How can I install and use the BMW Travel & Comfort Pro Tablet Mount?

The Travel & Comfort System Universal Holder for Tablets provides a secure place in the vehicle for various Apple and Samsung tablets up to 10 inches. The holder's 360° rotation and adjustable angle make it suitable for a wide range of uses.

Easy installation and removal without tools. To begin, pull the cover in the front seat backrest open and insert the mount until you hear a snap, confirming that it's placed properly. That's it, the tablet mount is now installed within your BMW. 

Change the position of the retaining arm to your needs and charge your tablet with the built-in USB-C port in the back of your front seat if needed. The optional BMW Wi-Fi Hotspot allows streaming and surfing online without the need of a SIM Card in your tablet. 

BMW Genius How-To video: How-to Install and Use the BMW Travel & Comfort Pro Tablet Mount | BMW USA

BMW Travel and Comfort System Universal Tablet Holder can be purchased at ShopBMWUSA.com .

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Supervisor Office Management

Responsible for the Office Management for ONE SF PLUS organization (i.e. for 2 legal entities, SF1-PL and AL-PL), including Reception (Front Desk) Services:

  • Personal Assistant to the 2 Management Board Members (CEO and CFO), incl. diary management, travel (expense) management, document (signature) management
  • Secretary to the Management Board, incl. organization and minute-taking of Management Committee meetings
  • manages cooperation with all office service providers in order to ensure quality of service, including documentation of utilization for service confirmations / invoice payment
  • conducts all purchasing processes for the area of responsibility, in cooperation with BMW Group Purchasing team
  • operates Reception (Front Desk) Services, incl. visitor (registration) management
  • manages all incoming and outgoing correspondence, incl. appropriate documentation / archiving in line with BMW Group standards and with all applicable Information / Data Protection regulations
  • ensures Facility Management, incl. cyclical maintenance of office installations, monitoring of proper level of office standard and taking initiative to improve it, incl. reporting of non-financial facility data (e.g. water/energy consumption) and incl. planning activities related to office rearrangements/moves
  • administers the departmental budget (OPEX and Facility investment CAPEX budget)
  • executes Travel Management for managers, incl. booking of flights and accommodation
  • organizes company events, incl. on-site and off-site All-Associate-Meetings (for ca. 200 associates), Senior Management Meetings (for ca. 30 managers) and HQ VIP-visits
  • coordinates work space, incl. preparation for new employees and handling introduction to new employees regarding administration and security procedures 
  • maintains and develops all office access security measures (incl. CCTV) in line with BMW Group standards and in cooperation with BMW Group Facility Management team, incl. being in charge of drill alarms and evacuation process, and being first contact for Building security services in case of any alarms or crisis 
  • monitors and manages office supplies and related storage rooms for office supplies
  • administers company mobile phones (in cooperation with BMW Group IT team)
  • maintains various administrational registers (training register, POA register, access control cards register, …)
  • leads the Office Management team, running recruitment processes, promotes and monitors the quality and performance of the team, and continuously develops relevant processes to improve quality, efficiency and controls

Work experience / additional skills

  • > 5 years relevant experience in Office Management
  • Excellent communication and presentation skills (written and verbal) on multiple levels in the organization
  • Fluent in Polish and English (written and verbal)
  • Management / Leadership capabilities (proven track record)
  • Networking and relationship skills
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  • Impeccable manners
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  • Excellent organizational skills
  • Negotiation skills
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The BMW Corporate Fleet

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THE BMW CORPORATE FLEET

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COMMON QUESTIONS ABOUT CORPORATE FLEET

What is the bmw corporate fleet program, does bmw make sense for my fleet, what is required to enroll into the bmw corporate fleet program, do i need to work with a fleet management company to use the bmw corporate fleet program, can i make use of the bmw corporate fleet program benefits if i finance my company car fleet through bmw financial services, what vehicles are eligible for bmw corporate fleet incentives, can i combine the bmw corporate fleet incentive with other offers, does bmw offer electrified vehicle options for fleets, are bmw corporate fleet incentives applicable to out-of-stock purchases, what order-to-delivery times does bmw offer on factory-ordered vehicles, are there offers available for small fleets and small businesses, where can my fleet drivers pick up a new bmw or return for service, how can i obtain more information about the bmw corporate fleet program.

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The 2024 guide to corporate travel management

What is corporate travel management, what does a corporate travel manager do.

  • Booking trips for travelers (not only c-suite executives, but employees in any role).
  • Helping individual departments track their travel spend so they can stay under budget.
  • Providing travel support to travelers before, during, or after their trip.
  • Selecting and managing any travel vendors or travel tools used.
  • Working to negotiate corporate rates on hotels that the company uses often.
  • Booking group travel.
  • Organizing ground transportation like rental cars or rail
  • Analyzing company travel spend, or delivering travel spend reports to the CFO for analysis.

What does a travel buyer do?

Stakeholders in the travel management process.

  • In-house corporate travel manager
  • Office manager or office team
  • Head of operations / COO
  • CFO and finance managers
  • Panel of frequent employee travelers
  • Current corporate travel agency or company

What solutions are companies using to book their business trips?

Consumer booking sites, traditional travel agencies, travel management software.

Traveler Street Coffee

Save your company time and money on business travel

What are the drawbacks of each solution.

  • Need to compare various websites and pay out of pocket in order to secure the best price
  • Many hidden costs, with fees for cancellations and changes
  • Many back-and-forth emails when booking for companies
  • Need to pay upfront
  • No support for issues on the road
  • Time-consuming manual reimbursing and expense tracking
  • Impossible to ensure compliance with company travel policy
  • Online booking tools are typically buggy, with bad UX
  • Employees end up calling support or book, when they’d rather save time by booking for themselves, with the options they want
  • Costly service
  • Above-market transport/accommodation prices
  • Company policy compliance is difficult to guarantee
  • Lack of travel inventory and options
  • Clunky user experience that travelers don’t enjoy
  • Offshore customer service, typically ranked as the top frustration in customer reviews
  • Often overly complicated and feature-laden
  • Impossible to control travel when travelers can’t or won’t use the tool
  • Lacks low-price flights and hotels available online
  • Impossible to guarantee company policy compliance

The pillars of modern travel management:

  • Trust – Trust travelers to book using the approved process and policy, and make it easy for them
  • Transparency – Let travelers see what they’re allowed to spend and choose accordingly, and let finance and administrative teams see what is being booked and why.
  • Simplicity – Create a process that works and meets everyone’s needs.
  • Impact – Measure the impact of business travel on the company and reduce unnecessary trips that leave travelers exhausted and businesses with needless expenses.
  • Duty of care – Ensure a thorough duty of care strategy is in place to mitigate risks for employees when traveling
  • Sustainability – Being aware of the impact of travel on the environment and adopting good practices to reduce the effect

How can a good corporate travel program help companies to save money?

Ensuring compliance with company travel policy, access to more affordable flight options, stay on top of travel spending trends, six steps to managing corporate travel effectively.

  • Choose a smart booking tool
  • Assure 24/7 travel support
  • Create policies and approval workflows
  • Organize and utilize travel spend data in real-time
  • Improve collaboration between admin and finance
  • Reduce your company’s carbon footprint

1. Choose a smart booking tool

  • Self-booking within policy – Trust your travelers to book what they need, and set up policies and parameters
  • Consolidated invoicing – The ability to get one monthly invoice for all travel from one vendor, instead of having it spread across the web
  • Travel spend reporting – Easy access for all finance and administrative team members who need to track travel itinerary details and spend by cost centers, tags or labels
  • Easy booking process that travelers love – Invoice consolidation and accurate reporting are impossible if employees want to cheat on the approved tool, so choose a tool that’s easy to use with consumer-grade UX. Make their entire travel experience, from booking to coming home, as easy and smooth as possible. Introducing a mobile app is just an added bonus!
  • Great inventory – Inventory is not a side note. Make sure the platform you use has every available option you can find online and that the company is committed to adding more inventory
  • Travel support – You need travel assistance that’s available 24/7 in your native language so that employees can get help even when the internal admin team is unavailable

2. Assure 24/7 travel support

Here are the requirements to look for in travel support:.

  • Available 24/7
  • Easy to reach a real human
  • Guaranteed follow-up and follow-through
  • Native language support
  • Fast escalation for big issues

3. Create policies and approval workflows

  • Maximum cost of airfare
  • Maximum cost per hotel per night
  • Minimum amount of days booked in advance
  • Hotel star rating
  • Flight class allowed

" "

Travel Management: The Ultimate Guide

Approval workflows.

  • No approval required for any trip
  • Approval required for some trips
  • Approval required for every trip

4. Organize and utilize travel spend data

  • Cost centers – Does your company use different payment accounts for different geographical regions? How many cost centers does the company have? Make sure that travel spend is getting charged to the right accounts and that you're making accurate expense reports.
  • Tags and labels – Beyond cost centers, are there any important filters that the finance team would have to have when viewing travel spending reports? For example, would they like each trip tagged by team or by project? Decide upfront so that the tagging system can be implemented clearly from the get-go.
  • Keep all travel in one place – to get accurate travel data, you need to keep all travel in one place—whenever possible. Work with a travel management solution that integrates with providers that matter to your company, such as budget airlines, AirBnb or European train lines. If your company has negotiated hotel rates, you want your corporate solution to be able to book those rates for you, so you don’t lose the travel data by booking directly.

5. Improve collaboration between admin and finance

  • Streamlined approvals process – If your approval process requires action from the admin and the finance team, try to make this as seamless as possible.
  • Easy access invoices – The finance team needs to grab all invoices quickly so they can reconcile expenses and set clear reimbursement processes. The best way to do this is to use a platform that consolidates travel spend into one monthly invoice.
  • Ability to track spend instantly – Consolidate all travel spend into one platform so that they can generate reports on what is being spent, by who, and why (when using tags and labels). Same as with the invoices, determine whether you need to send them a monthly report, or if they want to download it themselves.
  • Cost savings on trips – Fixing travel isn’t just about saving time. Many businesses are still using travel booking platforms that were built in the 80s and 90s. This means that they markup the inventory so that the company is paying more than a consumer would! Impress the finance team by reducing travel costs and introducing consumer-grade prices for trips.

6. Reduce your company’s carbon footprint

  • Work out your starting point by calculating your company’s travel carbon footprint
  • Design a green business travel program, which creates data-driven strategies to increase employee commitment
  • Choose economy class
  • Reduce your fuel consumption where possible
  • Pick low-emission airlines and avoid layovers
  • Vet your accommodation for sustainability practices
  • Utilize green travel tax breaks

The bottom line: it's time to upgrade your travel management

Let’s bring it all together.

  • Choose a smart booking tool – Meet everyone’s needs
  • Share the burden of travel support – Don’t try to do this alone
  • Set up cost centers and labels – Let the tool reflect the business
  • Create policies and approval workflows – Put the policy inside the booking process
  • Improve collaboration between admin and finance – Grab invoices and reports

Train Plane Travel

Make business travel simpler. Forever.

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travel management bmw

A Comprehensive Guide to Implementing Travel Management Software

travel management bmw

The transition to modern, cloud-based travel management software marks a significant milestone for any organization. This guide, enriched with BNW Travel's expertise, outlines the strategic approach to successfully adopting such software, ensuring a swift and efficient onboarding process leading to full adoption within 60 days.

Best Practices for Effective Software Implementation

Embarking on the journey of implementing travel management software, such as BNW VoyagePro or similar platforms, requires a structured approach. Here’s how to ensure a smooth transition:

Setting Clear Objectives

  • Goal Definition : Establish clear objectives for adopting the software, like improving cost control, streamlining booking processes, or enhancing compliance with travel policies.

Comprehensive Training

  • Employee Education : Provide extensive training to ensure users are proficient in utilizing the software for various functions like booking flights, using mobile apps, and managing approvals.

Encouraging Adoption

  • Incentivizing Use : Foster software adoption by offering rewards for compliance and utilizing the new system for all travel-related activities.

Monitoring Usage

  • Usage Analysis : Track how employees engage with the software to identify areas for improvement and opportunities for cost optimization.

Continuous Enhancement

  • Feedback Integration : Regularly solicit user feedback to refine and enhance the software usage, aligning it more closely with organizational needs.

Strategies to Ensure Compliance and User Satisfaction

Adopting new technology in the fast-paced business world demands additional measures to ensure widespread adoption and satisfaction:

Mandating Software Use

  • Enforced Adoption : Mandate the use of travel management software for enhanced compliance, safety, and financial efficiency.

Offering Incentives

  • Rewards Program : Implement a rewards system to encourage economical booking decisions, as demonstrated by EMJ's success with the Navan Rewards program.

Integrating Travel and Expense Management

  • Streamlined Processes : Choose a platform that combines travel management and expense tracking for improved visibility, compliance, and user experience.

Addressing Common Implementation Questions

Anticipate and prepare for frequently asked questions to smooth the transition for employees:

  • Question on Pricing Discrepancies : Explain that direct airline pricing through the software ensures consistent savings and better travel management.
  • Basic Economy Queries : Clarify why Basic Economy options are excluded due to their restrictive nature and additional charges for essential business travel needs.
  • Platform Adoption Resistance : Emphasize the unified and user-friendly experience of the chosen software, highlighting its comprehensive travel options and rewards integration.

Essential Resources for Seamless Software Adoption

To maximize the benefits of travel management software, access the right resources:

Customer Support

  • Information Hub : Utilize the provider's library of support materials, including how-to videos and product updates, for optimal platform usage.

Live Training Sessions

  • Interactive Learning : Engage in live training to familiarize large teams quickly with the software, especially beneficial for finance teams managing expenses and policy enforcement.

Dedicated Consultant

  • Expert Guidance : Consider a dedicated consultant for personalized assistance in implementing the tool and driving adoption, proven to enhance business outcomes.

By following these guidelines, your organization can effectively implement travel management software, like BNW VoyagePro, ensuring streamlined processes, cost savings, and comprehensive oversight of travel spend. Embrace these strategies to revolutionize your approach to business travel and achieve 100% software adoption.

Transform Your Travel Management with BNW VoyagePro

BNW VoyagePro is a leading corporate travel booking and management solution that aligns perfectly with the strategies outlined in this guide. Discover the advantages of adopting BNW VoyagePro for a seamless, efficient, and compliant travel management experience.

Why Choose BNW VoyagePro

  • Streamlined Adoption : Customizable to your organization's specific needs and objectives.
  • User-Friendly Platform : Ensures easy adoption and satisfaction among employees.
  • Integrated Solutions : Combines travel booking, management, and expense tracking in one comprehensive platform.

Elevate your business travel management with BNW VoyagePro. Explore BNW VoyagePro for an unmatched travel management experience.

Learn More About BNW Travel

From managing booking to expense tracking and real-time reporting, BNW Travel streamlines your corporate/Agent travel management. Our all-in-one platform customized for your travel needs.

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BMW Group profile.

Board of management of bmw ag..

Oliver Zipse

Oliver Zipse

Year/Place of birth: 1964, Heidelberg (Germany)

Nationality: German

  • Since 16 August 2019: Chairman of the Board of Management of BMW AG
  • 2015 – 2019: Member of the Board of Management of BMW AG, Production
  • 2012 – 2015: Senior Vice President Corporate Planning and Product Strategy
  • 2009 – 2012: Senior Vice President Technical Planning
  • 2007 – 2008: Managing Director Plant Oxford, UK
  • 1994 – 2006: Various Leading Functions in Development, Production and Production Planning in Munich and Rosslyn (South Africa)
  • 1992 – 1994: Project Engineer for Technology Innovation
  • 1991: Joined BMW AG as Trainee in Development and Production
  • 1997 – 1999: WHU Koblenz and Kellogg School of Management, Evanston/USA: Executive MBA
  • 1985 – 1991: Technical University Darmstadt: Graduation in Mechanical Engineering (Dipl.-Ing.)
  • 1983 – 1985: University of Utah, Salt Lake City/USA: Studies in Computer Science and Mathematics

Jochen Goller – Sales and Brand BMW, Aftersales BMW Group

Jochen Goller

Year/Place of birth: 1966, Miltenberg (Germany)

  • Since 1 November 2023: Member of the Board of Management of BMW AG, Customer, Brands, Sales 
  • 2018 – 2023: President and CEO of BMW Group Region China, Beijing
  • 2015 – 2018: Head of Sales and Marketing BMW Brilliance Automotive, Beijing
  • 2013 – 2015: Head of MINI
  • 2009 – 2013: Head of Brand Management MINI UK and Ireland, Bracknell
  • 2004 – 2009: Head of Marketing China, Beijing
  • 2004: Head of Brand Communications MINI
  • 1999 – 2004: Different functions in market communications
  • 1999: Joined BMW Group
  • 1990 – 1999: Different functions in events, brand marketing and sponsorship
  • 1986–1989: Chemistry studies, University of Düsseldorf

Ilka Horstmeier

Ilka Horstmeier

Year/Place of birth: 1969, Duisburg (Germany)

  • Since 1 November 2019: Member of the Board of Management of BMW AG, People and Real Estate, Labour Relations Director
  • 2018 – 2019: Managing Director BMW Group Plant Dingolfing
  • 2013 – 2018: Senior Vice President Production and Planning Engines and E-Powertrain
  • 2012 – 2013: Head of company-wide initiative “Future employment structures”
  • 2010 – 2011: Head of Engine Production Munich
  • 2005 – 2009: Various management positions in production and logistics at Plants Dingolfing and Regensburg
  • 2001 – 2004: Head of Strategy Development, Production Concepts, BMW Group Research and Innovation Centre
  • 1997 – 2000: Head of Project Office Work Structures and Steering Bodyshop, Plant Munich
  • 1995 – 1997: Section manager, Human Resources and Organisational Development, Plant Munich
  • 1995: Joined BMW AG as a trainee
  • 1988 – 1994: Studied at Saarland University in Saarbrücken; degree in Business Administration

Walter Mertl

Walter Mertl

Year/Place of birth: 1974, Augsburg (Germany)

Nationality: German

  • Since 12 May 2023: Member of the Board of Management of BMW AG, Finance
  • 2020 – 11 May 2023: Head of BMW Group Corporate Controlling
  • 2017 – 2020: Head of Controlling A-, F-, P-Division
  • 2013 – 2017: Head of Accounting, Services
  • 2008 – 2013: Head of Intra-Annual Group Reporting
  • 2007 – 2008: Team Lead Process and Standard Team IFT
  • 2004 – 2007: Team Lead Consolidation and Reporting, BMW UK, Bracknell
  • 1999 – 2004: Sales Controlling Region Europe
  • 1998 – 1999: IT-Specialist Financial Planning Systems
  • February 1998: Joined BMW AG
  • 1992 – 1998: Studies in Business Administration (Focus Organisation and Business Informatics) at University of Applied Sciences Augsburg 

Dr. Milan Nedeljković

Dr.-Ing. Milan Nedeljković

Year/Place of birth: 1969, Krusevac (Serbia)

Nationality: Serbian

  • Since 1 October 2019: Member of the Board of Management of BMW AG, Production
  • 2018 – 2019: Senior Vice President Corporate Quality
  • 2015 – 2018: Managing Director BMW Group Plant Munich
  • 2013 – 2015: Managing Director BMW Group Plant Leipzig
  • 2010 – 2013: Head of Assembly, BMW Group Plant Leipzig
  • 2006 – 2010: Head of Paint Shop, MINI Plant Oxford
  • 1999 – 2006: Various management positions at Plants Munich and Regensburg
  • 1994 – 1999: Planning functions for bodyshop and press plant technologies
  • 1993: Joined BMW AG as a trainee
  • 2000 – 2004: Doctor of Engineering (Dr.-Ing.) at Chair of Metal Forming and Casting, Technical University of Munich
  • 1988 – 1993: Studied Mechanical Engineering at RWTH Aachen University and Massachusetts Institute of Technology (Cambridge, USA)

Dr. Joachim Post

Dr.-Ing. Joachim Post

Year/Place of birth: 1971, Singen/Hohentwiel (Germany)

  • Since 1 January 2022: Member of the Board of Management of BMW AG, Purchasing and Supplier Network
  • 2020 – 2021: Head of Product Line Midsize Class BMW
  • 2018 – 2020: Head of Vehicle Strategy
  • 2002 – 2018: Various management functions at BMW AG, et al. Manager in collaborative project with Toyota Motor Corp. Japan and Manager of various vehicle projects launched within global production network, et al. in the Joint Venture BMW Brilliance Automotive China
  • 2002: Joined BMW AG, Function Development Engine Application Motorcycles
  • 1997 – 2002: Research Associate at Technical University Munich, Chair of Applied Mechanics, Doctorate in Mechanical Engineering
  • 1991 – 1997: Karlsruhe University of Applied Sciences, Degree in Mechanical Engineering (Dipl.-Ing.)                       

Frank Weber – Development

Frank Weber

Year/Place of birth: 1966, Wiesbaden (Germany)

  • Since 1 July 2020: Member of the Board of Management of BMW AG, Development
  • 2018 – 2020: Head of Product Line Rolls-Royce and Luxury Class BMW
  • 2015 – 2018: Head of Product Line Grand Series
  • 2011 – 2014: Head of Development Total Vehicle
  • 2011: Joined BMW AG
  • 2010 – 2011: Adam Opel AG, Vice President Business & Product Planning 
  • 2007 – 2010: General Motors (Michigan, USA), Vehicle Line Executive Chevrolet Volt and Opel Ampera / Voltec Propulsion Architecture
  • 2004 – 2007: Director Advanced Concept Engineering, Adam Opel AG / GM Europe
  • 2001 – 2004: Director Program Management, Adam Opel AG / GM Europe
  • 1995 – 2001: Various management positions in Development and Product Lines, Adam Opel AG / GM Europe
  • 1991 – 1995: Adam Opel AG, Project Engineer Total Vehicle
  • 1990: Assistant to the Prof. Automotive Technology, TU Darmstadt
  • 1985 – 1990: Studied Mechanical Engineering at Technische Universität Darmstadt, Master Degree in Mechanical Engineering (Diplom-Ingenieur)

Supervisory Board of BMW AG.

Dr.-Ing. Dr.-Ing. E.h. Norbert Reithofer – Chairman of the Supervisory Board

Dr.-Ing. Dr.-Ing. E.h. Norbert Reithofer

Chairman of the Supervisory Board.

Former Chairman of the Board of Management.

Shareholder representative.

Mandate: Member and Chairman since 2015, elected until 2025

Year of birth: 1956

  • Since 2015: Chairman of the Supervisory Board of BMW AG
  • 2006 – 2015: Chairman of the Board of Management of BMW AG
  • 2000 – 2006: Member of the Board of Management of BMW AG, Production
  • 1997 – 2000: President BMW Manufacturing Corporation (South Carolina, USA)
  • 1994 – 1997: Technical Director BMW South Africa
  • 1991 – 1994: Head of the Body-in-White Production division
  • 1989 – 1991: Director of Control Technologies and Process Data Management
  • 1987: Joined BMW AG – Head of Maintenance Planning
  • 1984 – 1987: Research assistant and doctorate in Engineering (Dr.-Ing.) at the Institute for Machine Tools and Business Management at Technische Universität München
  • 1978 – 1983: Studies in Production Technology and Operating Science at Technische Universität München, degree: Diplom-Ingenieur (graduate engineer)
  • 1974 – 1978: Studies in Mechanical Engineering at Fachhochschule München, degree: Diplom-Ingenieur (FH) (graduate engineer) 

Status: 03/2024

DR. MARTIN KIMMICH – Deputy Chairman of the Supervisory Board

DR. MARTIN KIMMICH

Deputy Chairman of the Supervisory Board.

Chairman of the General Works Council of BMW AG.

Employee representative.

Mandate: Member and Deputy Chairman since 2023, elected until 2029

Year of birth: 1972

  • Since 2022: Chairman of the General Works Council of BMW AG
  • Since 2022: Chairman of the Works Council Munich
  • 2020 – 2022: Expert at the General Works Council of BMW AG
  • 2019 – 2020: Union Secretary, IG Metall Bayern
  • 2012 – 2018: Managing Director, IG Metall Munich
  • 2006 – 2012: Political Secretary, IG Metall Munich
  • 2003 – 2006: Ph.D. (Dr. jur.) at Martin-Luther-Universität Halle-Wittenberg
  • 2000 – 2003: Referendariat (legal clerkship) at Kammergericht Berlin, degree: Zweite Juristische Staatsprüfung (second state examination in Law)
  • 1994 – 2000: Law studies at Universität Hamburg, degree: Erste Juristische Staatsprüfung (first state examination in Law)

Stefan Quandt – Deputy Chairman of the Supervisory Board

Stefan Quandt

Enrepreneur.

Mandate: Member since 1997, Deputy Chairman since 1999, elected until 2028

Year of birth: 1966 

  • Since 1996: Independent entrepreneur
  • 1994 – 1996: Datacard, Marketing Manager Asia Pacific
  • 1987 – 1993: Studies in Industrial Engineering at Technical University Karlsruhe (TH), degree: Diplom-Wirtschaftsingenieur (graduate industrial engineer)  

Stefan Schmid – Deputy Chairman of the Supervisory Board

Stefan Schmid

Chairman of the BMW AG Works Council Dingolfing.

Mandate: Member since 2007, Deputy Chairman since 2008, elected until 2029

Year of birth: 1965

  • Since 2004: Deputy Chairman of the General Works Council
  • Since 1995: Member of the Works Council Dingolfing (Chairman since 2004)
  • 1985: Joined BMW AG
  • Apprenticeship power plant electronics technician and metal-working foreman

Dr Kurt Bock – member of the Supervisory Board

Dr. Kurt Bock

Chairman of the Supervisory Board of BASF SE.

Mandate: Member since 2018, Deputy Chairman since 2021, Chairman of the Audit Committee since 2020, elected until 2027

Year of birth: 1958

  • Since 2020: Chairman of the Supervisory Board of BASF SE
  • 2011 – 2018: Chairman of the Board of Executive Directors of BASF SE
  • 2003 – 2011: Member of the Board of Executive Directors and CFO of BASF AG (BASF SE since 2008), since 2007 also Chairman and CEO of BASF Corporation (USA)
  • 2000 – 2002: President of Logistics and Information Services, BASF AG
  • 1998 – 2000: CFO of BASF Corporation (USA)
  • 1996 – 1998: Managing Director, Robert Bosch Ltda. (Brazil)
  • 1992 – 1996: Senior Vice President Finance and Accounting, Robert Bosch GmbH
  • 1991 – 1992: Head of Technology, Director Planning and Controlling for Engineering Plastics, BASF AG
  • 1985 – 1991: Various functions in the finance division of BASF AG
  • 1985: Ph.D. (Dr. rer. pol.) at Universität Bonn
  • 1977 – 1985: Studies in Business Administration at Westfälische Wilhelms-Universität Münster and Universität zu Köln as well as at Pennsylvania State University (USA)

Ulrich Bauer Full-time member of the BMW AG Works Council Munich.

Ulrich Bauer

Full-time member of the BMW AG Works Council Munich.

Mandate: Member since 2024, elected until 2029

Year of birth: 1964

                                           

  • Since 2014: Full-time member of the BMW AG Works Council in Munich
  • 2012 – 2014: Head of Marketing BMW Financial Services
  • 2010 – 2012: Head of Marketing and Sales Services BMW Bank GmbH
  • 2001 – 2010: Head of Sales Management BMW Bank GmbH; from 2007 also head of Business Line Retail
  • 1998 – 2001: Head of European Sales Processes and Direct Banking BMW Bank GmbH
  • 1994 – 1998: Project manager at Roland Berger & Partner
  • 1992 – 1994: Trainee and Head of Operations Organization at Allianz Property Insurance, Stuttgart branch
  • 1985 – 1990: Working student and freelancer at IBM Deutschland GmbH
  • 1986 – 1991:   Studies and Dipl.-Oec. in Economics at Universität Hohenheim

Status: 04/2024

Dr. Marc Bitzer – Member of the Supervisory Board

Dr. Marc Bitzer

Chairman and CEO of Whirlpool Corp.

Mandate: Member since 2021, elected until 2025

  • Since 2017: Chairman, Chief Executive Officer and President of Whirlpool Corp. (USA)
  • Since 1999: Various management positions with the Bauknecht Brand Group and Whirlpool Corporation in Italy and North America respectively
  • Since 1990: Co-Founder Simex Trading AG (Switzerland)
  • 2015 – 2017: President, Chief Operating Officer and Director on the Board of Whirlpool Corporation (USA)
  • 1991 – 1999: The Boston Consulting Group with periods spent in Munich and Toronto (Canada), most recently as Vice President, Recruiting Director and member of the German Consumer Goods practice group
  • 1984 – 1991: Studies and Ph.D. in Economics at Universität St. Gallen (Switzerland)

Rachel Empey – Member of the Supervisory Board

Rachel Empey

Supervisory Board Member.

Year of birth: 1976

Nationalities: British, German

  • Since 2023: Member of the Supervisory Board of ZF Friedrichshafen AG
  • 2017 – 2022: Member of the Management Board of Fresenius Management SE
  • 2016 – 2021: Non-Executive Director of Inchcape plc (UK)
  • 2011 – 2017: Member of the Management Board of Telefónica Deutschland Holding AG (Finance, Strategy and Innovation); Joint Leader of the Board, General Manager of Operating Business (2014)
  • 2003 – 2011: Various positions in the Telefónica Group in the UK and Germany
  • 2002 – 2003: Commercial Director, Weir Group plc (UK)
  • 2000 – 2002: Business Analyst, Lucent Technologies (UK)
  • 2000: Studies at the Institute of Chartered Accountants in England and Wales (ICAEW), degree: Chartered Accountant
  • 1997 – 2000: Audit Executive Ernst & Young Ltd., Bristol (UK)
  • 1994 ­­– 1997: Studies in Mathematics at the University of Oxford (UK)

Portrait Dr, Heinrich Hiesinger

Dr.-Ing. Heinrich Hiesinger

Chairman of the Supervisory Board of ZF Friedrichshafen AG

Mandate: Member since 2017, elected until 2026

Year of birth: 1960

  • Since 2021: Member of the Supervisory Board of ZF Friedrichshafen AG (Chairman since 1 January 2022)
  • Since 2020: Member of the Supervisory Board of Fresenius Management SE
  • Since 2019: Member of the Supervisory Board of Deutsche Post AG
  • 2011 – 2018: Chairman of the Board of Management, thyssenkrupp AG
  • 2010 – 2011: Vice Chairman of the Board of Management, thyssenkrupp AG
  • 2007 – 2010: Member of the Board of Management, Siemens AG
  • 1992 – 2007: Various domestic and foreign management positions within Siemens Group
  • 1986 – 1991: Ph.D. (Dr.-Ing.) and Assistant Professor at Technische Universität München
  • 1980 – 1986: Studies in Electrical Engineering at Technische Universität München, degree: Diplom-Ingenieur (graduate engineer)

Susanne Klatten – member of the Supervisory Board

Dr. h.c. Susanne Klatten

Entrepreneur.

Mandate: Member since 1997, elected until 2028

Year of birth: 1962

  • Since 1991: Independent entrepreneur
  • 1988: Studies at the International Institute for Management Development (Lausanne, Switzerland), degree: MBA
  • 1984 – 1985: Business Studies at the University of Buckingham (UK), degree: B.Sc.

Jens Köhler – Member of the Supervisory Board

Jens Köhler

Chairman of the BMW AG Works Council Leipzig.

Mandate: Member since 2021, elected until 2029

  • Since 2002: Chairman of the BMW AG Works Council Leipzig 
  • Since 1993: Member of the Works Council of the BMW branch Chemnitz (Chairman and thus permanent Member of the General Works Council of BMW AG since 1996)
  • 2002: Relocation to BMW Group Plant Leipzig
  • 1996 – 2001: Qualification and car mechanic master craftsman training
  • 1991: Joined BMW AG (Chemnitz branch)
  • Skilled worker training as motor mechanic/locksmith

Gerhard Kurz

Gerhard Kurz

Head of Corporate Quality at BMW AG.

Employee representative (executive employee).

Mandate: Member since 2022, elected until 2029

Year of birth: 1963

  • Since 2023: Head of Corporate Quality
  • 2022 – 2023: Head of Purchasing, Quality Management Powertrain
  • 2018 – 2022: Head of Development Powertrain
  • 2015 – 2018: Head of Development Total Vehicle
  • 2014: Head of Purchasing Driving Dynamics
  • 2008 – 2014: Various functions as head of department (control systems/driving assistance, Efficient Dynamics, development transmission, integration powertrain)
  • 1987 – 2008: Development department chassis
  • 1987: Joined BMW AG
  • 1983 – 1987: Studies in Mechanical Engineering at Fachhochschule Augsburg, degree: Diplom-Ingenieur Maschinenbau (FH) (graduate mechanical engineer)

André Mandl – Mitglied des Aufsichtsrats

André Mandl

Chairman of the BMW AG Works Council Regensburg/Wackersdorf.

Year of birth: 1984

  • Since 2021: Chairman of the BMW AG Works Council Regensburg/Wackersdorf
  • 2018 – 2021: Full-time Member of the BMW AG Works Council Regensburg/Wackersdorf
  • 2010 – 2018: Expert and Substitute Member of the BMW AG Works Council Regensburg/Wackersdorf
  • 2004 – 2011: Production worker at BMW Group Plant Wackersdorf and further training as a mechanical engineer and technical economist (IHK – Chamber of Commerce and Industry)
  • 2001 – 2004: Training as an industrial mechanic, BMW Group Plant Wackersdorf

Dr. rer. pol. Dominique Mohabeer – member of the Supervisory Board

Dr. rer. pol. Dominique Mohabeer

Member of the BMW AG Works Council Munich.

Mandate: Member since 2012, elected until 2029

Nationality: German, Belgian

  • Since 2002: Member of the BMW AG Works Council in Munich
  • 2000: Joined BMW AG
  • 1995 – 1999: Research assistant at the Institute of Occupational Science at Universität Kassel
  • 1988 – 1995: Studies in Business Administration at Ludwig-Maximilians-Universität München, degree: Diplom-Kauffrau (business graduate)
  • 1985 – 1988: Studies in Sinology at Ludwig-Maximilians-Universität München; interpreting school

Horst Ott District manager of IG Metall Bayern.

District manager of IG Metall Bayern.

Year of birth: 1966

  • Since 2023: District manager of IG Metall Bayern
  • 2012 – 2023: 1 st representative of IG Metall Amberg and member of the Advisory Board of IG Metall
  • 2008 – 2012: 2 nd representative of IG Metall Amberg
  • 1992 – 2008: Technical Secretary of IG Metall Amberg
  • 1990 – 1991: Studies at the European Academy of Labour in Frankfurt a. M.: Labour Law, Economics and Social Law
  • 1989 – 1990: Trainee at IG Metall Augsburg
  • 1981 – 1989: Training as a machine fitter at RENK AG Augsburg; Worked as a repair fitter from 1983

Anke Schäferkordt

Anke Schäferkordt

Member of supervisory boards.

Mandate: Member since 2020, elected until 2025

  • Since 2019: Non-executive director of Wayfair Inc. (Boston, USA) 
  • Since 2019: Member of the Supervisory Board of Serviceplan Group Management SE
  • 2012 – 2018: Member of the Board of Directors of Bertelsmann SE & Co. KGaA
  • Since 2010: Member of the Supervisory Board of BASF SE
  • 2005 – 2018: Managing Director of RTL Television und Mediengruppe RTL Deutschland GmbH
  • 2012 – 2017: Co-CEO of RTL Group S.A. (Luxembourg)
  • 1995 – 2005: CFO (until 1998), since 1999 Managing Director of VOX Film- und Fernseh GmbH & Co. KG
  • 1991 – 1995: Various functions at RTL Television
  • 1988 – 1991: Various positions at Bertelsmann AG
  • 1982 – 1988: Studies in Business Administration at Universität Paderborn, degree: Diplom-Kauffrau (business graduate)

Christoph M. Schmidt – Member of the Supervisory Board

Prof. Dr. Dr. h.c. Christoph M. Schmidt

President of RWI – Leipniz Institute of Economic Research Essen, University Professor.

Nationalities: German, Australian

  • Since 2021: Deputy Chairman of the Advisory Board of Energy and Climate Policy and Innovation Council e.V. (EPICO)
  • Since 2020: Vice president science of the German Academy of Science and Engineering (acatech)
  • Since 2002: President of RWI – Leibniz Institute for Economic Research e.V. (Essen) and Professor for economic policy and applied econometrics at Ruhr-Universität Bochum
  • 2019 – 2022: Member of the Franco-German Council of Economic Experts (2020 – 2022: co-chair)
  • 2009 – 2020: Member of the German Council of Economic Experts (2013 – 2020: chair)
  • 1999 – 2002: Program Director „Evaluation of Labour Market Policies and Projects”, Institute of Labour Economics (IZA), Bonn
  • 1995 – 2002: Professor for Econometrics at Alfred-Weber-Institut (AWI) at Ruprecht-Karls-Universität Heidelberg (ordinarius & co-chair of AWI since 1996)
  • 1991 – 1995: Research assistant and DFG (German Research Foundation) habilitation scholar at Seminar for Labour and Population Economics (SELAPO), Ludwig-Maximilians-Universität München
  • 1991 – 1995: Habilitation at Ludwig-Maximilians-Universität München
  • 1987 – 1991: Ph.D. in Economics at Princeton University (USA)
  • 1981 – 1987: Studies in Economics at Universität Mannheim, degree: Diplom-Volkswirt (graduate economist)

Dr. Vishal Sikka – member of the Supervisory Board

Dr. Vishal Sikka

Founder and CEO of Vianai Systems, Inc.

Mandate: Member since 2019, elected until 2028

Year of birth: 1967

Nationality: U.S. American

  • Since 2022: Board of Directors, GSK plc.
  • Since 2019: Member of the advisory board of the Stanford Institute for Human-Centered Artificial Intelligence
  • Since 2019: Board of Directors, Oracle Corp.
  • Since 2018: Founder and CEO of Vianai Systems, Inc. (USA)
  • 2014 – 2017: Chairman of the board of directors of Infosys Limited (India)
  • 2010 – 2014: Member of the Executive Board of SAP AG (since May 2014: SAP SE) for Products and Technology
  • 2002 – 2010: Various positions at SAP AG
  • 1996 – 2002: Stations at Xerox Corp., iBrain Software, Inc., and Bodha, Inc.
  • 1990 - 1996: Ph.D. in Artificial Intelligence at Stanford University (USA)
  • 1990: Studies in Computer Science at Syracuse University (USA), degree: B.Sc.

Sibylle Wankel

Sibylle Wankel

Managing Director and First Representative of IG Metall's Munich office.

  • Since 2021: Managing Director and First Representative of IG Metall's Munich office
  • 2016 – 2020: General Counsel of the Board of Directors of IG Metall, Frankfurt
  • 1997 – 2016: Regional Lawyer at IG Metall, Bavarian department
  • 1994 – 1997: Scientific Assistant at the Institute for German and European Technological and Environmental Law at Ruprecht-Karls-Universität Heidelberg
  • 1993 – 1994: Lawyer in Hamburg with focus on labour and social law
  • 1989 – 1993: Referendariat (legal clerkship) at Hanseatisches Oberlandesgericht, degree: Zweite Juristische Staatsprüfung (second state examination in Law)
  • 1983 – 1988: Law studies at Freie Universität Berlin and Albert-Ludwigs-Universität Freiburg, degree: Erste Juristische Staatsprüfung (first state examination in Law)

Prof. Dr. Johanna Wenckebach General Legal Counsel at IG Metall, Professor University of Labour

Prof. Dr. Johanna Wenckebach

General Legal Counsel at IG Metall, Professor University of Labour

Year of birth: 1982

  • Since 2024: General Legal Counsel at IG Metall, Head of Department of Legal Affairs and Data Protection, Member Board of Directors IG Metall
  • Since 2023: Professor of Law with focus on Labour Law, University of Labour, Frankfurt a. M.
  • 2019 – 2023: Director of Research of the Hugo Sinzheimer Institute for Labour and Social Law of Hans-Böckler-Stiftung, Frankfurt a. M.
  • 2019 – 2023: Lecturer in Labour Law at Hochschule für Wirtschaft und Recht, Berlin, from 2020 at the European Academy of Labour, Frankfurt a. M. and the EBS Hochschule Wiesbaden
  • 2019 – 2020: Deputy Chairwoman of the Supervisory Board of Volkswagen Sachsen GmbH
  • Since 2017: Honorary Judge at Arbeitsgericht Berlin (Labour Court); Honorary Judge at Bundesarbeitsgericht (Federal Labour Court) since 2022
  • 2016 – 2019: Collective Bargaining Secretary and Lawyer in the IG Metall district management Berlin-Brandenburg-Saxony
  • 2014 – 2016: Referendariat (legal clerkship) and Zweite Juristische Staatsprüfung (second state examination in Law) in Berlin and Potsdam
  • 2010 – 2015: Scientific collaboration including university teaching at the Universities of Frankfurt an der Oder, Kassel, Göttingen and Jerusalem (Israel)
  • 2001 – 2012: Law studies at Humboldt-Universität Berlin and Universidad de Salamanca (Spain); graduation in Law at the University of Bremen

Corporate Governance.

Corporate governance at the bmw group..

For the BMW Group, corporate governance is an all-embracing topic which involves all areas of the company. Transparent reporting and a corporate governance policy aimed at the interests of stakeholders are well-established traditions within the BMW Group. Cooperation between the Board of Management and the Supervisory Board, in an atmosphere of commonly shared trust and responsibility has long been the basis for managing the BMW Group. The underlying corporate culture at BMW is based on the principles of transparency, placing trust in others and taking responsibility for one's own actions.

The BMW Group believes that the recommendations and suggestions contained in the German Corporate Governance Code help make the German financial market more attractive, in particular for international investors. 

Key Aspects of BMW Group Corporate Governance.

Declaration of compliance with the german corporate governance code..

In accordance with Sec. 161 German Stock Corporation Act, the Board of Management and Supervisory Board of BMW AG issue, once a year, a Declaration of Compliance relating to the recommendations of the "Government Commission on the German Corporate Governance Code", as published in the Federal Gazette and applicable at the time of the Declaration. The Declaration is available to download here.

Currently valid

Statement on Corporate Governance.

In this statement, the Board of Management and the Supervisory Board report on the corporate governance of the Company in accordance with sections 289f and 315d of the German Commercial Code (HGB) and taking into account the reporting requirements of the German Corporate Governance Code.

Articles of Incorporation and Rules of Procedure of BMW AG.

Remuneration of the board of management and the supervisory board., further supervisory board documents ., learn more..

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PressClub USA · Article.

Bmw of north america announces executive appointments., 20.05.2022 press release, woodcliff lake, nj – may 20, 2022… bmw of north america announced today two changes to its executive management team with the appointments of raymond wittmann as executive vice president & cfo and marcus casey as vice president, marketing. both take effect on september 1, 2022., press contact..

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Woodcliff Lake, NJ – May 20, 2022… BMW of North America announced today two changes to its executive management team with the appointments of Raymond Wittmann as Executive Vice President & CFO and Marcus Casey as Vice President, Marketing.   Both take effect on September 1, 2022.

Raymond Wittmann: Executive Vice President and CFO

Raymond Wittmann joins the BMW of North America executive board to lead financial operations for the company.  Specific responsibilities include overseeing finance & controlling, risk management, treasury, taxes, payroll, procurement, corporate strategy, and facility management.  Wittmann replaces Stefan Kramer who is returning to Germany to take on a new role as Head of Finance, Global Financial Services at BMW Group headquarters in Munich.

After obtaining his doctoral thesis in aerospace engineering, Wittmann began working at McKinsey & Company in 2006 first as consultant and later as partner, specializing in the automotive, manufacturing industries and aerospace .  In 2015, he joined the BMW Group family as Vice President Plant Installation in Mexico for BMW Group Plant San Luis Potosí, responsible for the project management of preparing the company’s newest manufacturing site.  From there, Wittmann transitioned back to Munich in 2018, and then led the corporate strategic planning department for the BMW Group where he also worked on the U.S. market strategy and sat on an advisory board for the U.S. senior management.   Most recently, Wittmann served as Vice President of Assembly at BMW Group Plant Munich focused on topics such as productivity, quality, safety, and cost compliance.

Marcus Casey: Vice President, Marketing

Marcus Casey will oversee all marketing communication for the BMW brand within the U.S. market including advertising, retail marketing, consumer experience and brand partnerships, CRM, and digital media.  His most recent post was at the BMW Group headquarters in Munich, where he served as Vice President, Digital and eCommerce since 2019 where he was responsible for managing the company’s digital platforms globally. 

With a career spanning over 23 years, Casey holds international digital commerce and marketing experience in both the travel and automotive industries.  He started off at Lufthansa AG as a Management Associate in1998 and moved on to a host of increasingly senior management positions within the marketing arena both in the U.S. and Germany, from customer loyalty to digital sales, mobile and online content management, and analytics.  In 2017, Casey came to the BMW Group in Munich becoming Vice President of Business Management for the company’s digital services and products including connected car.

Casey succeeds Uwe Dreher, who was appointed Vice President of Marketing for the BMW Group Region Europe.      

Both Wittmann and Casey will report directly to Sebastian Mackensen, President and CEO of BMW of North America.

“We have been fortunate to have a track record of dynamic, talented leadership here in the U.S. and we’re excited to welcome Raymond and Marcus to the team,” said Sebastian Mackensen, President & CEO of BMW of North America.   “Ours is a critical market for the BMW Group globally and with their rich international experience as well as their strong knowledge of the U.S. business, Raymond and Marcus will play an integral role in strengthening our momentum both locally and within the company’s worldwide footprint.  We’d also like to thank Stefan and Uwe for their great contributions over the years and look forward to their continued success in their new positions at headquarters.”   

BMW Group In America

BMW of North America, LLC has been present in the United States since 1975.  Rolls-Royce Motor Cars NA, LLC began distributing vehicles in 2003.  The BMW Group in the United States has grown to include marketing, sales, and financial service organizations for the BMW brand of motor vehicles, including motorcycles, the MINI brand, and Rolls-Royce Motor Cars; Designworks, a strategic design consultancy based in California; a technology office in Silicon Valley, and various other operations throughout the country.  BMW Manufacturing Co., LLC in South Carolina is the BMW Group global center of competence for BMW X models and manufactures the X3, X4, X5, X6 and X7 Sports Activity Vehicles. The BMW Group sales organization is represented in the U.S. through networks of 350 BMW passenger car and BMW Sports Activity Vehicle centers, 146 BMW motorcycle retailers, 105 MINI passenger car dealers, and 38 Rolls-Royce Motor Car dealers.  BMW (US) Holding Corp., the BMW Group’s sales headquarters for North America, is located in Woodcliff Lake, New Jersey.

Journalist note: Information about BMW Group and its products in the USA is available to journalists on-line at www.bmwusanews.com, www.miniusanews.com and www.press.bmwna.com .

Article Offline Attachments.

  • BMW of North America Announces Executive Appointments. PDF, EN, 76.07 KB

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Munich. Here you can watch the webcast of the 104 Annual General Meeting of BMW AG.

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Acquire the skills to succeed.

Acceleration programme..

There are many paths to success. Why not take the direct one with the AcceleratiON Programme of the BMW Group?

AcceleratiON is the place to be for dynamic junior professionals and recent graduates from all disciplines – from finance and IT all the way to engineering and production. If you are aiming high and striving for a leading position at the BMW Group, you are in good company. This talent development opportunity will equip you step by step with the skills you need to succeed. Supported by an experienced mentor, you'll be able to benefit from this structured programme in several ways: having the chance to work abroad, sharing know-how across borders, joining dynamic teams to tackle exciting and varied projects and building your own global network of contacts are only some of the programme’s integral parts. So if you share our passion for future mobility solutions and would welcome the opportunity to take on new responsibilities, AcceleratiON will open doors for you. All you have to do is walk through them. We look forward to receiving your application.

The BMW Group Trainee Programme AccelertiON.

THE PROGRAMME AT A GLANCE.

The graph shows the AcceleratiON programme at a glance.

YOUR WAY INTO THE PROGRAMME.

Requirements..

PROFESSIONAL BACKGROUND.

  • Bachelor’s degree in a relevant discipline with excellent grades (Master’s degree preferred)
  • At least six months of relevant work experience (e. g. internships, training, initial professional experience)
  • A maximum of two to three years professional working experience
  • At least four months of relevant experience abroad (e. g. studies, practical experience, work & travel)
  • Extracurricular involvement (e. g. initial key role experience in a university, community, or work setting, engagement in a student project, political or charity organisation)

PERSONAL SKILLS.

  • You are fluent in German and English (additional languages would be advantageous)
  • You approach problems and demanding projects with a sharp mind
  • You are passionate about the mobility of the future
  • You show Initiative, personal accountability, willingness to change, team spirit, and self-reflection
  • You are striving for an international career

APPLICATION PROCESS.

PROGRAMME START AND APPLICATIONS.

The AcceleratiON programme starts in April/ May and September/ October with opportunities in areas such as Engineering, Manufacturing, Technology, Supply Chain/ Logistics, Operations, Finance and Human Resources.

RECRUITING PROCESS.

Please send us your application including cover letter and all relevant documentation as attachments (German or English) following the country-specific application process. As the first step of your application you will receive an invitation to complete the eAssessment.

Please check our job market regularly for the areas you are interested in. We look forward to hearing from you!

ACCELERATION IS CURRENTLY AVAILABLE IN THE FOLLOWING COUNTRIES.

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Starting July 1, 2024 , no exceptions will be made for driving related expense reimbursements if approval to become an authorized driver is received after you travel. Check the Risk Management website to view your authorization status. In addition, save the UW Traveler’s Checklist and contact the FP&M Business Office with additional questions.

The promise of travel in the age of AI

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Every generation has its own “golden age” of travel, often defined by the widespread adoption of new technology—from the jet engine of the 1950s that drastically reduced travel times to the dot-com period of the 1990s that allowed customers to build their dream itineraries online. Today, a new era of digitally enabled travel is upon us. Advances in artificial intelligence (AI), including generative AI (gen AI), and machine learning (ML) are equipping the industry to reimagine what it means to plan, book, and experience travel. This surge of innovation sets the stage for travel companies to rethink how they interact with customers, develop products and services, and manage operations.

Advances in technology have also transformed consumers’ expectations. Since 2013, time spent on digital devices has grown by 70 percent, and this trend only accelerated during the COVID-19 pandemic as online interactions increasingly replaced in-person contact. 1 Based on data from U.S. Census Bureau and Statista. See State of travel 2023 , Skift Research, July 21, 2023. However, traditional travel is unique in that it is an inherently human-centric experience. The industry, therefore, has an opportunity—perhaps even a duty—to define what travel will look like in the digital age.

Most travel companies aim to provide exceptional service and deliver the perfect trip. But, instead of ease, excitement, and delight, travel operators too often fall short of meeting baseline expectations of timing and quality. In fact, nearly 80 percent of American travelers experienced at least one travel-related problem in the first half of 2023. 2 Lane Gillespie, “Survey: 77% of travelers plagued by travel problems amid booming season; more than half saw higher prices,” Bankrate, July 10, 2023.

In the 2021 report, Rebooting customer experience to bring back the magic of travel , McKinsey and Skift Research found that leisure travelers were eager to get back to the sky, water, and road—so much so, that they were often willing to overlook customer-service issues and inconveniences. Customer satisfaction ratings at the time were high, even in a period of intense disruption when negative sentiment was on the rise. 3 Rebooting customer experience to bring back the magic of travel , a joint report from McKinsey and Skift Research, September 2021.

Today, that window of acceptance may have passed. Customer expectations are rising, and tolerance is wearing thin. Despite this, people still aspire to travel and, according to McKinsey’s ConsumerWise  Sentiment Survey, nearly a third of consumers intend to “splurge” on travel expenses in the next three months. 4 McKinsey ConsumerWise Global Sentiment Survey, August 2023, n=4,000. Through both established and new technologies, companies have the opportunity to keep the aspiration to travel alive by closing the persistent gap between the promise and reality of travel.

While larger companies may have more resources to develop in-house capabilities, a robust ecosystem of service providers makes new technologies accessible to companies of all sizes. According to McKinsey Digital estimates, companies that holistically address digital and analytics opportunities throughout their organizations have the potential to see a 15 to 25 percent earnings improvement.

A new report , The promise of travel in the age of AI , produced by McKinsey and Skift Research offers use cases and success stories that detail how technologies are being used, drawing from interviews with executives at 17 companies across five types of travel business. It explores how companies apply advanced data science to better understand and serve customers, delves into how digital and analytics tools can improve products and services, and examines how new technologies augment workforce capabilities and unlock operational capacity. This article highlights some key findings.

Know your customers like you know your friends

Over the past two decades, the variety and volume of customer data that travel companies can capture has increased dramatically; new tools and technologies such as AI-powered assistants are only accelerating this trend. However, this data is often difficult to process and does not always paint a full picture of the customer. Companies may turn to third-party sources to complete their understanding—combining and distilling commercial, operational, financial, and behavioral inputs. Robust marketing technologies can then help distinguish the “signal” from the “noise” in the data to better predict customer behavior.

Having gained a clear and comprehensive understanding, companies can create customer segments to guide how they interact with and serve different customers. Depending on the data available and the analytics capabilities at hand, segmentation can range from grouping customers into segments based on a single macro characteristic (e.g., business versus leisure) to individual “segments of one,” known as hyper-segmentation.

Hyper-segmentation drills down to a ‘segment of one.’

Drilling down to segments of one can enable hyper-personalization, which is broadly defined as the ability to uniquely tailor touchpoints to an individual customer’s needs, preferences, and behaviors. At its core, hyper-personalization is not only about increasing conversion rates, but about providing the customer with an end-to-end experience adapted to their specific context. Considering the level of personalization that is becoming the norm in many aspects of daily life, companies are adopting an ongoing test-and-learn approach to ensure their offers and actions resonate with customers’ rising expectations.

Hyper-personalization can also help companies rebuild trust if operations have gone wrong. Personalized communication reassures customers that they are at the forefront of the company’s mind and instills confidence that a thoughtful recovery plan is in place. For example, companies may share real-time status updates in moments of disruption and provide tailored solutions, or even proactive compensation, to ensure customers feel individually taken care of.

Design your products to surprise and delight

Recent advances are pushing the boundaries of what technology can accomplish. Nothing illustrates this better than the meteoric rise of AI platforms like ChatGPT which garnered one million users in only five days. 5 Steve Mollman, “ChatGPT gained 1 million users in under a week. Here’s why the AI chatbot is primed to disrupt search as we know it,” Yahoo News, December 9, 2022. While this pace of adoption may feel unsettling, it provides an impetus for companies to reimagine their product design and delivery using AI and digitization.

Historically, capabilities such as language, creativity, and aesthetic judgment—once considered uniquely human—could not be scaled through technology. AI, particularly gen AI, offers a new way to augment and scale these capabilities with the potential for enormous benefits: according to McKinsey research , generative AI has the potential to unlock between $2 trillion and $4 trillion in annual value across industries. 6 The economic potential of generative AI: The next productivity frontier , McKinsey, June 14, 2023. In the travel context, gen AI could take the form of a digital assistant that interacts with customers throughout the journey. It can provide personalized trip itineraries during discovery and booking, offer tailored recommendations based on preferences and real-time constraints during the trip, and help resolve unexpected disruptions.

However, AI is only part of the answer. Established digital technology also helps companies deliver on commitments made to customers. Many of these digital assets and tools rely on common systems and capabilities, making them widely attainable—freeing up staff to provide better face-to-face services and build relationships through the human touch. Several such applications can boost guest satisfaction and reduce points of friction in hotels, including guest apps, digital check-ins, digital room keys, and in-room tech. The magnitude of these individual tools is amplified when seamlessly integrated together, making it easier for customers to use digital applications throughout their hotel stay.

Empower your workforce to follow through on promises made

An engaged and productive workforce enables the delivery of experiences and products that satisfy customers. However, the travel industry faces structural labor hurdles and high turnover which makes attracting, training, and retaining top talent challenging. Fortunately, the industry can enhance and scale the capacity of its existing workforce by equipping the frontline with the right tools at the right time. This can free up employees to focus on the things they enjoy most and that make the travel industry tick: quality personal interactions with customers, in essence, the human touch.

Two promising opportunities to improve workforce and operational performance through technology stand out across the travel industry: augmenting frontline capacity and upskilling talent.

In the travel industry today, complex decisions still rely on human expertise and outdated technology such as greenscreen or rudimentary interfaces. This leads to a best-guess approach, the risk of negative outcomes, and a steep learning curve. Travel companies are developing new tools  for the frontline to process complex inputs and help guide “day-of” decision making. For example, advanced simulation models such as digital twins allow companies to conduct rapid “what-if” analyses and provide real-time guidance to the frontline.

According to McKinsey research , new technology, including gen AI, is also shortening training times for new hires while rapidly upskilling the existing workforce. For instance, virtual and augmented reality are used to simulate real-life scenarios to prepare frontline employees to hit the ground running, and gen-AI-enabled "teaching assistants” provide personalized coaching based on individual performance. 7 “ The organization of the future: Enabled by gen AI, driven by people ,” McKinsey, September 19, 2023.

Travel is ripe for innovation

Checklist for the age of ai.

Some travel companies are already successfully deploying digital technology, AI, and ML to reshape how they interact with customers, develop and deliver products and services, and manage people and operations. They’ve taken the following actions—are you on track?

General considerations

  • created a digital wish list—as if the company had infinite time and resources
  • prioritized wish list based on potential short- and long-term benefits as well as the company’s strategic vision and available resources
  • assessed the skills and talent necessary to execute against the prioritized wish list
  • built the right team and identified roadmap to fill remaining gaps
  • inventoried existing internal customer data
  • determined which data variables drive customer behavior and predict customer buying decisions
  • identified relevant third-party data and integrated with internal data to build a complete customer picture
  • considered using a robust MarTech stack to continuously learn and evolve with customers
  • defined a dynamic segmentation and personalization approach based on customer personas
  • adopted test-and-learn mindset to continually implement and refine
  • mapped the end-to-end customer journey and identified pain points
  • used analytics to determine which pain points impact customers the most
  • considered new technology (like AI) to enhance and reimagine the customer journey
  • brainstormed improvements to current digital offerings that would minimize pain points (such as more timely communication)
  • built a product roadmap based on timing and importance of features
  • diagnosed top day-to-day employee pain points
  • determined if digital tools can resolve top pain points (for example, automate repetitive tasks)
  • provided workforce with real-time visibility into critical areas of daily operations
  • used simulation models to plan for multiple future-state scenarios
  • built decision-making tools (such as digital twins) to choose optimal solutions for complex problems
  • defined opportunities to improve training (using tools such as simulation training, VR, AR) and provide feedback (using smart-AI tool)

We believe this is a moment of optimism for the industry. Between reclaiming its historical share of GDP, benefiting from the ongoing corporate travel recovery, and catering to consumer demand for unique experiences, the stage is set for travel’s accelerated growth. Looking ahead, travel is forecasted to grow at an average of 5.8 percent a year through 2032—more than double the expected growth rate of the overall economy (at 2.7 percent a year). 8 “Travel & Tourism sector expected to create nearly 126 million new jobs within the next decade,” World Travel & Tourism Council, April 21, 2023.

This does not mean that travel companies can simply sit back and reap the benefits. Existing and new technologies provide an avenue for companies to capture their share of the industry’s anticipated growth by resetting how they interact with customers, deliver products and services, and empower their workforce. Fortunately, there are a growing number of ways—build, buy, or partner—to help companies get started. The only wrong move is no move.

Susann Almasi is an associate partner in McKinsey’s Carolinas office, Alex Cosmas is a partner in the New York office, Sam Cowan is a consultant in the Minneapolis office, and Ben Ellencweig is a senior partner in the Stamford office.

The authors wish to thank Skift’s Pranavi Agarwal, Seth Borko, and Wouter Geerts as well as McKinsey’s Marisa Ancona, Danielle Bozarth, Vik Krishnan, Nina Lind, Elena Patel, Alessandra Powell, Jules Seeley, and Nirva Vassa, for their contributions to this article.

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REAL TIME VC & PRIVATE EQUITY DEALS AND NEWS

TravelPerk Acquires AmTrav; Receives Up To $135M Credit Facility

TravelPerk

TravelPerk , a Barcelona, Spain-based provider of a global business travel management platform, acquired AmTrav, a Chicago, IL-based provider of a technology and service platform designed to make business travel personal and productive.

The amount of the deal was not disclosed.

With the acquisition, TravelPerk will see accelerates US expansion and double its revenue in the country, following 65% year-over-year growth in the market in 2023. AmTrav’s highly localised tech platform doubles TravelPerk’s US revenue and expands its footprint to include offices in Boston, Chicago, Los Angeles and Miami.

Additionally, TravelPerk has raised a new credit facility of up to $135M led by Blackstone Credit & Insurance and Blue Owl Credit.

AmTrav provides a technology and service platform designed to make business travel personal and productive. Companies of all sizes use it to book trips, find savings, set travel policies, manage payments and expenses and keep their travellers safe.

Led by CEO Avi Meir, TravelPerk is a SaaS business travel platform with a large travel inventory alongside management features, 24/7 customer support, technology, and consumer-grade design, all of which enable companies and organisations worldwide like Betterment, Adyen (Nasdaq (ADYEY), Wise and Red Bull to get the most out of their travel.

  • Best overall
  • Best for cruises
  • Best for reputation
  • Best for preexisting conditions
  • Best for digital nomads
  • Best low-cost
  • Best for road trips
  • How we reviewed travel insurance companies

Ultimate Guide to Choosing the Best Travel Insurance in June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this guide to the best travel insurance, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Our Picks for the Best Travel Insurance Companies

Best overall: nationwide travel insurance.

  • Runner-Up: AXA Assistance USA
  • Best for Cruises: Travel Guard
  • Best Reputation:  C&F Travel Insured
  • Best for Pre-existing Conditions:   Tin Leg Travel Insurance
  • Best for Digital Nomads:   WorldTrips Travel Insurance
  • Best Low-Cost Option:   Trawick International Travel Insurance

Best for Road Trips: Travelex Travel Insurance

How we rate travel insurance »

Compare the Best Travel Insurance Companies

The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in 2024. 

Nationwide Nationwide Travel Insurance

  • Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
  • con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
  • con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

  • Cancel for any reason coverage available

Nationwide Travel Insurance is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Read our Nationwide Travel Insurance review here.

Best Travel Insurance Runner-Up: AXA Assistance USA

AXA AXA Assistance USA

  • Trip cancellation coverage of up to 100% of the trip cost
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
  • con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
  • con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

  • Silver, Gold, and Platinum plans available
  • Trip interruption coverage of up to 150% of the trip cost
  • Emergency medical coverage of up to $250,000

AXA Assistance USA  offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

Read our AXA Assistance USA Travel Insurance review  here.

Best for Cruises: AIG Travel Guard

AIG Travel Guard

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
  • con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

  • Trip cancellation coverage for up to 100% of the trip cost
  • Trip interruption coverage for up to 150% of the trip cost
  • Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
  • Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

Read our AIG Travel Guard review here.

Best for Reputation: C&F Travel Insured

C&F C&F Travel Insured

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
  • con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
  • con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
  • C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.  

Read our C&F Travel Insured review  here. 

Best for Pre-Existing Conditions: Tin Leg Travel Insurance

TinLeg Tin Leg Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
  • con icon Two crossed lines that form an 'X'. Limited add-on coverage options
  • con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

  • Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

Tin Leg Travel Insurance is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg Travel Insurance review here.

Best for Digital Nomads: WorldTrips Travel Insurance

WorldTrips WorldTrips Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable base plans that can be customized with add-ons including rental car, pet care, hunting and fishing, and vacation rental coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Insurance plans available for international student travelers
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage benefit that kicks in after just five hours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Pre-existing conditions waiver can be purchased within 21 days of initial trip payment
  • con icon Two crossed lines that form an 'X'. Lower medical, evacuation and accidental death limits
  • con icon Two crossed lines that form an 'X'. Limited, secondary baggage loss coverage although baggage protection can be upgraded at a low cost
  • con icon Two crossed lines that form an 'X'. No special coverages for pets, sports equipment, etc.

WorldTrips has been a reputable travel insurance provider for more than 20 years. Unsurprisingly, it boasts an A+ rating from the Better Business Bureau and positive reviews from thousands of customers.

  • Travel medical insurance (Premium, Group, Annual, and International Student options)
  • Trip cancellation insurance
  • Trip protection insurance

WorldTrips Travel Insurance has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

Read our WorldTrips Travel Insurance review here.

Best for Affordability: Trawick International Travel Insurance

Trawick Trawick International Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
  • con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
  • con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
  • con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

  • Travel medical insurance
  • Trip protection and cancellation
  • International student insurance
  • Visitor medical insurance (for traveling to the US)

Trawick International Travel Insurance is another insurance provider with robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.

Read our Trawick Travel Insurance review here.

Travelex Travelex Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
  • con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
  • con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
  • con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
  • con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

  • Optional CFAR insurance available with the Travel Select plan
  • Trip delay insurance starting at $500 with the Travel Basic plan
  • Emergency medical and dental coverage starting at $15,000

Travelex Travel Insurance  offers three plans:

  • Travel Basic
  • Travel Select
  • Travel America

The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Read our Travelex Travel Insurance review  here.

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. 

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

How We Reviewed the Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

Best Travel Insurance FAQs

There isn't a one-size-fits-all solution for every traveler. Determine the benefits that are most important to you, like baggage delay coverage, medical coverage, and trip delay coverage, then look for a company with solid customer ratings, especially when it comes to processing claims.

Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip due to work reasons, make sure your policy will cover you in that situation before purchasing it. You should also check customer reviews to see other travelers' claims experiences, as it varies wildly from company to company.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

Most comprehensive travel insurance policies include travel medical coverage that can come in handy if an emergency occurs and you need medical evacuation. Some travel insurance plans offer more specialized coverage for travelers with pre-existing conditions , so shop around if medical coverage is a top priority for you. 

$100,000 should be a sufficient medical coverage limit for travel insurance. If you're planning on doing extreme sports or anything particularly risky on your trip, you may want to increase your coverage level. A high medical coverage limit is especially useful when you're purchasing cruise travel insurance, since medical evacuations are more involved at sea.

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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Best Things To Do in Stavropol, Russia

Have you ever visited a new place and felt ‘wow’ about it? For many visitors, it happens at Stavropol.

Stavropol may not be as popular as other cities in Russia, but don’t let that fool you. Stavropol is a smaller but beautiful upcoming tourist destination that is worth a visit. You will be surprised by some of the unique things to do and places you can explore at this hidden destination.

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If you have plans to visit Russia and are not sure if Stavropol should be included in your itinerary, keep reading. In this list, we have put together some of the things to do in Stavropol and around. We have a hunch that if you include this city in your travel plans, you will be thrilled you did so.

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Utah Tech receives NASA grant for water management solutions project

By bridger palmer, st. george news | posted - june 17, 2024 at 9:31 p.m., utah tech university has been awarded a nasa mini-grant to develop a cubesat aiming to aid water resource management in utah. (nasa).

Estimated read time: Less than a minute

ST. GEORGE — Utah Tech University has been awarded a NASA mini-grant to develop a CubeSat aiming to aid water resource management in Utah. The project was initiated on May 18 this year and will run until May 17, 2025.

A CubeSat is a small satellite developed by California Polytechnic State University and Stanford in the early 2000s aimed at giving university students the opportunity to gain experience in space engineering.

This year's CubeSat is a water desalination project in coordination with the Utah Water Resource Division and Water Conservancy District.

If successful, phase two would involve finding a launch vehicle and possibly launching the device into space the following year. Dr. Monte Kennedy, a retired aerospace engineer and adjunct professor at Utah Tech with 45 years of experience in the field, told St. George News he spearheaded the proposal to NASA.

Read the entire story at St. George News.

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