Travelling with friends, colleagues, or a large party? Compare group travel insurance policies and cover everyone under one policy – saving time, money, and administrative hassle!
the benefits
Instead of each traveller purchasing individual cover, a group travel insurance policy covers everyone under a single policy. This eliminates the administrative burden of coordinating multiple individual policies and ensures consistent protection for every member of the group – whether you’re travelling with friends, colleagues, family members, or a combination of all three.
Group travel insurance policies typically offer discounts based on the number of travellers. The savings can be significant – some insurers offer a discount of around five percent for groups of five or more, and ten percent for groups of ten or more. The larger the group, the greater the potential saving compared to purchasing individual policies for each traveller.
Each traveller under a group policy receives the same level of cover as they would under an individual policy – including emergency overseas medical cover, trip cancellation, travel delays, lost or damaged luggage, and personal liability. Group cover doesn’t mean reduced benefits; every member of the group is protected in the event that something doesn’t go to plan.
Group travel insurance is available for virtually any type of group trip – including holidays with friends, corporate trips and business conferences, school excursions, sporting tours, hen and buck parties, and gap year groups. Whether the group is travelling for leisure, business, or a special occasion, a single group policy can provide appropriate cover for all travellers.
Many insurers allow group policies to be purchased online for groups of up to 25 adults, with larger groups often able to be arranged by contacting the insurer directly. Cover can typically be extended to include children as well as adults, making group policies a flexible option for a wide range of travel party compositions.
Our group travel insurance comparison is completely free to use. You’ll be directed straight to the insurer’s website to complete your purchase at their direct price – no markups, no surprises.
key considerations
When purchasing a group travel insurance policy, the group organiser is responsible for answering all questions on behalf of every traveller in the group – whether or not the organiser is travelling themselves. This means you will need to collect the full name, date of birth, and complete medical history of every traveller before purchasing. If any traveller has a pre-existing medical condition, they may be required to complete a medical assessment before cover can be confirmed. It’s essential to gather this information upfront to avoid delays or gaps in cover.
Pre-existing medical conditions for every traveller in the group must be declared at the time of purchase. Failing to declare a condition – even for one group member – could invalidate the entire policy and leave that individual without cover if a related claim is made. Some conditions may be covered automatically, while others require a medical assessment or attract an additional premium. The group organiser is responsible for ensuring all conditions are disclosed accurately on behalf of the entire group.
Depending on the nature of your group trip, standard cover may not extend to all planned activities. Adventure sports, high-risk activities, and certain team sports may be excluded from standard group travel insurance policies. Always check the activity inclusions and exclusions of any policy you’re considering against your group’s planned itinerary before purchasing. And consider whether an additional activity add-on is required to ensure everyone is protected.
If your group consists of two adults travelling with children, a family travel insurance policy is likely a more appropriate and cost-effective option than a group policy. Family policies are specifically designed to cover two adults and their dependent children under a single premium. But if your group includes children who are not dependants of the two lead travellers, they would need to be insured separately, in which case a group policy may be the better fit.
Many insurers only allow group policies to be purchased online up to a maximum number of travellers – often 10 to 25 adults. If your group exceeds the online limit, you may need to contact the insurer directly to arrange cover for the additional members. It’s worth confirming the online purchase limit with your chosen insurer before beginning the quote process, particularly for larger groups.
Given that a group travel insurance policy covers multiple travellers simultaneously, the stakes of a coverage gap or exclusion are higher than with an individual policy. Always read the Policy Wording carefully before purchasing to ensure you understand exactly what is and isn’t covered for every member of the group – including any activity exclusions, age restrictions, and conditions applicable to pre-existing medical conditions.
further reading
Expert guides to help you make an informed decision about your travel cover.
Planning something adventurous? Find out which sports and activities NZ travel insurers actually cover (and which they don’t).
Read full guideget answers
This varies between insurers. Many providers allow group policies to be purchased online for groups of up to 10 to 25 adults, with larger groups often able to be arranged by contacting the insurer directly. When obtaining a quote through our comparison tool, simply enter the number of adults and children travelling to see which insurers can accommodate your group size and at what price.
Generally, yes – most group travel insurance policies offer discounts based on the number of travellers. Some insurers offer around five percent for groups of five or more, with discounts of ten percent for larger groups. The exact saving depends on the insurer, the destination, and the size of the group, so comparing quotes for both group and individual policies is the most reliable way to confirm the savings for your specific trip.
The group organiser is responsible for purchasing the policy on behalf of the group and for answering all questions at the time of purchase – whether or not they are personally travelling with the group. Before purchasing, the organiser must collect the full name, date of birth, and medical history of every traveller to be covered. If any traveller has a pre-existing medical condition, a medical questionnaire may be required before cover can be confirmed.
Yes, the group organiser can purchase a group policy on behalf of the group even if they are not personally travelling. The organiser is responsible for ensuring all travellers’ details and medical information are accurately declared at the time of purchase.
If your group consists of two adults travelling with their dependent children, a family travel insurance policy is typically the more appropriate and cost-effective option. Family policies are specifically designed to cover two adults and their dependants under a single premium. If your group includes children who are not dependants of the two lead adults (or if your group includes additional adults beyond two) a group policy is likely the better fit. Use our comparison tool to help determine which product best suits your travel party.
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