Planning a trip with friends or colleagues? Our group travel insurance keeps everyone protected. From medical emergencies to lost luggage, this policy covers the whole group. Plus, you’ll enjoy the added benefit of savings when everyone is on the same policy.
What is group travel insurance and do you need it?
Group travel insurance is a policy designed to cover multiple people travelling together. Whether you’re travelling with friends, family, or colleagues, everyone in your group is covered under one plan. It’s more convenient than purchasing single policies and might save you money.
Group travel insurance protects you all against trip cancellations, medical emergencies, lost belongings, and more. Plus, managing your cover is easier, with all the necessary details in one place.
Here are some reasons why group travel insurance is essential:
Pre-existing medical conditions. We’ll consider all pre-existing medical conditions for each member of your group. Just declare them during the application process, so no one is left without cover if an issue arises.
Travel cancellations. If anyone in your group falls ill or can’t travel, you’re covered for prepaid costs like flights, hotels, or tours.
Lost or stolen belongings. Passport loss or stolen wallets can be worrying and frustrating. We’ll cover the costs and help replace important items quickly. This is especially important considering 36% of people lose items while commuting.
Emergency medical treatment. Accidents can happen to anyone in the group, whether it’s a fall while hiking or an unexpected illness. Your travel insurance will cover emergency medical expenses so you can focus on getting help.
Repatriation costs. Someone in your group may need to be flown home due to illness or injury. If this happens, we’ll cover repatriation costs. Without insurance, this can be a costly expense. Repatriation can range from £6000 to over £20,000 from Spain to the UK. Plus, these expenses won’t be covered by your GHIC card especially for larger groups.
Cancelled or delayed flights. Missed connections or flight cancellations? No problem. We’ll cover any extra rebooking fees or overnight accommodation costs for the entire group.
Is your travel party heading on a short trip in the UK? Or perhaps a long-haul adventure abroad? Whatever your holiday style, group travel insurance protects you all.
Before you buy, read our policy wording. That provides full terms and conditions, including what is and isn’t included with our cover.
What does group travel insurance cover?
What’s covered?
Our group travel insurance includes:
Medical emergency expenses.
Cover for cancellation of your trip.
Our24-hour emergency assistance team, available to call, day or night, wherever you are.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions.
What’s not covered?
Each provider will have different things it can or cannot include in a policy. However, there are some situations travel insurance will not cover. For example:
You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
All of our travel insurance policies include cover for cancellation of your trip. There may, however, be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
The best travel insurance for groups
Planning a group getaway? Perhaps it’s a family trip, a friends’ adventure, or a big celebration abroad. You’re all covered for unexpected costs with our group travel insurance. From medical emergencies to lost luggage, the right cover lets you focus on enjoying the trip together.
Here’s a look at some of the extras you can add:
City hopping or cultural tours? Our group insurance covers all members in one plan. You can even add gadget cover to protect everyone’s phones, cameras, or tablets during your travels.
Hitting the slopes or hiking? Add winter sports cover if your group plans to ski or snowboard. Everyone is insured no matter their experience level.
Cruising as a group? Cruise cover helps with any delays or missed ports, so your entire group stays protected at sea.
Planning several trips this year? With annual multi-trip cover, your group can travel as much as you like. There’s no need to buy separate policies each time.
Thrill-seekers in your group? We’ll cover everyone for extreme sports. This includes rock climbing, skydiving, or more adventurous activities.
Whatever your group’s plans, we offer flexible cover options to suit every kind of adventure. Check our policy wording to see exactly what’s included.
How to book travel insurance for your group
Booking group travel insurance is easy. Here’s how it works:
Tell us a few details about your trip
Let us know where and when you’re going, and who you’re travelling with. Then tell us about any pre-existing medical conditions you wish to cover.
We’ll show you your quote, then all you have to do is decide if you want to buy it now or save it for later.
“Planning a group hiking trip through the mountains or a cruise with friends? Our group travel insurance can cover everyone under the same policy. Whether it’s a medical emergency, lost luggage, or a delayed flight affecting your plans, with InsureandGo your whole group can focus on the fun, knowing you’re protected from unexpected costs..”
“I have used InsureandGo for every trip I have taken. They are not only good value for money but also easy to understand. And they cover all “extras” that may need to be used. I have used for single, multi trip and for single, couple, family or group cover.”
Travel insurance for groups with pre-existing medical conditions
Travelling with friends or family who have pre-existing medical conditions can add some concerns. That’s why our group travel insurance is here to support you. Whether someone in your group has diabetes, heart issues or asthma, we’ll work to include it in your policy. Then everyone can focus on the trip, not the “what ifs.”
We cover medications and special care needs. We even cover potential travel delays as a result of a medical condition. Our policy can also help with urgent needs, like replacing lost prescriptions or accessing local medical help.
Our quick online medical screening makes getting a quote easy. Just be sure to declare all pre-existing medical conditions before you go. This ensures you’re covered for any unexpected events related to them.
Frequently Asked Questions on group travel insurance
What is considered a group for travel insurance?
Generally, a “group” means 3 or more people travelling together under the same policy. Group travel insurance is ideal for friends, families, or colleagues who plan to travel together. It offers a more streamlined and often cost-effective way to travel.
Can I travel separately on group travel insurance?
Yes, most group travel insurance policies allow members to travel separately. Each person is covered individually. If one member arrives later or departs earlier than others, they’re still covered for their portion of the trip.
How does group travel insurance work?
Group travel insurance provides comprehensive cover for multiple travellers on a single policy. Each group member is covered for key areas such as medical emergencies, trip cancellations, lost luggage, and more. It’s a practical option for managing and getting cover for everyone in the group.
How much does group travel insurance cost?
The cost of group travel insurance depends on several factors. These include your destination, trip duration, and any pre-existing conditions among group members. Here’s what we consider when tailoring your quote:
We’ll also need to factor in:
The level of policy cover you go for
Ages of those in the group
Whether you want an annual or single trip policy
Additional cover options like winter sports
Any policy add-ons you or another member of the group need
Am I better off getting group travel insurance or individual?
Group travel insurance is often easier to manage than many individual policies. However, it’s best to compare both options if some group members have unique needs. Some single policies may offer more personalised cover. We can provide the best policy and quote for the needs of your group when you get in touch.
Do groups have to have the same address for group travel insurance?
No, members of a group travel insurance policy do not usually need to share the same address. It’s available for people travelling together, regardless of where they live.
Is it cheaper to get travel insurance as a group?
In most cases, yes. Group travel insurance often provides better value than individual policies for each member. The more people there are in the group, the more group travel insurance makes sense.
Family vs. group travel insurance: What’s the difference?
Family travel insurance typically covers immediate family members. This includes parents and children, under one policy. Group travel insurance is more flexible, covering friends, colleagues, or extended family members. Group policies also work well if the travellers are a mix of family and non-family members.
Who can buy an InsureandGo group travel insurance policy?
Our group travel insurance is open to all UK residents meeting the following requirements:
Have lived in the UK or the Channel Islands for at least six of the last 12 months.
Be in the UK when purchasing the policy.
Ensure all trips begin and end in the UK.
Travel insurance guide
Frequently asked questions
If you’ve got more questions about how our group travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.
Travel insurance reviews
If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.
* Discount excludes any premium generated to cover medical conditions or optional extras. This offer cannot be used in conjunction with any other offer. Ends 31/12/25. Terms and conditions apply.
