Compare Group Travel Insurance

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.