Group Travel Insurance

Travel insurers that offer group cover

Brand	Maximum number of travellers on group policy	Apply
	10	Get a quote
	25	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
	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

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
Finder's insurance and innovations editor

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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%.