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.

Travel Insurance Archives

Group Travel Insurance

Whether travelling as a group for a sports team or for a business trip with colleagues, having adequate travel insurance is a high priority. Taking out a group policy can help you save time and money, and keep your mind focused on planning the actual travels themselves. Get a quote for group travel insurance on finder.com.au.

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