How does group travel insurance work?
Overall, group travel insurance works very much like any other type of travel insurance – the only difference is that it covers a group of people travelling together. You’ll usually be covered for certain events, such as cancellation, lost luggage, medical treatment overseas and emergency repatriation – the exact coverage should be set out in your policy documentation.
Of course, as with all travel insurance, there are things you need to be aware of, such as:
You all need to be happy with the level of cover and the amount of excess. Increasing the amount of excess can reduce the cost of the policy, but you all need to be able to afford it if you make a claim.
For group cover, you should make sure you have enough cover for the highest possible claim you could make – for example, if everyone's luggage went missing or an accident meant you all had to be repatriated. Make sure the whole party know any single item limits too – so they know the maximum that could be claimed for any one item.
You can find out more basic travel insurance information in our travel insurance guides.