Group Travel Insurance

Travel insurers that offer group cover

Brand	Maximum number of travellers on group policy	Apply
	10	Get a quote
	25more info button	Get a quote
	No max	Get a quote
	25more info button	Get a quote
	25	Get a quote
	10	Get a quote
	10	Get a quote
	6	Get a quote
	10	Get a quote
	No max more info button	Get a quote
	10	Get a quote
	10	Get a quote
	25	More info
	13 more info button	More info
	25	More info

^{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 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 up to $5,000 towards cancellation or rearrangement costs.

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 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.

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 it 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

• What is a group travel insurance policy?

  Group travel insurance is the same as any other type of travel insurance. The only difference is that it can cover up to 25 people under one policy. Everyone listed on the policy is covered. This can include cover for cancellations, medical expenses, delayed luggage and rental car excess.

• 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%.

• Does travel insurance cover all family members?

  Yes, travel insurance can cover all family members if they are included on the policy. Family travel insurance typically covers two adults and their dependent children under one policy. Ensure that all family members are listed on the policy to guarantee coverage. It’s also possible to include extended family members, depending on the insurer's rules.

• What is group cover insurance?

  Group cover insurance is a type of policy that provides coverage for multiple people under one plan. In the context of travel insurance, it offers protection for a group travelling together, covering risks like medical emergencies, trip cancellations and lost luggage. Group cover is often more economical and easier to manage than individual policies.

• What is considered a group for travel?

  A group for travel insurance typically refers to two or more people travelling together on the same itinerary. This can include family members, friends or colleagues. The group must usually be travelling together for the majority of the trip to qualify for a group policy, though specific definitions may vary by insurer.

• Can you travel individually on a group travel insurance?

  Yes, you can often travel individually on a group travel insurance policy, provided that all members are listed on the policy. However, it’s important to check the policy terms, as coverage may vary if members are travelling separately rather than together. Some policies may require group members to travel on the same itinerary to be fully covered.

• Is it better to get multi-trip travel insurance?

  Multi-trip travel insurance can be better for frequent travellers as it covers multiple trips within a set period, typically a year. It can be more cost-effective and convenient than purchasing separate policies for each trip. Multi-trip policies are ideal for those who travel several times a year, either for business or leisure.

• Can you add friends to travel insurance?

  Yes, you can add friends to your travel insurance policy if the policy allows for group or family coverage. This can be a convenient way to ensure that everyone in your travel party is covered under the same policy. When adding friends, make sure to include their details at the time of purchasing the policy to ensure full coverage.

• Are group travel insurance policies worth it?

  Group travel insurance policies can offer a cost-effective way to ensure everyone is covered under the same policy, which simplifies the process when claiming and can provide consistent coverage across the group. It can also be more convenient to manage one policy rather than multiple individual ones.

Written by

Gary Ross Hunter

Journalist

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

Gary Ross's expertise

Gary Ross has written 607 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
• Managing the cost of living