The Best Group Travel Insurance Plans in 2025

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A. Fruchard
A. Fruchard
updated on July 11, 2025
Table of Contents
  • The Best group Travel Insurance Plans
  • What is group travel insurance?
  • The price of group travel insurance
  • What Group Travel Insurance Covers
  • The conditions of group travel insurance
  • Why take out group travel insurance?
  • How to choose the right group travel insurance
  • Do my current insurance policies cover group travel insurance?
  • FAQ
  • On the same topic
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group travel insurance: key takeaways

1. Definition: Group travel insurance offers a single policy for multiple people, simplifying administration and often reducing individual costs.
2. Price: For a one-week trip to Europe, expect to pay between $60 and $110 CAD per person.
3. Coverage: It typically covers medical emergencies and trip cancellation but often excludes pre-existing conditions and high-risk activities.
4. Bank cards and health insurances: Provincial plans (OHIP, RAMQ) and credit cards offer very limited coverage for travel medical emergencies abroad.
5. Tips: Ensure medical and evacuation limits are high, and verify coverage for all planned activities and destinations.
6. Other useful info: For school groups, check for specific benefits like chaperone replacement and enhanced liability coverage for minors.

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Why trust HelloSafe ?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analyzing 41 travel insurance policies available in Canada, our experts share everything you need to know to choose the best group travel insurance.

The Best group Travel Insurance Plans

Here you will find a selection of the best options for group travel insurance in Canada. These plans are recognized for their high coverage limits, low deductibles, and clear simplified terms for group travellers.

Contract we recommendMedical reimbursementDeductibleAdvantages
HelloTravel Premium$1,000,000$0• Very high medical limits.
• No deductible on medical claims.
• Quick online quote and purchase.
• Worldwide 24/7 emergency support.
Cap Assistance 24/24$1,000,000$0• Telemedicine included.
• 24/7 multilingual assistance.
• Covers special activities.
• Flexible terms for group leaders.
Tourist Card$220,000$0• Fast claim handling.
• Coverage for trip cancellation.
• Emergency family assistance.
• Friendly for youth and school groups.
World Travel$1,000,000$75• Includes psychological support.
• Covers lost passports.
• Good for sports or adventure.
• Option for long stay.
Globe Partner$430,000$0• No upfront payment needed.
• Supports pre-existing conditions.
• Good for students or academics.
Globe Traveller$750,000$0• Long maximum trip length.
• Allows for flexible extensions.
• Multi-currency claims supported.
A comparison of recommended travel insurance contracts, highlighting their key features and benefits.
HelloTravel Premium
Medical reimbursement
$1,000,000
Deductible
$0
Advantages
• Very high medical limits.
• No deductible on medical claims.
• Quick online quote and purchase.
• Worldwide 24/7 emergency support.
Cap Assistance 24/24
Medical reimbursement
$1,000,000
Deductible
$0
Advantages
• Telemedicine included.
• 24/7 multilingual assistance.
• Covers special activities.
• Flexible terms for group leaders.
Tourist Card
Medical reimbursement
$220,000
Deductible
$0
Advantages
• Fast claim handling.
• Coverage for trip cancellation.
• Emergency family assistance.
• Friendly for youth and school groups.
World Travel
Medical reimbursement
$1,000,000
Deductible
$75
Advantages
• Includes psychological support.
• Covers lost passports.
• Good for sports or adventure.
• Option for long stay.
Globe Partner
Medical reimbursement
$430,000
Deductible
$0
Advantages
• No upfront payment needed.
• Supports pre-existing conditions.
• Good for students or academics.
Globe Traveller
Medical reimbursement
$750,000
Deductible
$0
Advantages
• Long maximum trip length.
• Allows for flexible extensions.
• Multi-currency claims supported.
A comparison of recommended travel insurance contracts, highlighting their key features and benefits.

The best group travel insurance choice will depend on your individual situation. Use HelloSafe’s travel insurance comparison tool to find the plan that fits you and subscribe directly online.

Compare the best travel insurance policies for freeI compare

What is group travel insurance?

Group travel insurance is a policy that provides unified travel coverage for a group of people, usually ten or more, travelling together on the same itinerary.
It is designed to make managing travel protection easier and more cost-effective, offering consistent benefits such as emergency medical care, trip cancellation, baggage protection, and personal liability, all in a single contract for the group.

Unlike individual or family plans, group travel insurance features collective pricing, eligibility requirements, and administrative simplicity appropriate for organizations, schools, or teams.

This insurance is sometimes offered as an optional add-on to standard travel insurance products.

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Expert advice

Here are the situations where purchasing group travel insurance is especially relevant for travellers from Canada:
- For school, college, or university trips with multiple students abroad.
- When a company sends multiple employees on a business trip.
- For sports teams or clubs travelling together for a competition.
- With volunteer or non-profit groups on a mission or project.
- For large family or friend groups travelling for a special event.
- To simplify insurance management for the designated group leader.
- To ensure all members have consistent and uniform travel protection.

The price of group travel insurance

On average, group travel insurance costs between 3% and 6% of the total price of your trip.

TripTrip costIndicative price per person
4 days in Toronto with a school group$900$25 to $50
7 days in Paris with a corporate team$2,200$65 to $120
2 weeks volunteering in Thailand$2,800$85 to $160
10-day Rockies tour with a youth club$1,600$45 to $90
4 days in Toronto with a school group
Trip cost
$900
Indicative price per person
$25 to $50
7 days in Paris with a corporate team
Trip cost
$2,200
Indicative price per person
$65 to $120
2 weeks volunteering in Thailand
Trip cost
$2,800
Indicative price per person
$85 to $160
10-day Rockies tour with a youth club
Trip cost
$1,600
Indicative price per person
$45 to $90

These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.

The price of your group travel insurance depends on several factors:

  • trip duration: longer trips generally cost more per person.
  • destination: countries with higher medical costs or increased risk lead to higher premiums.
  • age and health of travelers: older travelers or those with pre-existing conditions may pay more.
  • level of coverage: plans with higher medical limits, lower deductibles, or added options such as sports cover will increase the price.
  • group size: larger groups may benefit from group discounts, reducing the per-person cost.
Compare the best travel insurance policies for freeI compare

What Group Travel Insurance Covers

Group travel insurance is designed for people travelling together as part of an organized group. It offers a uniform set of protections for all members and is especially useful for school, corporate, or volunteer trips.

Covered guaranteeDefinitionExpert advice
📝 Trip cancellationRefunds non-refundable costs if you cancel for a covered reason before leaving Canada.A minimum of $2,000 per person with no deductible over $50 is best practice.
Events already known, change of mind, and visa refusal are typically excluded.
🎒 Baggage loss or theftCovers loss, theft, or damage of your luggage during the trip.At least $1,000 cover is recommended.
Do not accept a deductible above $50.
Unattended baggage and high-value items left unsecured are excluded.
🏥 Emergency medical expensesKey guarantee. Pays for urgent medical care, hospitalization, and ambulance costs abroad.No less than $1M per person, ideally $5M.
Deductible should not exceed $100.
Ongoing treatments, high-risk sports, and pre-existing conditions are excluded.
🚑 Medical repatriationKey guarantee. Pays for return to Canada if medically necessary after injury or illness abroad.Coverage should be unlimited or at least $250,000 with no deductible.
Insurer’s approval is usually required.
Refusal by medical team and voluntary returns are not covered.
🦷 Dental emergencyPays for urgent dental care caused by an accident during the trip.A minimum of $500 is appropriate, deductible kept below $50.
Routine dental care and ongoing dental issues are not covered.
🧳 Travel delayCompensation if travel is delayed for reasons outside your control.Seek at least $100 after 4 hours' delay.
No deductible advised.
Delays under 4 hours and unconfirmed reasons are usually excluded.
🛡️ Personal liabilityCovers accidental injury to others or damage to their property while abroad.Minimum $1M recommended, deductible under $100.
Damage to family or group property and intentional acts are usually excluded.
⚖️ Legal assistance abroadPays for lawyer fees or bail if you face legal trouble overseas.Minimum cover of $3,000 for legal expenses.
Bail of $7,500 is wise.
Alcohol-related or criminal acts are excluded.
💔 Trip interruptionRecovers lost costs if you need to cut your trip short for a covered emergency.At least $1,000 is recommended.
Avoid high deductibles.
Trips cut short for minor or voluntary reasons are excluded.
🧍‍♂️ Accidental death or injuryPays a lump sum for accidental death or permanent disability during the trip.At least $25,000 cover is good.
There should be no deductible.
Risks from war, suicide, or intoxication are excluded.
A detailed guide to travel insurance coverage, definitions, and expert advice.
📝 Trip cancellation
Definition
Refunds non-refundable costs if you cancel for a covered reason before leaving Canada.
Expert advice
A minimum of $2,000 per person with no deductible over $50 is best practice.
Events already known, change of mind, and visa refusal are typically excluded.
🎒 Baggage loss or theft
Definition
Covers loss, theft, or damage of your luggage during the trip.
Expert advice
At least $1,000 cover is recommended.
Do not accept a deductible above $50.
Unattended baggage and high-value items left unsecured are excluded.
🏥 Emergency medical expenses
Definition
Key guarantee. Pays for urgent medical care, hospitalization, and ambulance costs abroad.
Expert advice
No less than $1M per person, ideally $5M.
Deductible should not exceed $100.
Ongoing treatments, high-risk sports, and pre-existing conditions are excluded.
🚑 Medical repatriation
Definition
Key guarantee. Pays for return to Canada if medically necessary after injury or illness abroad.
Expert advice
Coverage should be unlimited or at least $250,000 with no deductible.
Insurer’s approval is usually required.
Refusal by medical team and voluntary returns are not covered.
🦷 Dental emergency
Definition
Pays for urgent dental care caused by an accident during the trip.
Expert advice
A minimum of $500 is appropriate, deductible kept below $50.
Routine dental care and ongoing dental issues are not covered.
🧳 Travel delay
Definition
Compensation if travel is delayed for reasons outside your control.
Expert advice
Seek at least $100 after 4 hours' delay.
No deductible advised.
Delays under 4 hours and unconfirmed reasons are usually excluded.
🛡️ Personal liability
Definition
Covers accidental injury to others or damage to their property while abroad.
Expert advice
Minimum $1M recommended, deductible under $100.
Damage to family or group property and intentional acts are usually excluded.
⚖️ Legal assistance abroad
Definition
Pays for lawyer fees or bail if you face legal trouble overseas.
Expert advice
Minimum cover of $3,000 for legal expenses.
Bail of $7,500 is wise.
Alcohol-related or criminal acts are excluded.
💔 Trip interruption
Definition
Recovers lost costs if you need to cut your trip short for a covered emergency.
Expert advice
At least $1,000 is recommended.
Avoid high deductibles.
Trips cut short for minor or voluntary reasons are excluded.
🧍‍♂️ Accidental death or injury
Definition
Pays a lump sum for accidental death or permanent disability during the trip.
Expert advice
At least $25,000 cover is good.
There should be no deductible.
Risks from war, suicide, or intoxication are excluded.
A detailed guide to travel insurance coverage, definitions, and expert advice.

Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.

To find the group travel insurance best suited to your group and trip, easily compare offers on HelloSafe.

The conditions of group travel insurance

To activate your group travel insurance and make your coverage effective, several main application conditions must be met.

  • Minimum group size: most insurers require at least 10 people enrolled together on the same policy.
  • Common travel dates: all insured members must travel together, on the same dates, for the policy duration.
  • Single booking: the trip must be organized and booked as a group, not as linked individual trips.
  • Residency requirement: all group members must be residents of Canada at the time of purchase.
  • No ongoing travel: the policy must be purchased before anyone in the group leaves Canada.
  • Full payment of premium: payment for the total group must be made in advance for coverage to begin.
  • Accurate member information: each participant’s name, age, and details must be provided correctly at the time of application.
  • Trip purpose limits: coverage is usually valid only for leisure, study, volunteering, or recognized events, not for paid work or business activities.
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Watch out!

A common myth with group travel insurance is that one policy covers everyone equally. In reality, an individual’s pre-existing medical condition can void their coverage if it doesn't meet the policy's stability clause. Each member must verify their personal eligibility to avoid unexpected gaps in protection.

Why take out group travel insurance?

While travelling as a group, unexpected health problems can lead to significant expenses, especially in countries with high medical costs.
Here are some examples of healthcare costs abroad:

Type of treatmentAverage costCovered by insurance
Foot sprain (X-ray and consultation)
  • Europe: $400 to $600
  • North America: $1,000 to $1,500
  • Asia: $200 to $350
Up to 100%, depending on policy
Stitches after a fall
  • Europe: $350 to $500
  • North America: $1,000 to $1,800
  • Asia: $150 to $250
Up to 100%, subject to policy limits
Consultation and treatment for intestinal infection
  • Europe: $300 to $500
  • North America: $900 to $1,400
  • Asia: $120 to $200
Usually 100%, after any deductible
Emergency tooth extraction
  • Europe: $350 to $800
  • North America: $1,100 to $2,000
  • Asia: $180 to $400
Often 50% to 80% of actual charges
Repatriation for medical reasons
  • Europe: $15,000 to $30,000
  • North America: $40,000 to $50,000
  • Asia: $18,000 to $25,000
Up to 100% if medically necessary
Average cost of common medical treatments and insurance coverage across different regions.
Foot sprain (X-ray and consultation)
Average cost
  • Europe: $400 to $600
  • North America: $1,000 to $1,500
  • Asia: $200 to $350
Covered by insurance
Up to 100%, depending on policy
Stitches after a fall
Average cost
  • Europe: $350 to $500
  • North America: $1,000 to $1,800
  • Asia: $150 to $250
Covered by insurance
Up to 100%, subject to policy limits
Consultation and treatment for intestinal infection
Average cost
  • Europe: $300 to $500
  • North America: $900 to $1,400
  • Asia: $120 to $200
Covered by insurance
Usually 100%, after any deductible
Emergency tooth extraction
Average cost
  • Europe: $350 to $800
  • North America: $1,100 to $2,000
  • Asia: $180 to $400
Covered by insurance
Often 50% to 80% of actual charges
Repatriation for medical reasons
Average cost
  • Europe: $15,000 to $30,000
  • North America: $40,000 to $50,000
  • Asia: $18,000 to $25,000
Covered by insurance
Up to 100% if medically necessary
Average cost of common medical treatments and insurance coverage across different regions.

Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.

In addition to medical protection, group travel insurance often includes useful options: trip cancellation, interruption or delay, lost or stolen baggage, civil liability, repatriation and 24/7 assistance services that support the whole group while travelling.

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Good to know

Provincial plans won't cover you fully abroad. A single emergency can derail the trip for everyone. Group insurance protects against high medical bills and trip cancellations at a discounted rate. A policy like Cap Group ensures everyone travels with peace of mind, from start to finish.

How to choose the right group travel insurance

Coverage limits, policy conditions and reimbursement rules vary widely among group travel insurance offers. That is why it is essential to compare key criteria to find policies that match the needs and makeup of your group.

CriterionWhy it mattersExpert tip
💶 Reimbursement limitsIf limits are too low, some group members could face expensive uncovered bills for emergencies abroad.Select at least $1,000,000 emergency medical coverage for every participant, regardless of group size.
📉 DeductibleDeductibles can impact how much individuals pay up front if they claim.Opt for low or zero deductibles so no participant faces a large personal bill following a claim.
📄 Group eligibilityPolicies often require a minimum group size and may exclude certain members (age, relationship).Check eligibility requirements and ensure all your group members qualify before purchase.
👨‍👩‍👦 Group profileNeeds differ if your group consists of children, seniors or combines multiple families or organizations.Choose policies offering tailored benefits, like child escort, leader replacement, or special group administration.
📆 Trip durationSome plans only cover single trips or limit the length of coverage for a group policy.For longer or recurring journeys, look for extended group plans or annual options to save money and ensure cover.
🌍 Geographic areaPrices and protections vary for travel to Europe, the USA, Asia or within Canada.Confirm that all planned destinations are covered, including any stopovers or multi-country itineraries.
🛡️ Existing coverageMembers’ personal insurance or bank cards might have some overlap or limitations.Ask each participant about their current insurance so you can fill any gaps and avoid duplicate coverage.
🧗 Planned activitiesRisk sports, volunteering or school trips might be excluded unless declared to the insurer.Always declare all activities, such as sports, volunteering or teaching, to secure valid protection for the group.
🔍 Price and offer comparisonNot all group policies offer the same value, even if premiums look similar at first glance.Use online comparison tools to check coverage details, premium levels and admin support for group leaders.
Key criteria for choosing group travel insurance.
💶 Reimbursement limits
Why it matters
If limits are too low, some group members could face expensive uncovered bills for emergencies abroad.
Expert tip
Select at least $1,000,000 emergency medical coverage for every participant, regardless of group size.
📉 Deductible
Why it matters
Deductibles can impact how much individuals pay up front if they claim.
Expert tip
Opt for low or zero deductibles so no participant faces a large personal bill following a claim.
📄 Group eligibility
Why it matters
Policies often require a minimum group size and may exclude certain members (age, relationship).
Expert tip
Check eligibility requirements and ensure all your group members qualify before purchase.
👨‍👩‍👦 Group profile
Why it matters
Needs differ if your group consists of children, seniors or combines multiple families or organizations.
Expert tip
Choose policies offering tailored benefits, like child escort, leader replacement, or special group administration.
📆 Trip duration
Why it matters
Some plans only cover single trips or limit the length of coverage for a group policy.
Expert tip
For longer or recurring journeys, look for extended group plans or annual options to save money and ensure cover.
🌍 Geographic area
Why it matters
Prices and protections vary for travel to Europe, the USA, Asia or within Canada.
Expert tip
Confirm that all planned destinations are covered, including any stopovers or multi-country itineraries.
🛡️ Existing coverage
Why it matters
Members’ personal insurance or bank cards might have some overlap or limitations.
Expert tip
Ask each participant about their current insurance so you can fill any gaps and avoid duplicate coverage.
🧗 Planned activities
Why it matters
Risk sports, volunteering or school trips might be excluded unless declared to the insurer.
Expert tip
Always declare all activities, such as sports, volunteering or teaching, to secure valid protection for the group.
🔍 Price and offer comparison
Why it matters
Not all group policies offer the same value, even if premiums look similar at first glance.
Expert tip
Use online comparison tools to check coverage details, premium levels and admin support for group leaders.
Key criteria for choosing group travel insurance.
Compare the best travel insurance policies for freeI compare

Do my current insurance policies cover group travel insurance?

It is reasonable to ask if your current insurance, such as credit card benefits or public health coverage, can provide you with group travel insurance, but unfortunately, this is usually not the case.
Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceGroup travel insurance included?What it coversWhy Travel Insurance is better
Public health insurance (OHIP, RAMQ, MSP, etc.)NeverPays limited emergency medical costs abroad, often only up to $400 per day.
No repatriation, trip cancellation, baggage, or liability is included. Guaranteed amounts are much too low.
Travel insurance offers up to $10,000,000 for medical and repatriation plus cancellation and baggage coverage.
Private health insurance (Manulife, Blue Cross)Almost NeverSome emergency medical and evacuation for travel, often up to $1,000,000–$5,000,000 per trip.
No group trip cancellation, baggage, personal liability, or group accident coverage.
Travel insurance can add group trip cancellation up to $10,000 and liability up to $2,000,000.
Classic credit card (TD, RBC)NeverMay include emergency medical or baggage for individual short trips, limits rarely over $2,000 for trip delay, $1,000 baggage.
No group coverage for medical, repatriation, or liability.
Travel insurance covers all group members with up to $1,000,000 medical and real group event coverage.
Premium credit card (CIBC Aventura, BMO World Elite)Limited coverageIndividual emergency medical (up to $5,000,000 but usually short duration), trip interruption $2,500.
No group trip cancellation, liability, or extended travel for group events.
Travel insurance adds group-wide cancellation, personal liability, higher baggage limits and coverage for all members.
Public health insurance (OHIP, RAMQ, MSP, etc.)
Group travel insurance included?
Never
What it covers
Pays limited emergency medical costs abroad, often only up to $400 per day.
No repatriation, trip cancellation, baggage, or liability is included. Guaranteed amounts are much too low.
Why Travel Insurance is better
Travel insurance offers up to $10,000,000 for medical and repatriation plus cancellation and baggage coverage.
Private health insurance (Manulife, Blue Cross)
Group travel insurance included?
Almost Never
What it covers
Some emergency medical and evacuation for travel, often up to $1,000,000–$5,000,000 per trip.
No group trip cancellation, baggage, personal liability, or group accident coverage.
Why Travel Insurance is better
Travel insurance can add group trip cancellation up to $10,000 and liability up to $2,000,000.
Classic credit card (TD, RBC)
Group travel insurance included?
Never
What it covers
May include emergency medical or baggage for individual short trips, limits rarely over $2,000 for trip delay, $1,000 baggage.
No group coverage for medical, repatriation, or liability.
Why Travel Insurance is better
Travel insurance covers all group members with up to $1,000,000 medical and real group event coverage.
Premium credit card (CIBC Aventura, BMO World Elite)
Group travel insurance included?
Limited coverage
What it covers
Individual emergency medical (up to $5,000,000 but usually short duration), trip interruption $2,500.
No group trip cancellation, liability, or extended travel for group events.
Why Travel Insurance is better
Travel insurance adds group-wide cancellation, personal liability, higher baggage limits and coverage for all members.
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Expert advice

Bank card and provincial health plans often exclude trip interruption due to a relative’s illness or death. Read your policy conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.

FAQ

Is group travel insurance mandatory?

Group travel insurance is not always mandatory, but some countries or organizations may require it for entry or participation, especially for student or volunteer groups. Even when not required, having insurance is strongly recommended, for example on a school trip to the United States or Europe, where unexpected medical bills or trip cancellations can lead to significant expenses. Group insurance ensures all members are protected equally and helps avoid costly emergencies abroad.

When is it recommended to purchase group travel insurance?

It is recommended to purchase group travel insurance as soon as your trip is confirmed and deposits are paid. Buying early allows you to benefit from trip cancellation coverage immediately and ensures all group members are protected against unforeseen events before and during the journey. Coverage should be in place before any payments or bookings become non-refundable for maximum financial protection.

How do I purchase group travel insurance?

To purchase group travel insurance, start by comparing policies and prices through HelloSafe’s travel insurance comparison platform to find the best plan for your group’s needs. Next, carefully check guarantees and exclusions, making sure the conditions are suitable for your group’s size and activities. Once a plan is chosen, complete the purchase online, and you will receive a certificate of insurance for immediate proof and protection.

Can I purchase group travel insurance after booking?

Yes, you can purchase group travel insurance after booking your trip, but it is best to buy as soon as possible to maximize coverage. Early purchase means you are protected against cancellations, medical emergencies, or other unforeseen events that could arise before departure. Some insurers may have restrictions on coverage if insurance is purchased close to the departure date, so check policy conditions.

How do I make a claim with group travel insurance?

To make a claim, contact your insurer’s claims department as soon as possible, providing the policy number and all relevant details about the incident. Gather supporting documents such as receipts, medical reports, or police statements if needed. Most insurers allow submission online or via a mobile app for faster processing. The group leader may be asked to coordinate the claim and communicate with all group members involved.

Does group travel insurance cover COVID-19 or pandemic-related disruptions?

Most modern group travel insurance policies include certain coverages related to COVID-19, such as emergency medical care, quarantine expenses, or trip cancellation/interruption due to illness. It is important to carefully review the policy details and any exclusions for pandemic events. Coverage levels and requirements can vary, so confirm with the insurer before purchasing to ensure the policy meets the needs of your group.

Are pre-existing medical conditions covered under group travel insurance?

Coverage for pre-existing medical conditions varies by insurer and policy, and it may be excluded or require a stability period before travel. Some insurers offer limited protection or allow you to purchase optional coverage for such conditions. It is essential to declare all pre-existing conditions for each group member before purchasing insurance and to understand any restrictions that may apply.

Is group travel insurance mandatory?

Group travel insurance is not always mandatory, but some countries or organizations may require it for entry or participation, especially for student or volunteer groups. Even when not required, having insurance is strongly recommended, for example on a school trip to the United States or Europe, where unexpected medical bills or trip cancellations can lead to significant expenses. Group insurance ensures all members are protected equally and helps avoid costly emergencies abroad.

When is it recommended to purchase group travel insurance?

It is recommended to purchase group travel insurance as soon as your trip is confirmed and deposits are paid. Buying early allows you to benefit from trip cancellation coverage immediately and ensures all group members are protected against unforeseen events before and during the journey. Coverage should be in place before any payments or bookings become non-refundable for maximum financial protection.

How do I purchase group travel insurance?

To purchase group travel insurance, start by comparing policies and prices through HelloSafe’s travel insurance comparison platform to find the best plan for your group’s needs. Next, carefully check guarantees and exclusions, making sure the conditions are suitable for your group’s size and activities. Once a plan is chosen, complete the purchase online, and you will receive a certificate of insurance for immediate proof and protection.

Can I purchase group travel insurance after booking?

Yes, you can purchase group travel insurance after booking your trip, but it is best to buy as soon as possible to maximize coverage. Early purchase means you are protected against cancellations, medical emergencies, or other unforeseen events that could arise before departure. Some insurers may have restrictions on coverage if insurance is purchased close to the departure date, so check policy conditions.

How do I make a claim with group travel insurance?

To make a claim, contact your insurer’s claims department as soon as possible, providing the policy number and all relevant details about the incident. Gather supporting documents such as receipts, medical reports, or police statements if needed. Most insurers allow submission online or via a mobile app for faster processing. The group leader may be asked to coordinate the claim and communicate with all group members involved.

Does group travel insurance cover COVID-19 or pandemic-related disruptions?

Most modern group travel insurance policies include certain coverages related to COVID-19, such as emergency medical care, quarantine expenses, or trip cancellation/interruption due to illness. It is important to carefully review the policy details and any exclusions for pandemic events. Coverage levels and requirements can vary, so confirm with the insurer before purchasing to ensure the policy meets the needs of your group.

Are pre-existing medical conditions covered under group travel insurance?

Coverage for pre-existing medical conditions varies by insurer and policy, and it may be excluded or require a stability period before travel. Some insurers offer limited protection or allow you to purchase optional coverage for such conditions. It is essential to declare all pre-existing conditions for each group member before purchasing insurance and to understand any restrictions that may apply.

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A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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