Your business operations may ebb and flow based on market conditions. That fluctuation could affect the amount you pay in insurance premium.
Travelers, through our Premium Audit department, conducts periodic reviews to ensure that the estimated premium your agent and our underwriter established at the beginning of the policy period accurately reflects any shift in business operations that have occurred since.
Large or complex business structures typically require an in-person review of your operations, while other businesses may need only complete a policyholder report. Please use this site to get answers to your questions and understand how the process works.
ePHR® - An easier way to provide information
To make reporting easier for you, business customers who previously completed paper Policyholder Reports may be invited to try a new tool Premium Audit is introducing - the Electronic Policyholder Report (ePHR®). It offers a streamlined way for you to provide Travelers with the information needed to complete the periodic review of your business.
Here's how it will work: At the end of your policy period, eligible policyholders will receive a letter inviting you to use ePHR to provide information about your business operations. With the letter in hand, it's just three easy steps and you're done.
- Register your Electronic Policyholder Report using our secure system.
- Complete an online interview, tailored to your business.
- Fax or upload any requested supporting documentation.
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What is annual travel insurance?
Annual Travel Insurance plans are designed for those who travel frequently. These plans are designed for relatively short trips (less than 30 or 60 days) that one may take to various locations during the year.
The benefits typically include coverage for:
- Medical Expenses (both in-patient & out-patient expenses)
- Accidental Death & Dismemberment
- Medical Evacuation
- Trip Cancellation Costs (only with some plans)
- Repatriation of mortal remains in the event of a death
There are many companies offering such annual multi-trip travel insurance plans a good sampling is available at
The merits …