Group Travel Insurance

Travel insurers that offer group cover

Brand	Maximum number of travellers on group policy	Apply
	10	Get a quote
	25 No max limit via customer service. 25 max limit is only when self-servicing.	Get a quote
	No max	Get a quote
	25 Up to 25 adults and 25 children	Get a quote
	25	Get a quote
	10	Get a quote
	10	Get a quote
	6	Get a quote
	10
	No max Minimum of 10	Get a quote
	10	Get a quote
	10	Get a quote
	25	More info
	13 Must consist of 4 adults and 9 children
	25

^{Note: This information was last updated July 2023}

Get travel insurance quotes for your group

Pop in your trip details, including the age of everyone travelling, to compare quotes for group travel insurance.

Is it better to buy travel insurance in a group?

Group travel insurance policies are convenient and sometimes cheaper than a regular policy because some brands offer discounts based on the number of travellers. Some of the benefits include:

• Same benefits as a regular plan – it's the same as a regular policy, it just covers more people
• Convenience – you only have one policy to look out for if something goes wrong
• It's often cheaper than buying several individual policies

What does group travel insurance cover?

A typical comprehensive policy should cover you for:

Medical expenses/emergencies

This includes hospital stays, medical evacuations and funeral arrangements. Most come with emergency dental care as well but some pre-existing medical conditions aren't generally covered

COVID-19 expenses

Many travel insurance policies, including group cover, can pay for COVID-related medical expenses and cancellation or rearrangement costs if you test positive. The limits differ between insurers and between policies, so check them before you buy.

Delays and cancellations

For example, cover for delayed flights or if you need to cancel your trip. Reasons for cancellation must be out of your control, such as sickness, injury or natural disasters.

Luggage and personal belongings

This can include lost or stolen luggage, credit cards, traveller's cheques, personal items etc. If any member of the group has a high-value item, they should add this on during the policy application.

Excess on a rental vehicle

If you rent a vehicle while you're away and you get into an accident, you should be covered by your vehicle insurance. However, you will still have to pay an excess charge from the rental company. With your group travel insurance cover, the excess is covered.

Personal liability

If you injure someone or damage their property while you're away, you could be on the hook to pay for damages. Personal liability cover is included with many travel insurance policies. Check whether your policy includes it and what the limit is.

How do I apply for group travel insurance?

The insurer will need the name of each member of the group and their age. You will also need to list if any children are travelling with the group.

Importantly, you'll also need to let the insurer know if anyone in the group has a pre-existing medical condition. If someone does, they'll need to fill out a medical questionnaire before you can buy a policy. If the insurer is unable to cover them under the group policy, they may need to take out their own policy.

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.

Contact the insurer

Do this 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'll let you know the next steps to take.

Gather the necessary documents

The insurer will let you know exactly but typically you will need evidence to prove your claim. This can include medical reports, invoices, receipts and police reports.

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 by post, along with any required documentation.

Helpful tip for your upcoming group trip

Our expert says

"Only one person needs to organise travel insurance for the group. They'll need everyone's full name, date of birth and any pre-existing medical conditions they have. The group organiser will get one certificate of insurance for everyone. Before you go, it's also a good idea to get everyone's family's contact details in case something happens. "

Gary Ross Hunter

Journalist

Extra questions you might have about group travel insurance

• Who is eligible for group travel insurance?

  Group travel insurance is generally available for people travelling together on the same itinerary. This can include families, friends, school groups or work colleagues. Eligibility can also depend on the residency status of group members.

• What if a group member needs to cancel their trip or leave early?

  Most group travel insurance policies cover each individual for their portion of the trip. If one person needs to cancel or leave early due to an unforeseen event covered by the policy they can usually make a claim. The coverage for the remaining group members typically remains active.

• Can we add or remove members from a group policy after purchase?

  The ability to add or remove members after purchasing a group policy varies between insurers. Some providers may allow amendments for a fee, while others might require the policy to be cancelled and rebooked with the updated group details. It is best to check with your insurer directly.

• Are there any common exclusions specific to group travel insurance?

  Common exclusions for group travel insurance are similar to individual policies. These often include claims arising from reckless behaviour, alcohol or drug related incidents, undeclared pre-existing medical conditions, and participation in certain high-risk activities. Travel to destinations with a 'do not travel' warning from the Australian government is also typically excluded.

• How do I handle medical emergencies or claims for individuals within the group?

  In a medical emergency for a group member, contact the insurer's emergency assistance team immediately. For general claims, each individual usually needs to submit their own claim form and supporting documentation. The main policy holder may need to assist with policy details and coordination.

• Does group travel insurance cover school trips or corporate travel?

  Yes, group travel insurance is often well-suited for organised trips such as school excursions or corporate travel. Policies can sometimes be tailored to include specific cover for supervising adults, educational equipment or business-related items. It is important to confirm the specific needs of the group with the insurer.

• Can different group members have different levels of cover or add-ons?

  Typically, all members on a single group travel insurance policy will receive the same level of cover and benefits. If certain individuals require different levels of cover or specific add-ons that are not universal to the group policy they may need to purchase a separate individual policy.

• Who is the main contact person for a group travel insurance policy?

  The person who purchases the group travel insurance policy is usually designated as the main contact. This individual will receive all policy documents and communications, and be responsible for managing the policy, including making any necessary amendments or assisting with claims for group members.

• What documentation is needed when applying for group travel insurance?

  When applying for group travel insurance you will typically need to provide the full names, dates of birth and travel dates for all group members. You will also need to declare any pre-existing medical conditions for each individual and provide details about your trip itinerary and destination.

Written by

Gary Ross Hunter

Journalist

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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

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Gary Ross has written 554 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
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