

How to Apply for Business Travel Allowance (BTA) Online

BTA form is used by an organization to apply for foreign exchange for their employees.

A quarterly limit of $5000 per beneficiary is applicable here.

Here are the steps to apply for BTA online:

• Log into the applicant portal.
• Review the basic information and click on NEXT.
• On the Trade Services TAB, click on the Business Travel Allowance (BTA) shortcut or navigate to the BTA transaction purpose field.

What if I have a Visa on Arrival?

If your destination country is visa on arrival:

• Ensure your trip meets PTA requirements.
• If it does, login to the portal.
• Fill the fields and upload the documents (international passport data page, return flight ticket).
• Upload a blank document as a visa page.
• Then, contact your bank to explain that you do not actually require a visa to visit the destination country. An exceptional approval should cover for that.
• PTA turnaround time is 1 business day.
• A residence permit to your destination country can be used in place of a visa or e-Visa.
• For PTA, third-party applications are not allowed. However, you can apply for a BTA if your third-party is a corporate account.
• To avoid issues, your bank account name should be the same as your passport.
• Depending on the bank, PTA can be given out in cash or electronically.
• Once your application is approved by the trade system, a 16-digit ‘form number’ is generated and displayed on your request. You can also contact your bank to confirm and proceed for collection.
• Most banks operate on a first-come-first-serve basis. So, after application, follow up with your bank with your AF-number.
• After collecting the dollars and eventually you didn’t travel, you’re expected to return the cash to the bank within 2 weeks.
• If you couldn’t upload your flight ticket while uploading the required documents, just login, choose form-a click history, choose the application and upload missing documents. Ensure to fund your account before applying.
• You can inquire about the exchange rate and turnaround time from your bank. Insufficient funding is a good reason to disapprove a TRMS transaction.
• If you are having adb_review status after application, contact your bank with your AF number.

PTA and BTA FX Defaulters

Commercial banks are required by Central Bank of Nigeria (CBN) regulations to publish names and BVN of PTA and BTA FX defaulters.

The customers to be listed cancelled their trip and failed to return the FX availed to them despite several mails, text messages and follow-up phone calls.

This offense can earn the defaulter a BVN blacklist and/or jail term.

Hope you learnt a lot from this article?

READ ⇒ The Right Ways to Pay School Fees Abroad from Nigeria

Saint Chinedu

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my Girlfriend is here she is going to return to the US her agent the book the bride said she needs 1000 BTA basic gravel allowance to board the plane back home is that true

I like your page

Can someone purchase PTA/BTA with another countries passport in Nigeria, in case of Dual citizenship and having a valid/residence visa/permit of the destination country in the other passport?

Can I start BTA with 500,000,00 naira or PTA

Thanks for the information.

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Looking Ahead to 2025: Navigating a Shifting D&O Insurance Landscape

Q2 2024 Commercial Insurance Market: Positive Conditions Across Most Segments

International travel: business travel and accident (bta) insurance protects employers.

Business travel accident (BTA) insurance plans are staples in corporate portfolios, minimizing travel risk and protecting employees with medical coverage. However, as business travel plummets, the need for new BTA plans declined and put incumbent plans at risk for renewal. As a result, some employers terminated or did not renew their BTA plans, repurposing the cost of these plans to other needs.

Now is the time for companies to assess how they will protect employees as they face new travel risks and overcome gaps in traditional BTA plans.

Business travel losses have been staggering, resulting in a 79% decline in North America travel from April to December of 2020.

The Good News is That 2021 is Showing a Robust Rebound

Source: Global Business Travel Association

BTA Critical Coverage

Elements Employers are ramping up their due diligence efforts to protect their employees. Whether in the workplace or during business travel, companies remain focused on protecting their employees' health, safety, and welfare.

Where there is peak interest is whether policy limits are sufficient to address potential increased exposures. For example, robust BTA programs cover incidents of COVID 19 virus, which realistically has not changed and still protects employees who contract the virus. However, employers must address gaps where there may be inadequate coverage, especially for employees who travel to foreign countries.

One area of recent interest is whether COVID-19 testing is a covered expense by OOC Medical riders. Our experience suggests that this is not the case, such riders are specific to urgent and emergency illnesses or accidents, not intended to support tests prior to or after business travel. Additionally, the OOC medical coverage only applies once the insured has left their home country. The expectation is that covid testing to certainly be an eligible expense for home country programs or other primary medical plans. Of course, each situation may be different, and each claim should be evaluated by the carrier based on specific circumstances and policy language.

New Considerations for BTA Coverage

BTA policies provide vital protection for an active, multinational workforce. As companies reconfigure how and where their workforce performs their jobs, they must also consider their eligibility for BTA coverage.

In addition to the place of employment, companies must also identify coverage gaps. Of primary concern are OOC medical limits, which are typically capped at $100,000. However, given the COVID-19 virus spread, medical costs will quickly deplete that limit. Consideration of larger limits like $250,000 or $500,000 may be more appropriate.

Finally, corporations may consider the need for travel tracking apps to verify the location and whereabouts of employees. These apps are becoming more popular but do have a policy and legal ramifications to consider.

Developing a Global Standard for Mitigating Travel Accident Exposures

Companies are taking a closer look at corporate travel accident exposures. As uncertainty increases, it is time to migrate to a new paradigm that protects both employers and employees.

Employers can do their part to protect employees by establishing clear guidelines for travel, including pre-trip approval and assessment of travel risk. Scheduling trips through a single travel channel as well as providing information to employees on what to do in a crisis is also helpful, according to Direct Travel . Companies can also use a single travel carrier to arrange travel and provide employee assistance wherever they travel.

BTA carriers can ensure a consistent solution, provide a single point of contact, and offer a full range of business travel insurance coverage and assistance services. In addition, a comprehensive BTA benefit will complement an employer’s primary medical and worker compensation programs, including foreign medical assistance, medical evacuation, and repatriation of remains provisions.

BTAs are Now Creative and Flexible

Standard BTA policies are becoming more flexible and creative, adapting to new scenarios that would not typically come to mind. As business travel increases on domestic and international fronts, assessing new risks and protecting employees have never been more critical.

As we adapt to new post-pandemic environments, Woodruff Sawyer works closely with clients and carriers to understand their risks and get the most from their BTA policies. For more information, reach out to us or subscribe to the Woodruff Sawyer newsletter to get expert insights into benefits, risk, and current trends.

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What Every Business Should Know about Business Travel Accident (BTA) Insurance

Written by Adrienne Schickert on Sep 6, 2022

Most businesses will do anything in their power to keep their employees safe from the expected (e.g., providing health insurance) to the routine (e.g., detailing safety procedures in the employee handbook) to the unimaginable. No one expects accidental injury or death to occur on an ordinary work trip, but it's a real possibility that any business should be prepared for. That's where business travel accident (BTA) insurance comes in.

What is business travel accident insurance?

Business travel accident (BTA) insurance provides financial protection for businesses, employees, and their families in the event of an accident during a business trip. This can include accidents that occur while traveling to and from work-related events, as well as those that happen during short-term or long-term work-related travel.

BTA insurance provides separate and essential insurance not included in other types of commercial lines , such as workers' compensation or life insurance, but it is not intended to replace those policies. Rather, it fills in essential gaps in coverage, functioning as an “umbrella” policy under which various facets of travel benefits and services can be given to employees while traveling on business without integration into other insurance programs.

What does business travel accident insurance cover?

BTA insurance can cover expenses related to medical treatment, lost wages, and death. It can also provide coverage for travel disruptions caused by an accident, as well as emergency evacuation and repatriation costs. Most BTA policies cover long-term travel for up to a year.

One misconception about BTA coverage is that it is intended only for travel over long distances or extreme circumstances. Depending on the type of coverage, your employees can be covered whether they are going down the block for a business lunch or traveling halfway around the world for a conference. Coverage depends on your company's needs, but could include:

• Business-only coverage for local, domestic, or international travel
• 24-hour all risk business & pleasure coverage, for "always-on" employees like the C-suite or those traveling on long-term foreign assignments
• Occupational accident coverage for high-risk fields in which employees could be injured during their work, regardless of whether they are traveling
• Coverage extensions for 1099 contractors, board members, and other non-employees

How can you customize business travel accident insurance to your needs?

BTA insurance can be customized to fit the specific needs of a business. For example, some businesses may want to add coverage for trip cancellations or interruptions due to an accident. Others may want to increase the level of coverage for medical expenses or lost wages.

Industry-specific enhancements are numerous but may include:

• Corporate aircraft coverage
• War risk coverage
• Political evacuation
• Out of country medical coverage

Additionally, most policies come standard with employee resources like assistance with medical evacuation or repatriation.

How do you know if your business needs business travel accident insurance?

A lot of companies think that if they have something like foreign workers' compensation coverage, that is enough to cover the greatest risks during travel. Most accidental death and injury claims come from car accidents. How are your employees covered for something like the ride to and from the airport?

After the outbreak of COVID-19, many businesses cancelled or postponed work-related travel. However, as we saw a rise in remote work, we also saw an uptick in travel by "road warriors" in some fields, especially those in sales and high-contact fields looking to maintain relationships with clients. Plus, flexible "work-from-anywhere" policies at startups and tech companies are blurring the lines between domestic and overseas work, potentially putting companies at risk when business travel accident coverage is not considered.

While some companies will require coverage at substantially larger premiums than others, BTA insurance can be beneficial for nearly any business and will continue to play a role in the future of business as we see world conditions change.

For more information on business travel accident insurance and to find the best policy for your company, contact the experts at B. F. Saul Insurance today.

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Adrienne Schickert is an insurance advisor with over 15 years of experience in the industry. As Vice President and Account Executive in B. F. Saul Insurance’s Commercial Lines practice, she provides clients with guidance on coverage, appropriate limits, risk management, and claims. Adrienne specializes in advising clients with difficult or diverse operations and helping them manage their risk holistically.

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Any advice, information, data, communication, proposal and/or document transmitted to you in or in connection with this blog (including, without limitation, any past or future written or oral communications in connection with this blog or its subject matter, and any replies to or forwarded messages in connection with this blog) (collectively, this “Communication”) shall not be deemed legal advice and are not a substitute for the guidance of your legal, tax, financial or other professional advisors. The information contained in this Communication is based on the information made known to B.F. Saul Insurance, Inc. (“BFSI”), at the time this Communication is transmitted to you. If any of the information provided to or relied on by BFSI is inaccurate or changes before insurance coverage is bound then the terms and conditions, premiums, or even availability of such coverage may be subject to change. This Communication does not constitute a contract for insurance and, the terms and conditions of any current or future policy(ies) of insurance shall supersede and prevail over this Communication. This Communication and any information disclosed to you in connection with this Communication at any time (whether orally or in writing) are provided to you in confidence, are the proprietary and confidential information of BFSI, and shall not be disclosed to any third party (except to legal, tax, financial or other professional advisors for the sole purpose of enabling and only to the extent necessary to enable them to provide their services to you in such capacity(ies)), reproduced or used for any other purpose without the express written consent of BFSI.

All requests to place, change or terminate coverage must be confirmed in writing and are subject to the terms and conditions of your insurance policy(ies). Coverage shall not be considered and cannot be bound, changed or terminated unless you have received written confirmation of such from a licensed agent pursuant to the terms and conditions of your insurance policy(ies).

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What Is the Basic Travel Allowance (BTA)?

According to the Embassy of the United States in London, a Basic Travel Allowance refers to a scam under which foreign nationals request money from U.S. citizens for travel to the United States, claiming that a BTA is required under U.S. law. The embassy warns citizens against the scam.

According to the U.S. Embassy, the scam may ask for similar funds for travel allowance or funds. As the BBC details, the scam often targets owners of travel services and accommodations, requesting that owners pay the BTA to travel agencies, who promise to repay the amount when they book rooms for guests. According to the BBC, the scam is also prevalent on dating sites.

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Travel insurance

What are your benefits?

Wide range of covered risks

Wide range of covered risks to support you in different situations, for example, cancelled flight or lost luggage.

Medical assistance

BTA will reimburse the expenses that are related to receiving medical attention, so that you can quickly get well and continue enjoying your trip.

Customer service 24/7 all over the world

Regardless of your location, we will provide you with customer service at any time of day (and night)!

Remote doctor’s consultations

With eMed get remote doctors’ consultations regardless of your location. Get all the information you need to get better and to continue travelling.

Additional activities

If you're planning an active trip, select the type of activity in the first step of your application and get an offer, that includes the specific risks you might encounter while travelling.

Get your policy in just a few minutes

Just a few clicks and you’ll get the most suitable travel insurance policy for your trip!

Why do you need Travel insurance?

It's definitely no fun to get sick while travelling, but it’s even more unpleasant when you receive the medical bill. On average, medical expenses amount to 350 EUR, however, in a situation when medical evacuation is required, the average invoice might reach 3000 EUR.

Unexpected illness, delayed flight, cancelled flight – there are so many ways your trip can suddenly change and cause unwelcome expenses. Average losses in such cases amount to 550 EUR.

Who hasn’t lost or misplaced their things? However, it’s particularly stressful to lose your luggage while travelling and average losses amount to 360 EUR.

Quick, simple, and convenient

Travel data.

Enter your personal data, the date of the planned trip, number of persons and other necessary information.

Choose policy

Choose the most suitable policy for your trip.

Pay and receive the policy

Choose your method of payment and receive the policy in your e-mail immediately!

Frequently asked questions

Travel Insurance policy is valid in the specified territory outside the Republic of Latvia. You can obtain the Travel Insurance policy indicating the following operating areas:

• Europe (all European countries, including Egypt, Turkey, Tunisia, Israel, Armenia, Azerbaijan, Georgia and Morocco),
• Baltic Sea territory (the policy is in effect in Estonia, Lithuania, Poland, Finland and Sweden),
• The whole world.

You can purchase your travel insurance policy depending on the length of your planned trip or travel with a duration ranging from one day to 365 days.

If you have regular business trips, we offer to purchase a Travel insurance policy with the duration of one year, which will ensure protection of all trips during the year. In this case, you can indicate the maximum duration of each journey. Upon your choice, maximum duration of one trip may be 30, 60 or 90 days.

EHIC, i.e. European Health Insurance Card , is a document common for all European Union and European Economic Area countries (Iceland, Norway, Liechtenstein) and the Swiss Confederation, which entitles citizens of these countries to receive state-funded emergency and necessary health care to the extent ensured for inhabitants of each relevant country. The EHIC can be used in foreign clinics that are members of the National Sickness Fund and that have accepted the usage of the EHIC. Therefore, before seeking medical care abroad, we recommend you to inquire in advance whether the relevant clinic accepts the EHIC.

All residents of the Republic of Latvia may receive the EHIC card for free, therefore, when traveling abroad, be sure to obtain the EHIC card. For more information about the possibilities of receiving the EHIC card, visit the website of the National Health Service .

Why do you need BTA Travel insurance if you have the EHIC card?

• The EHIC card does not cover the costs and fees for client’s transportation, repatriation, emergency/ rescue services, which can amount to very significant expenses.
• Even in the case when the client enters a foreign clinic that accepts the EHIC, the customer will be charged to pay the fees mandatory in the relevant country. Although in Latvia patient fees are relatively low, in Europe they can be even more than 10 times higher.
• When using the EHIC, the foreign clinic receives the payment from the Latvian State budget within two years, therefore in most cases private clinics, including dentists and ski resort clinics, refuse to accept the EHIC.
• The EHIC card does not provide protection against other risks which may occur during traveling or foreign trips.

An example showing the necessity for the EHIC and Travel Insurance:

• State of health of a resident of Latvia suddenly deteriorated while visiting a country in the European Union. As a result, the woman was placed in a clinic. When her health condition slightly improved and it was possible to evacuate her to her country of origin, the bill for medical services amounted to EUR 24 000.
• Given that the Latvian resident had the EHIC, she did not have to pay the entire amount from her own personal funds. The EHIC covered 75% (EUR 18 000) of the medical expenses, the remaining 25% (6 000 EUR) would have to be covered by the woman herself, if she had not had the BTA travel insurance policy. Medical evacuation costs that were not covered by the EHIC amounted to EUR 4 300.

If the woman, additionally to the security provided by the EHIC, had not purchased the BTA Travel insurance, she would have to pay EUR 10 300 for the medical services received in the foreign clinic and medical evacuation to Latvia from her own personal funds. In this case, this amount was covered by BTA.

In case of an accident abroad, take the following measures:

• Call the BTA’s 24/7 Travel Support Service +371 26 12 12 12 . We will provide operative assistance and consultation on what to do in the specific situation.
• In case of a sudden disease or accident in one of the following countries, you can call our partners in the specific country:
• Turkey * (+90 242) 310 44 44
• Egypt * (+20 122) 104 27 43
• Greece (+30) 28970 41 777 , WhatsApp +30 69733 13 819
• Bulgaria (+359) 569 180 04
• Thailand, Indonesia, Bali: (+34) 931 702 286
• Russian Federation (+7) 495 989 11 20

* If you are in Turkey or Egypt, in order to avoid possible problems, ask for medical assistance only in our contractual organizations.

• By calling the indicated telephone numbers, our employees or partners will help to arrange the formalities associated with medical institutions, will provide a written guarantee of payment of medical services, so you do not have to spend your own personal financial resources; they will also help to solve a variety of other issues.
• If you have had to pay for medical services or any other case of insurance included in the Travel Insurance Policy from your own personal funds, be sure to keep documents certifying such payments (checks, registered receipts). Besides, be sure to keeps other documents justifying the indemnity claim: medical statements, certificate issued by airline about luggage delay, damage or loss, documents issued by law enforcement bodies, etc. A detailed list of documents to be submitted can be found in the Travel Insurance Terms and Conditions or by calling BTA Customer Support Service +371 26 12 12 12 .
• Upon your return to Latvia, as soon as possible make your insurance indemnity claim in the My BTA . Having logged in to Customer Portal, you can make your indemnity claim quick and simple without having to leave your home and making any unnecessary phone calls.

If an acute illness incident occurs while you’re travelling, BTA offers to contact a doctor in Latvia, who will provide you with a remote consultation via a video or a phone call.

To receive the consultation please call BTA +371 26 12 12 12 , and upon clarifying your current symptoms and complaints, BTA will offer the most urgent available time to receive a doctor’s consultation. Join the consultation with the specialist at the agreed time, receive a prescription to purchase medicine and advice on the appropriate course of action.

If the Insured is diagnosed with COVID-19 illness (illness caused by Coronavirus SARS-CoV-2), insurance indemnity shall be disbursed only for the insured risks “Medical expenses”, “Repatriation”, “Medical evacuation”, “Expenses for the person accompanying the injured person” according to the fixed maximal limit of insurance indemnity of EUR 40 000.

Optional “COVID-19 illness insurance” shall apply to the insured risks “Travel cancellation” and/or “Travel interruption” upon an occasion, if an insurance policy unequivocally provides for insurance of the above-mentioned risks and if Optional risk “COVID-19 illness insurance” is insured.

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Krasnodar Krai Travel Guide: All You Need To Know

Krasnodar Krai, often referred to as Krasnodar, is a federal subject (krai) of Russia located in the Southern Federal District. It is known for its diverse landscapes, including the Black Sea coastline, fertile farmland, and the Caucasus Mountains. The administrative center of Krasnodar Krai is the city of Krasnodar. Here’s some information about Krasnodar Krai:

Places to Visit in Krasnodar Krai: Sochi: This coastal city on the Black Sea is famous for its subtropical climate, beautiful beaches, and the host of the 2014 Winter Olympics. Visit the Sochi Arboretum, Rosa Khutor Alpine Ski Resort, and the Black Sea coast.

Krasnodar: Explore the largest city in the region, known for its parks, cultural attractions, and the Krasnodar Stadium. The Krasnodar Park and Safari Park are popular.

Anapa: A popular seaside resort town with sandy beaches, historical sites, and a mild climate.

Caucasus Mountains: Hike and explore the stunning landscapes of the Caucasus Mountains, including the Sochi National Park and Krasnaya Polyana.

Adler: A city near Sochi, known for its beautiful beachfront and proximity to the Adler Arena Skating Center.

Abrau-Dyurso: Visit the famous Abrau-Dyurso wine estate, known for its sparkling wines, and enjoy wine tasting.

Best Time to Visit Krasnodar Krai: Summer (June to August): The summer months are ideal for visiting Krasnodar Krai, especially the coastal areas, as the weather is warm and beach activities are in full swing.

Spring and Early Autumn: Spring (April to May) and early autumn (September to October) are also pleasant, with milder temperatures and fewer crowds.

Things to Do in Krasnodar Krai: Beach Activities: Enjoy swimming, sunbathing, water sports, and beachfront promenades along the Black Sea coast.

Outdoor Adventures: Explore the natural beauty of the region, including hiking, mountain biking, and winter sports in the Caucasus Mountains.

Cultural Exploration: Discover local traditions, museums, and historical sites to learn about the region’s rich heritage.

Wine Tasting: Visit vineyards and wineries in the region to sample local wines.

How to Get Around Krasnodar Krai: Public Transportation: Public buses, trams, and trolleybuses serve the major cities in Krasnodar Krai. Sochi, Krasnodar, and Anapa have well-developed public transportation networks.

Taxis: Taxis are readily available and can be used for short trips within the cities and for transportation to more remote areas.

Car Rental: Renting a car can be a convenient option for exploring the region, especially if you plan to visit various locations.

Domestic Flights: Major cities like Sochi and Krasnodar have airports with domestic flights connecting them to other Russian cities.

Where to Eat in Krasnodar Krai: Local Cuisine: Savor traditional Russian and Caucasian dishes, including shashlik (kebabs), borscht (beet soup), and local seafood in coastal areas.

Cafes and Restaurants: Explore cafes and restaurants offering international cuisine, including European, Asian, and Middle Eastern dishes.

Street Food: Try local snacks and street food from vendors in markets and along popular tourist areas.

Where to Stay in Krasnodar Krai: Krasnodar Krai offers a range of accommodation options, including hotels, guesthouses, hostels, and resorts. The coastal cities, such as Sochi and Adler, have a variety of lodging choices to suit different budgets and preferences.

Travel Tips for Krasnodar Krai: Language: Russian is the primary language spoken in Krasnodar Krai, so having some knowledge of the language can be helpful, especially in more remote areas.

Currency: The currency used in Krasnodar Krai is the Russian Ruble (RUB). Credit cards are widely accepted in hotels and restaurants, but it’s a good idea to carry cash for smaller establishments and markets.

Safety: Krasnodar Krai is generally safe for tourists, but, like in any travel, be cautious with your belongings and personal safety.

Climate: The climate in the coastal areas is milder compared to the mountainous regions. Be prepared for seasonal temperature variations.

Local Customs: Be respectful of local customs and traditions, particularly when visiting cultural or religious sites.

Transportation: Familiarize yourself with the local transportation system, and consider using taxis or ridesharing apps for convenience.

Krasnodar Krai offers a mix of natural beauty, cultural experiences, and outdoor adventures. By following these travel tips, you can have a memorable and enjoyable visit to this diverse and scenic region in southern Russia.

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