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Group Travel Insurance

Get everyone on one policy and save some money with group travel insurance.

What you need to know

  • Some travel insurers can cover groups of up to 25 people.
  • Group travel insurance is typically cheaper than buying individual cover.
  • It can cover overseas medical expenses, lost luggage, trip cancellations, delays and more.

Travel insurers that offer group cover

BrandMaximum number of travellers on group policyApply
Medibank logo10Get a quote
Zoom logo25Get a quote
Fast Cover LogoNo maxGet a quote
Insure4Less Travel Insurance Logo25Get a quote
Travel insuranz logo25Get a quote
insureandgo10Get a quote
Tick Logo10Get a quote
Covermore logo6Get a quote
Southern Cross LogoSCTI10Get a quote
Easy travel insurance logoNo max Get a quote
Stella travel insurance logo10Get a quote
Australia Post10Get a quote
25More info
American Express logo13 More info
skiinsurance ski travel insurance logo25More info

Note: This information was last updated July 2023

Get travel insurance quotes for your group

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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 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:

Hospital

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

Coronavirus

COVID-19 expenses

Many travel insurance policies, including group cover, can pay for COVID-related medical expenses and up to $5,000 towards cancellation or rearrangement costs.

Plane icon

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.

Lost luggage

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.

Car crash

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.

Injured person

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 is always included with travel insurance and can cover you for up to $2 million.

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.

one

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.

two

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.

three

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 it along with any required documentation.

Helpful tip for your upcoming group trip

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.

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