Group Travel Insurance – By Group Size

Taking a group vacation with a large amount of people can be a great way to gather with friends and family. During the winter months of the year, a great option would be to head out to the mountains and take a group ski trip. If you are going to take a group ski trip, all guests may find that the entire vacation can take a bit of an investment. Due to this, getting a group travel insurance policy could be a great option. 
 
Benefits of Group Travel Insurance
 
Travel insurance is a great option to consider for any vacation. Since last minute changes to travel plans can impact your ability to travel, getting a travel insurance policy could give valuable coverage as it will help you to recoup your costs that went into booking the trip. With a group travel policy, all people will be on one travel policy. This makes it much easier to apply for and receive the insurance and will ensure everyone is reimbursed if the trip has to be cancelled for an approved cause.  
 
When is Group Travel Insurance a Good Idea? 
When you are looking for travel insurance by group size, you will normally find that it starts to make sense once your group size reaches five people or more. At this point, the travel provider will be willing to right a travel insurance policy. It will also help you to take advantage of a group discount. 
 
The overall travel insurance by group size will also have a big impact on your total cost for the insurance. Generally, the larger the group, the more you can expect to save. Smaller groups can often save five percent or more off of the travel insurance costs. However, bigger groups could save even more on a per person basis. 

Types of Coverage for Group Travel Insurance

There are ample types of coverage for group travel insurance, but how do you know which policy is the best one for your trip? Travelling may come with a handful of risks, such as when you go for a first-time skiing adventure with a bunch of buddies. Here are a few coverage categories that you need to think about the next time you embark on a group trip.

Emergency Medical Cover
This type of travel cover provides emergency medical attention whenever a member of your group falls ill in a foreign country. For example, when you go skiing, you may hurt yourself. This policy caters for your medical expenses wherever you are.

Evacuation
If you are planning to travel to a relatively remote area with chances of losing your compass, it is wise to pay for an evacuation insurance cover. This policy will make sure that you and your friends can enjoy the adventure without the worry of getting stuck in an unknown destination. It will also ensure that in case of an internal security issue, your group will be safely evacuated.

Cancellation
When you form plans to visit a skiing destination outside your state with a couple of friends, you may likely have your flight canceled. It may occur due to workers’ strike or unexpected flight cancellation. However, with an exclusive cancellation cover, the expenses incurred when your trip fails to take off will be fully catered.

Interruption
Interruption policy is perhaps the most applicable among types of coverage for group travel insurance. It may occur due to reasons such as the death of a family member, natural disaster, illness, or even political instability in your home country. With a fully paid interruption cover, you don’t have to worry about losing the entirety of the money you invested in your group trip.

Baggage Coverage
This category of group travel insurance applies when your luggage is stolen, lost, or gets damaged. Therefore, your insurer is liable to pay for the expenses of any member’s lost baggage.

Missed Connection Coverage
It comes in handy when any of your group members miss a flight due to reasons entirely out of their control. When you subscribe to this type of cover, your insurer will provide reimbursement for any extra flight charges or any additional transportation costs.

Hazardous Pursuits Coverage

Standard Premiums
Ski travel insurance typically covers skiing, snowboarding, snowskating, snowblading,
telemark, snowmobiling, toboganning, cross country skiing, monoskiing, ice skating, and recreational racing
We also cover off piste skiing and snowboarding with or without a guide except where it is undertaken in designated unsafe areas or outside ski area boundaries. But in addition to these winter sports activities, some policies will cover other activities and hazardous pursuits. This includes things like:

Archery, Badminton, Baseball, Basketball, 3 Bungee Jumps, Canoeing, Cricket, Cycling, Golf, Jogging, Marathons, Netball, Orienteering, Parascending (over water), Rambling, Roller Blading, Inline Skating, Skate Boarding, Running (both Sprint and Long Distance), Safari, Scuba Diving – under 14 days (Qualified, max depth 30m), Snorkeling, Squash, Swimming, Tennis, Trekking (under 2,000m), Triathlons, Volleyball, Water Polo, Water Skiing, White/Black Water Rafting (Grades 1 – 4), Windsurfing and Yachting (both racing and crewing) inside territorial waters.

The following amateur activities may also be available with or without paying any additional premium:

Abseiling, Boxing Training, Camel / Elephant Riding or Trekking, Cycle Touring, Passenger (in Private/Small Aircraft or Helicopter), Football, Go Karting, Hiking (over 2,000m but under 6,000 m), Hockey, Horse Riding (not Polo, Hunting, Jumping), Hot-Air Ballooning, Jet boating, Jet Skiing, Kayaking, Motorcycling under 50cc (no Racing), Trekking (over 2,000m but under 6,000m).

Additional Premiums
The following amateur activities can be covered but typically require additional premiums and specific declarations.

Flying (piloting Private/Small Aircraft or Helicopter), Manual Labor (at ground level, no machinery), Martial Arts (training only), Motorcycling over 50cc (no Racing), Mountain Biking, Rugby, Scuba Diving – under 14 days (Unqualified, max depth 30m), Scuba Diving (Qualified, max depth 40 meters) over 14 days, Sea Canoeing, Surfing, Gliding, Paragliding, Parachuting, Parascending (over land), Sand Yachting, Sky Diving, White/Black Water Rafting (Grade 5 to 6), Yachting (Racing or Crewing) outside territorial waters, Canyoneering, Hang-Gliding, High Diving, Horse Jumping, Parasailing, Rock Climbing, Rock Scrambling.

Any activity not listed above (or any of the above sports on a professional basis), which could be considered a hazardous activity, sport, pastime or employment (involving an increased risk of injury), may not be covered under the policy unless specifically declared to, and accepted by, the issuing agent at the time of taking out the policy in return for additional premium.

General Safety Tips

Ski Travel Insurance has put together a snow safety guide, which contains important basic ski and snowboarding safety information for your education. Dangers exists in every type of skiing and snowboarding be it learning, freestyling, freeriding off piste, or just plain on-piste cruising. While the risks all vary according to where, what, when and how you are skiing or snowboarding, take some time out to get savvy. Be aware – that way you’ll be on the snow more and hurting less! Remember also that reading is informative, but it is no substitute for proper training and experience.

Basic Safety Information
As a general rule, you ski or snowboard at your own risk. Learn to ski or snowboard by getting proper, qualified instruction. Consider wearing a helmet. It is mandatory in certain competition disciplines and for children at most resorts. Always check your equipment before you go out and make sure it’s all in good order. Check all available weather and avalanche reports in resort before going up the mountain. Leashes are mandatory in some resorts for snowboarders – always make sure you have one available.

Pay attention to all signs and markers and obey all directives – they are for your safety. Be careful on all the lift systems – many accidents happen here especially when getting off. Watch out for piste machines – they hurt! It is essential to look carefully to right and left when changing direction. Inexperienced skiers or snowboarders should only ski/snowboard on marked runs. These are protected from alpine dangers (e.g. avalanches and unexpected precipices). Areas outside the marked pistes and itineraries are not protected from alpine hazards. The areas outside the marked runs are not normally patrolled or groomed. If you are wishing to go off-piste you should get suitable training.

Hiring a trained professional guide is the safest way to ski/snowboard off-piste until you have gained the right level of experience. They’ll save you time and take you to the best spots. Go as a group and you’ll save money. Never ski/snowboard off-piste alone. Peer pressure can be dangerous. If you’re not sure, or uncomfortable, don’t do it! Make sure someone knows where you are going and when you’re likely to be back.

Take a mobile phone with you and enter the local emergency numbers. It may just help you avert a disaster! Please note however that currently there are substantial concerns about electronic items interfering with avalanche transceivers and therefore the ability to locate an avalanche victim quickly and successfully. It is currently recommended that mobile phones are switched off and only used when necessary when skiing/ snowboarding backcountry as recent research has shown them to interfere with both analogue and digital transceivers.

Respect nature – take care not to ski or snowboard in areas where young trees will be damaged or wildlife disturbed. Don’t shout and holler at 3am down the middle of the street except under exceptional circumstances. Don’t drop litter and leave everything as found. The mountains are not a personal landfill site and should be treated with the care and respect they deserve.

Basic First Aid
This guide contains general advice for skiers and snowboarders on basic first aid procedures which can be used in an emergency. It is not, however, a substitute for formal or professional training. Assess the general condition of the casualty and seek expert help.

ABCs
Remember the ABCs of first aid:

  • Airway – check it is clear
  • Breathing – check for breathing
  • Circulation – check for pulse

Next Steps

  • Cover any wound and apply firm pressure
  • Provide warmth
  • Give nothing to eat or drink – especially alcohol

Contact the Authorities Stay Alert
Contact the rescue service immediately and give them the following details.

  • Location and/or piste name (nearest piste marker).
  • Number of people injured and type of injury.
  • Establish the facts of the accident, names and addresses of people involved and of witnesses.
  • Note the place, time and circumstances of the accident, terrain, snow conditions and visibility.
  • Take photographs if possible.
  • Remember markings and signs.
  • Report to the piste patrol as soon as possible.

 

Single Trip Vs Multiple Trip Ski Insurance

Going away on holiday or a short break? No one wants the unexpected to happen when they go abroad, but unfortunately there is no such thing as a totally risk-free winter sports holiday. Last year, there were more than 400,000 travel insurance claims by holiday and business travelers, according to the Association of British Insurers.

Ski travel insurance and snowboarding insurance is not so much an optional extra as an
integral part of any winter sports break. Our specialist winter sport ski travel insurance and snowboarding insurance policies cover the obvious problems, such as an accident or an illness, a stolen wallet or purse. Our insurance also provides cover for all your ski and snowboarding equipment.

Ski Travel Insurance also provide compensation for delays and cancellation, for damaged or lost luggage, and even a telephone help line for emergencies. Off piste ski and snowboarding is covered with our ski travel insurance and snowboarding insurance policies.

Planning more than one trip away?
The advantage of a multi trip travel insurance policy is that there is no need to worry about arranging cover for each journey you take and it’s usually better value than buying individual policies for two or three trips a year. A multi-trip travel insurance policy allows you to travel as many times in the year as long as each trip is not longer than 45 days. Up to 17 days ski insurance and snowboarding insurance is included free with most annual travel policies. However, if you’re going to be skiing or snowboarding for more than 17 days, you can either purchase a single trip or long-stay ski insurance and snowboarding insurance policy for each trip.

All winter sport activities can be covered, even heli – skiing / boarding. This is the home of the ski insurance and snowboarding insurance specialist. Multi trip travel insurance and ski insurance and snowboarding insurance is also backed by the largest insurance carriers. Multi trip travel insurance including ski insurance and snowboarding insurance is an even better deal for families. Insurance for a couple will be cheaper than for two single adults and cover for a family with children under 18 is not usually much more expensive than cover for a couple. Do watch, though, for restrictions on how the cover works.

Some family travel policies only cover the family if everyone travels together. The best policies will cover each adult travelling on his or her own, and even unaccompanied trips by the children.

What type of policy is best? 
The simplest way to buy ski travel insurance and snowboarding insurance might seem to be through a travel agent or tour operator. Sometimes, these policies are free, but where they are not free they can be expensive. Travel agents are no longer allowed to insist that holiday makers book ski travel insurance and snowboarding insurance through them and it’s almost always possible to find a better deal by shopping around.

The traditional way to buy ski travel insurance and snowboarding insurance is to take out cover for each trip and this is usually how tour operators sell their cover. If you only make one or possibly two trips abroad a year, this might be the best option. A growing number of travelers, however, are opting for annual travel insurance that include ski travel insurance and snowboarding insurance cover. An annual travel insurance policy may provide up to 17 days ski insurance and snowboarding insurance cover at no extra cost.

 

Backpackers and Adventure Travel Insurance

Backpackers Travel Insurance
For many people, especially students, backpacking is the only way to travel. It gives you the chance to really experience the culture of the countries you visit, whether it’s the US, Mexico, Canada, South America, Europe, Australia, Asia or the rest of the world. So make sure you’re covered with backpackers travel insurance. Understandably, when planning a backpacking adventure, the first thing most travelers do is think about where they want to go. But arranging decent backpackers travel insurance is also crucial. Why? Think about what can happen while you’re abroad. Hopefully it’ll be an adventure, but you’ll be visiting strange places where you may not even speak the language.

If you have the right backpackers travel insurance, you’ll be confident of knowing that should you fall ill or have an accident you’ll be able to get the necessary medical treatment you need. Not every country has a free health service and you could find yourself facing a hefty medical bill if you fall ill abroad without backpackers travel insurance. There’s also the risk of losing your personal possessions or having them stolen. Insurance will allow you to replace them or will ensure that a loss doesn’t become a financial crisis too.

We offer all-inclusive backpackers travel insurance, trip cancellation insurance and holiday insurance. Other features include temporary car insurance, health insurance, medical insurance and prescription services. Backpackers travel insurance and holiday insurance is good for all backpackers and people backpacking around the world, whether you have taken a gapyear and taking time out from your business or just a holiday, vacations, working abroad or studying abroad as a student.

Adventure Travel Insurance

For many people, especially students, adventure travel is the only way to explore. If you have the right adventure travel insurance, you’ll be confident of knowing that should you fall ill or have an accident you’ll be able to get the necessary medical treatment you need. Adventure travel insurance and holiday insurance is good for all adventure travel and people exploring around the world, whether you have taken a gapyear and taking time out from your business or just a holiday, vacations, working abroad or studying abroad as a student. Adventure travel insurance can also be bought online worldwide – International Adventure Travel Insurance Policies, International Travel Protection as well as International Medical Insurance, Emergency Evacuation and Travel Protection Plans.

Insure yourself against accident, sickness, lost luggage, trip cancellation, and baggage loss. Coverage is available worldwide, and the cover is second to none. Adventure travelers can also get an international assistance card, which doubles up as an international phone card if required. Backpackers can also receive a card that will provide them with discounts in hostels and adventure sports around the world.

Insure yourself against accident, sickness, lost luggage, trip cancellation, and baggage loss. We provide backpacking and adventure travel insurance for the world. Insurance can be bought online worldwide – International Backpackers Travel Insurance Policies, International Travel Protection as well as International Medical Insurance, Emergency Evacuation and Travel Protection Plans.

Ski Travel Insurance Policy Coverage

Do you race, train or compete on the snow? All skiers and snowboarders need insurance. Simple but it’s amazing how many people don’t get the correct level of coverage for the activities they are undertaking. If you’re unlucky enough to have an accident, lose or damage expensive equipment, fall ill or cause injury to others and do not have insurance, you may potentially be faced with massive bills that you’ll be responsible for paying. So, keep it easy and get covered.

However, if you ski/ride competitively and/or participate at organized training camps anywhere you’ll need to get a specialist policy. This is because the risks are obviously much greater and therefore you won’t be covered by a standard winter sports policy. These policies are only available through specialist insurance carriers. For the recreational competitor, standard policies will cover you for fun races and events if you want to try one on holiday.

You can get insurance that covers skiing, snowboarding, snowskating, snowblading,
telemark, snowmobiling, toboganning, cross country skiing, monoskiing, ice skating, and recreational racing. We also cover off piste skiing and snowboarding with or without a guide except where it is undertaken in designated unsafe areas or outside ski area boundaries. They range all over, but here is what a typical policy coverage might look like:


Wintersports Policy
Single Trip Annual
Multi Trip
Long Stay Backpacking
Adventure
Emergency Medical $5,000,000 $5,000,000 $3,000,000 $3,000,000
Rescue & Repatriation $5,000,000 $5,000,000 $3,000,000 $3,000,000
Cancellation or Curtailment $3000 $3,000 $2,000 $2,000
Holiday Abandonment $3000 $3,000 $2,000 $2,000
Personal Accident $20,000 $20,000 $10,000 $15,000
Wintersports Equipment $500 $500 Nil $500
Ski Pack $300 $300 Nil $300
Piste Closure $20 per day up to $200 $20 per day up to $200 Nil $20 per day up to$200
Avalanche $250 $250 Nil $250
Ski Hire $200 $200 Nil $200
Student Loan Repayment Nil Nil Nil $5000
Baggage & Possessions $1500 $1500 $1000 $1000
Personal Money $500 $500 $200 $200
Personal Liability $2,000,000 $2,000,000 $2,000,000 $2,000,000
Legal Expenses $15,000 $15,000 $15,000 $15,000
Passport Indemnity $250 $250 $100 $250
Missed Departure $500 $500 $800 $1000
Delay & Abandonment $300 $300 $75 $250
Hospital Benefits $1,000 $1,000 Nil $500
Catastrophe $1,000 $1,000 Nil $500
Pet Care $200 $200 Nil Nil
Hijack $500 $500 Nil $500
Mugging Nil Nil Nil $400

General Travel Advice

Here is our general travel advice before you travel. Make sure all passports, visas any vaccinations and health requirements are up to date. Check on weather and travel news for your destination, especially if you’re traveling internationally and may not be as familiar with the local and regional rules. Many countries and locales will publish this type of information guide for travelers. This should carry all the latest up to date independent travel and health risks information.

Take all your ski or snowboard travel insurance documents with you. Keep them safe and handy. Take a separate note of your policy numbers in case of loss or damage to your certificate or policy cards. Also leave a copy at home with next of kin as a contingency.

At home lock all doors, windows, put a hold on the mail and extra deliveries. If possible, get a friend or neighbor to house-sit. Don’t take large quantities of cash. Take travelers’ checks and/or credit cards, and don’t forget most travel insurance policies have single article limits. Make sure you have with you the emergency numbers to cancel your credit cards. Don’t forget an appropriate electrical adaptor for the country you’re travelling too. You’ll need one to power any electrical items you have with you.

Taking a small first aid kit is a good idea, as is a basic sewing kit, ski or snowboard wax. Take multi-tool, edge file, and wax scraper, too, if you have them. It will save you time and money. Always keep up to date with your ski, snowboard and mountain safety education. Print a copy if required and keep for reference.

When you are traveling or on holiday 
Be aware of the latest airline and travel security measures. Allow plenty more time for check in and be careful when packing any carry-on bags. Travelers are advised to keep hand baggage to a minimum and not to carry any sharp items, including scissors or penknives in hand baggage or on their person – these can be carried in hold baggage. Don’t leave your home address visible on your baggage. Keep all valuables, passports and money on you. Never pack these items in checked in baggage. Keep your ski and snowboard insurance documents or policy cards with you.

When you get to your destination
Take time to acclimate to the altitude and be careful when moving around. Many have ended a trip before even getting to the slopes by falling over on icy walkways, roads and stairs. Find out where all the main services are such as law enforcement, medical centers, mailing services, etc. Check that the electrical fittings and heaters in your hotel room are safe. Check that the tap water is safe to drink – not usually a problem in Western resorts. If unsure, drink bottled water and avoid ice drinks.

Never leave belongings unattended or with strangers, especially at airports, stations, in resort, on the slopes or unattended in a vehicle. Be aware of potential equipment theft from areas such as lift systems, mountain restaurants, cable cars, car parks and especially in resort at the end of the day. Always keep an eye on your equipment. At your hotel, keep valuables and cash in a safe deposit box or in the hotel safe.

Please remember that you must obtain a police report in the event of any loss or theft. Original documents are required in order to settle your claim. Please make sure you photocopy them before you send them to the claim adjustors. Check with the lift pass office and/or local papers for any special offers on passes – if you’ve not pre-booked – and other local services which may save you time and money.

Be warned that the effects of alcohol increases with altitude so take it easy if you want to get up and stay up on the slopes in the mornings. Finally, enjoy the mountains, your trip and the snow!

Annual and Long-Stay Ski Travel Insurance and Snowboarding Insurance

The advantage of an annual travel insurance policy is that there is no need to worry about arranging cover for each journey you take and it’s usually better value than buying individual policies for two or three trips a year. An annual travel insurance policy allows you to travel as many times in the year as long as each trip is not longer than 45 days. Up to 17 days ski travel insurance and snowboarding insurance is included free with all our annual travel policies.

However, if you’re going to be skiing or snowboarding for more than 17 days, you can either purchase a single trip or long-stay ski travel insurance and snowboarding insurance policy for each trip. All winter sport activities can be covered, even heli – skiing / boarding. This is the home of the ski travel insurance and snowboarding insurance specialist. Annual travel insurance and ski travel insurance and snowboarding insurance is also backed by the UK largest insurance companies.

Annual travel insurance including ski travel insurance and snowboarding insurance is an even better deal for families. Insurance for a couple will be cheaper than for two single adults and cover for a family with children under 18 is not usually much more expensive than cover for a couple. Do watch, though, for restrictions on how the cover works. Some family travel policies only cover the family if everyone travels together. The best policies will cover each adult travelling on his or her own, and even unaccompanied trips by the children.

Long Stay Travel Insurance

So many people are going abroad these days and the duration of journeys is ever increasing. You may be going on a longer holiday or trip than usual, maybe you want to ski/ride the winter or stay with relatives on the other side of the world. You might even want to take a temporary job during your stay. So make sure you’re covered with long stay travel insurance.

If you have the right long stay travel insurance, you’ll be confident of knowing that should you fall ill or have an accident you’ll be able to get the necessary medical treatment you need. You could find yourself facing a hefty medical bill if you fall ill abroad without long stay travel insurance. There’s also the risk of losing your personal possessions and equipment or having them stolen. Long stay travel insurance will allow you to replace them or will ensure that a loss doesn’t become a financial crisis, too.

Types of Insurance Explained

The easy way to buy ski or snowboard insurance might seem to be through a travel agent or tour operator. Sometimes these policies are ‘free’ with selected holiday deals, but where they are not, they can be very expensive. Travel agents are no longer allowed to insist that holiday maker’s book insurance through them and it’s almost always possible to find a better deal by shopping around. Buying online is by far the simplest way to arrange, purchase and obtain instant coverage.

Type of Coverage
The traditional way to buy travel insurance is to take out a policy for each ski or snowboarding trip and this is usually how tour operators sell their cover. If you only make one or possibly two trips abroad a year, this may well be the best option. However, a growing number of travelers are opting for annual travel insurance. We talk about this topic elsewhere on the site, but we’ll take a minute for a quick review. The advantage of an annual policy is that there is no need to worry about arranging cover for each journey and it is usually better value than buying individual policies for two or three trips a year.

Most annual policies will cover trips of a month or more. It’s also possible to add business cover and skiing or snowboarding for an additional charge to a standard annual travel policy too if you plan to do more than travel to the snow. Annual travel insurance is an even better deal for families. Insurance for a couple will be cheaper than for two single adults and cover for a family with children under 18 is not usually much more expensive than cover for a couple. Do watch, though, for restrictions on how the cover works. Some family travel policies only cover the family if everyone travels together. The best policies will cover each adult traveling on his or her own and even unaccompanied trips by the children.

Medical and Injury Insurance
The most important part of travel insurance is medical coverage. This should include treatment at the destination, but also the cost of being flown home, by air ambulance if necessary. Common coverage limits range anywhere from $1-$5 million. It’s useful, too, to have access to a helpline that can put you in touch with a doctor who speaks English.

This extra medical insurance can be enough for a short trip abroad, say a weekend break, but it can also be essential if your regular health insurance doesn’t cover providers outside your network and which may be hard to find when traveling.

Baggage and Belongings, Delays or Cancellations, Personal Accident and other Special Risks such as Off Piste rescue and repatriation are all covered with the right ski travel insurance policy. Different types of travel insurance also cover off-piste skiing and snowboarding with or without a guide except where it is undertaken in designated unsafe areas or outside ski area boundaries.