Business Travel Accident Insurance
Business Travel Accident insurance through Cigna provides additional protection if you are injured or killed in an accident while traveling on authorized company business. This coverage helps offer peace of mind by providing benefits for accidental death or serious injury that occur during work‑related travel.
The Business Travel Accident (BTA) plan offers accident‑only coverage designed to protect employees while traveling for MTM business. Coverage applies when an accident occurs during approved business travel and pays benefits for certain serious losses resulting from that accident. This coverage supplements other insurance you may have and is intended to help protect you and your family when traveling for work.
When Coverage Applies
Business Travel Accident coverage generally applies when an employee is:
- Traveling on authorized company business
- Away from their normal work location
- On a trip approved in advance by MTM
Coverage may also include certain short‑term business trips and related travel activities, as defined by the plan.
What the Plan Covers
The Business Travel Accident plan may provide benefits for:
- Accidental death
- Serious accidental injuries, such as loss of limb, sight, or paralysis
- Covered accidents occurring during eligible business travel
In addition, the plan may include supportive benefits such as:
- Counseling support for employees or family members following a covered accident
- Certain travel assistance services during covered travel
What the Plan Does Not Cover
This is accident‑only coverage and does not provide benefits for:
- Illness or sickness
- Injuries occurring during normal commuting to and from work
- Accidents outside the scope of approved business travel
- Activities excluded under the policy, such as personal deviations not covered by the plan
Who is Covered and Pays
Coverage is provided automatically for employees who meet eligibility requirements under the plan. No enrollment or payroll deduction is required for this benefit.
MTM pays the full cost of Business Travel Accident insurance and there is no cost to employees.
Important Notes
- Coverage details, definitions, and exclusions are governed by the official plan documents
- Benefit amounts vary by employee class and circumstance
- This summary is intended for informational purposes only and does not replace the policy