Group Travel Insurance

Group of conoers posing

Get travel insurance for your whole group on a single policy - 10% premium discounts on offer

Whether you are travelling as a school group, sports team, group of colleagues or group of fiends, one of the things you need to organise when you are travelling as part of a group is adequate travel insurance.

How does group travel insurance work?

Many providers will now offer cover for up to 25 people under a single policy of insurance. One person simply has to apply for all other travellers by following these steps. Group policies can provide all the features of a regular single policy including overseas medical expenses, lost luggage, trip cancellations and delays.

Is group travel insurance cheaper?

In some cases, yes. Depending on the provider, you may be entitled to a group discount of up to 10%.

Brands that offer group cover

BrandMaximum number of travellers on group policyApply
1Cover LogoMaximum of 25 travellers for group policiesGet quote
AMEX Travel InsuranceMaximum of 13 travellers for group policies. Must consist of 4 adults and 9 childrenGet quote
Budget Direct Travel InsuranceMaximum of 10 travellers, provided they are commencing and returning on the same datesGet quote
Columbus DirectUp to 8 people online (9-40 by contacting Columbus Direct by phone or email)Get quote
Easy Travel InsuranceEach group must have a minimum of 10 students and 1 teacherGet quote
Go InsuranceMaximum of 10 travellers for group policiesGet quote
InsureandGoMaximum of 10 travellers for group policiesGet quote
Ski Insurance LogoUp to 10 people online (for larger groups you'll need to call or email quote
STA Travel LogoMaximum of 9 travellers for group policiesGet quote
Travel Insurance DirectNo maximum number of travellers for group policiesGet quote
Tick Travel InsuranceMaximum of 10 travellers for group policiesGet quote
Travel Insuranz LogoNo maximum number of travellers for group policiesGet quote

The benefits of taking out a group travel insurance policy

Group policies not only offer convenience and great savings but also the security of knowing that each member of the group is protected in the event that a loss occurs. Ones loss could impact the entire group so it crucial to ensure the right cover is in place. Some of the benefits you will be able to enjoy when you opt for group travel insurance include:

  • Same benefits as a regular plan: The beauty of taking out group policies is that you will receive the same comprehensive cover as a regular plan at a lower rate. Each person in the group will be covered as if they were insured under separate policies with single benefit limits per insured person.
  • Convenience: When you opt for group travel insurance, you do not have to worry about finding cover for each individual person in the group, as you have the convenience of taking out just one plan to cover everyone in the group. This can save everyone involved a lot of time and hassle of purchasing cover individually.
  • Consistency: With a group travel insurance plan, you will have the peace of mind that not only is everyone in the group covered but that everyone has the same level of coverage, which means that you will all have protection in the event of a variety of mishaps and issues.
  • Value for money: You will find that you can save a significant amount of money on the cost of your travel insurance cover when you opt for group travel insurance. Although the overall cost of the plan is higher than an individual plan, this cost is shared between all members of the group, which can bring the cost per person down significantly
  • Less hassle: It is important to take your travel insurance details on your trip with you, so that you have all of the details you need if you need to make contact or have an emergency. If you all have individual plans you will have a lot of paperwork to take along if you are part of a large group. With a group travel insurance plan, you only have one provider to deal with, one set of documents to read through, and one set of details to take along on holiday with you
  • Bonus benefits: Some group policies will include additional benefits including a higher baggage allowance than would usually be provided under a single policy

What is covered under group travel insurance cover?

Just like any travel insurance plan, you will need to consider your destination and planned activities when you take out cover, so that you can ensure that any specialist needs are catered for. Standard features that should be found across all group travel insurance policies include:

  • Medical expenses/emergencies: Your policy should provide cover for medical expenses and 24-hour emergency assistance while travelling. This will include hospital stay, medical evacuations and funeral arrangements. Emergency dental care should also be covered, although continued treatment when you get home will not be part of the cover. Certain pre-existing medical conditions are not generally covered and any member of the group that has a condition that is not automatically covered under the policy will have to make this known to the insurer when applying.
  • Luggage and personal belongings: You should be covered if you fall victim to loss or theft of belongings. This can include luggage, credit cards, traveller’s cheques, personal items etc. Each member of the group should register any high-value items with the insurer during the policy application to ensure an adequate amount of cover is in place.
  • Personal liability: If you cause injury to someone or damage to someone’s property while you are away, you could be looking at significant legal costs and damages. Personal liability is covered under standard travel insurance, with the standard coverage level standing at $2 million.
  • Accidental death or disability: Loss of income is usually covered if you are injured and disabled while you are away. Benefit payments for accidental death will be paid out to arrange repatriation.
  • Excess on a rental vehicle: You may decide to rent a vehicle when you go away as a group, such as a minivan. If you rent a vehicle and you then have an accident or the vehicle is stolen, you should be covered by your vehicle insurance but you may still have to pay an excess charge from the rental company. With your group travel insurance cover, the excess is covered so you are not going to be out of pocket.
  • Holiday company/airline insolvency: If you have already paid for all of your travel expenses and your airline or holiday firm then goes bust, you could find yourself facing great financial losses. With travel insurance, you will be covered for any prepaid expenses if your holiday company or airline declares bankruptcy.
  • Delays and cancellation: Standard travel insurance also covers against delayed flights or if you need to cancel your trip. Reasons for cancellation usually must be out of your control, such as: sickness, injury, strike, retrenchment and natural disasters.

These are just some of the features you should ensure are included on your group policy. It is essential that each member of the group knows exactly what they are covered for and the conditions for a claim to be successful.

Checking the exclusions for your group

One thing that is very important if you have been given the responsibility of finding group travel insurance is to check the small print for exclusions and restrictions. Remember, when you are looking for group travel insurance cover, it is not just your own circumstances and needs you have to think about but those of each member of the group.

What exclusions should I look out for?

You will need to look at things such as any restrictions relating to age, pre-existing medical issues, residency, and planned activities for whilst you are away. In some cases, these may not result in restrictions but could add to the cost of the plan, so this is something that you may need to discuss with other group members to decide how to deal with any additional premium. You may all decide as a group to split this higher cost equally or you may decide to ask for extra from those who have caused the increase.

Remember, each policy has different exclusions

Each policy will have its own set of exclusions for when a claim will not be paid. It is critical that each member reviews these to avoid any surprises in the event of a claim being made.

Making group members aware of the policy details

Although it will not be necessary for each member of the group to take details and documents relating to the group travel insurance away with them, it is a good idea for the person who is arranging the group travel insurance cover to circulate the policy details via email or hard copy to all members of the group who are covered under the plan.

Why should I bother?

This will help to ensure that everyone who is covered is fully aware of the level of coverage they have, any restrictions and exclusions that apply, and what they are and are not covered for. It also means that if group members feel that there are other details that they need to disclose to the insurance provider based on the information in the policy, they can let you know right away rather than realising when it is too late that they have failed to provide vital details that could risk their cover.

Follow these tips when comparing group cover

  • Compare providers and policies offered

As is the case with any insurance cover you take out, it is important to compare the providers and plans on offer when you are looking for group travel insurance cover. You will find a variety of different plans available that may be suitable for your group, but if you want to boost your chances of finding the right cover at the right price, it is important to browse and compare the available options and ensure that the price reflects the cover provided.

  • Purchase online

Purchasing group travel cover online is not only more convenient but can bring great savings. You can browse and compare group travel insurance plans in your own time and from the comfort and privacy of your own home. You will also find some great exclusive deals and offers on travel insurance cover online with many insurers looking to get the edge over competitors by giving short-term deals offering premium discounts and other incentives.

  • Features to compare

There are certain things that you need to pay careful attention to when you are comparing group travel insurance cover in order to maximise your chances of getting suitable cover for the needs of your group at a price that fits in with your collective budget. Some key points to consider when comparing group policies are:

  • The cost of your cover: You need to ensure that the cost of your group travel insurance fits in within the group budget. The cost can be affected by a range of different factors, such as the ages of group members, pre-existing medical issues, the destination you are heading to, the types of activities you plan to engage in, the number of people in your group, the level of coverage you want, and the provider you go with.
  • The coverage you receive: You need to look at not only what is covered as part of your travel insurance plan, but also what level of coverage you will receive for each of the events or possible situations.
  • Exclusions and restrictions: Each member should be aware of the policy exclusions and the conditions for any benefit being paid. Most policies will not pay out on claims where the claimant has been under the influence of drugs or alcohol or for riding a motorcycle without an Australian motorcycle license.

How do I make a claim with a group policy?

The process for making a claim for a loss if the person is covered under a group policy is much the same as for making a claim on a single policy.

Claims process

1. Contact the insurer

In the event of a loss occurring, the insured or a member of their group should contact the insurer as soon as possible. An insurance consultant will guide you through the claims process. The claim may be completed over the phone, but if more information is needed, they will let you know the next steps to take. It is best to have the insurance number ready when the call is made.

2. Gather the necessary documents

Upon contacting the insurer, they will inform you of what documentation will be required for your claim to be successful. Each claim may require different types of documentation though some typical types of verification include;

  • Medical reports
  • Invoices
  • Purchase receipts
  • Police reports

The documentation required for the claim should be located in the product disclosure statement but may be verified with the insurer if this is not clear.

3. Submit claim form

Each insurer will have a claims form that can be downloaded from their website. After filling out the form, you will be able to submit it online or post it along with any required documentation. It is recommended that you maintain a copy for your own records.

General claim requirements

  • Loss or theft of personal belongings should be reported to the local policy immediately and a policy report should be obtained.
  • Any damage or misplacement of luggage/personal effects by an airline or any other travel operator should be reported to a company official immediately. You must obtain a written statement from the company including any offer for settlement that they have made.
  • Claims generally must be submitted within 60 days of having returned home.

Conditions for claim payments may vary greatly between providers so it is essential that you have a clear understanding of what is required in order for your claim to be successful. If travelling in a group, ensure that every member is aware of the right action to take in the event of a loss occurring.

Extra questions you might have about group travel insurance

How many people can be covered under a group policy?

This will depend on the cover chosen but will generally be between 3 and 25 people.

Can spouse and children be included on the policy?

Some insurers will allow for the spouse and dependent children of members listed on the policy to also be covered.

Will there be separate policies provided?

There will only be one certificate of insurance though each member will receive the same cover provided under a single policy.

What is the maximum age of travellers in the group?

This will vary between insurers though most providers will not cover travellers over 60 years of age under a group policy. Travellers above the maximum age will need to seek out their own policy.

Will the same cover be provided as a single policy?

Yes, group policies will provide the same benefits as a single policy however, there may be a reduced sum-insured. This is worth reviewing prior to purchasing the policy.

Is it possible to apply for annual cover?

Yes, group policies can be purchased as annual-multi trip, providing cover for an unlimited number of trips within any 12-month period. This can be a great option for groups of colleagues that take regular business trips each year.

What happens if a member of the group has a pre-existing medical condition?

They will be required to complete a medical questionnaire prior to the policy being purchased. In the event that the insurer is not willing to cover them under the group policy, they will have to take out their own policy that accommodates for their condition.

How much can be saved by taking out group policies?

This will be dependent on a number of factors such as, the age of group members, any preexisting medical conditions and any extras purchase though some providers state that taking out group policies can bring premium savings of between 10% and 15%.

How do I apply for group travel insurance?

The application and purchase process for a group travel insurance policy is much the same as for purchasing a single trip policy. The transaction can be completed entirely online and can be completed by one member of the group. Most insurers will require the following details for a preliminary quote to be prepared;

  • Name of the group
  • Type of group i.e. extended family, sporting club, tour group, club, civic organisation, professional association, student group
  • Destination group is travelling to
  • Duration of trip
  • Age of each adult traveller
  • Number of dependent children travelling with the group

Upon receiving a quote for the cover, the person purchasing the policy must state whether any of the members of group have a pre-existing medical condition. In the event that a member does have a pre-existing medical condition, they will be required to fill out a medical questionnaire before the policy can be purchased. If the insurer is unable to cover them under the group policy, they may be required to take out their own policy with additional cover for their condition.

The insurer will name of each member of the group and their age before the policy can be purchased. While there will only be one submitting their card details to purchase the policy, each member of the group will be provided with their own policy.

Receive quotes for your group

If you are looking for a travel insurance policy to provide cover for you and your group of travelling companions, you can follow the secure links found on this page through to our featured travel insurance providers. You can receive quotes completely free of charge and purchase cover entirely online. As always, recommends that you review the product disclosure statement and consult other members of your group prior to purchasing the cover. Never hesitate to contact the insurer to discuss any aspects of the policy that are not clear.

Receive quotes for group travel insurance cover

Picture: , licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the privacy policy, receive follow up emails related to and to create a user account where further replies to your questions will be sent.

4 Responses to Group Travel Insurance

  1. Default Gravatar
    Rayleen | December 16, 2014

    We are traveling for family holiday to Thailand. Half of the family live in New Zealand can we get group insurance to cover departure and return to New Zealand and Australia

    • Staff
      Richard | December 16, 2014

      Hi Rayleen,

      Thanks for your question. Unfortunately, is a comparison website and not an insurer. As far as I am aware, all members of a group need to come from and return to the same place in order to be covered by the policy. However, you may wish to contact specific providers and ask the question prior to purchase.

      I hope this was helpful,

  2. Default Gravatar
    Marlene | April 10, 2014

    Hello, we are looking for travel insurance for a group consisting of one adult group leader who is accompanying 4 children to a youth camp in Portugal. None of the travellers are related to each other, but the leader is the guardian for the duration of the trip. Can we get cover for all five of them on one policy?

    Many thanks


    • Staff
      William | April 10, 2014

      Hi Marlene,

      Thank you for your enquiry. Many providers offer what is known as a group policy which will cover different members of a group even if they are not related i.e. business, school, sport etc. OneCover provides cover for up to 25 individuals under a single policy. Its worth comparing options from a number of providers that can be found on our homepage here to find the cover that is right for you.

      Thank you for your enquiry.

Ask a question