Group Travel Insurance

If you're off on your holidays with your loved ones, whether it's your family or friends, it's an incredibly exciting time. However, if you or any of your fellow travellers happen to have a pre-existing medical condition, it's highly advisable to explore the option of your entire group obtaining the same travel insurance policy.

This ensures that everyone is adequately covered and protected throughout your journey, granting you peace of mind and allowing you to fully immerse yourself in the delightful experiences that lie ahead.

Why should I consider a group travel insurance policy?

If you or a travelling companion has a pre-existing medical condition, such as high blood pressure or diabetes, it's important to ensure that everyone is covered by the same travel insurance policy. This not only provides more comprehensive coverage but also offers potential cost savings in the long run.

While you might initially consider saving money by covering healthy travellers on one policy and the traveller with medical conditions on a separate policy, this approach could leave you with a potential gap in your travel insurance coverage.

By having everyone insured on the same policy, your cancellation cover will also account for all travellers in relation to your travelling companion's medical condition. This provides great relief for those travelling with pre-existing medical conditions, as it guarantees peace of mind for both you and your friends or family, especially in case the condition should flare up around the time of your holiday.

Having all travellers covered on a single travel insurance policy ensures that the cancellation cover is comprehensive and takes into account the needs and potential risks associated with pre-existing medical conditions. It's a smart and practical approach to safeguarding your travel plans and ensuring that everyone can enjoy their holiday worry-free.

What if I'm the only one with a pre-existing condition?

The last thing you want is to be forced to cancel a long-awaited holiday with your dear friends or family due to your pre-existing medical condition. It can be truly disheartening for both you and your group to find out that, in such unfortunate circumstances, they will be unable to make a claim to recoup the cost of the trip.

Unfortunately, a separate travel insurance policy is unlikely to provide cover for cancellation specifically due to pre-existing medical conditions. This is because travel insurance providers typically do not have prior knowledge of your medical history and therefore cannot offer cover for such situations. It's always wise to have a backup plan in place to ensure peace of mind and protect yourself financially in case of unexpected events.

My friends/family already have cover elsewhere?

It's important to note that if your companion has recently purchased a policy within the last 14 days, they have the right to cancel and receive a refund, as long as they haven't travelled or made a claim.

It's also worth mentioning that the presence of multiple policies is not an issue; what truly matters is ensuring that your travel companions are adequately covered for any pre-existing conditions. This way, they won't be left out of pocket if they ever need to make a claim.

How do I add people to my travel insurance policy?

The most effective approach is to include your friends and/or family when you apply for and purchase your travel insurance policy, keeping things straightforward and hassle-free.

However, if you find yourself reading this and realising that you need to add your friends to your existing policy, don't worry! Just get in touch with your travel insurance provider and inquire about the possibility of adding them to your policy.

They will be able to guide you through the process and provide you with all the information you need to make the necessary adjustments. Remember, it's always better to be safe and ensure that everyone is adequately protected during your travels.

What’s the difference between group and family travel insurance?

Travel insurance providers typically define a family as a parent or parents travelling together with their child or children who are under 18 years old, for whom they are the legal guardians, and who all reside together in the same household.

This means that if your children are older or have already moved out, you may need to consider a group policy if you want to ensure that everyone is covered under the same insurance policy.

Taking this into account can help you make an informed decision when choosing the most suitable insurance coverage for your family's travel needs.

When should I not choose group travel insurance?

Sometimes, opting for individual travel insurance instead of group coverage may be more appropriate. It's important to note that if your group is not travelling altogether, then not all members of your group may be covered under the group insurance policy. Therefore, it is always recommended to carefully review the policy details to ensure everyone's protection.

Furthermore, if you have plans for other trips throughout the year without your group, it might be more cost-effective to consider an annual travel insurance policy rather than solely relying on group coverage. This way, you can enjoy comprehensive coverage for all your individual journeys, providing you with peace of mind throughout the year.