Group insurance is designed for parties of at least 10 travelers who have identical traveling itineraries. Even if your family is exceptionally large, group traveler’s insurance will not apply. The comprehensive and temporary nature of group insurance requires that all participants have the same origin, destination, and travel period.
How it Works for Cruise Ships
Group travel insurance by type of travel is the purchasing of single policies to cover specific concerns. Policies are usually customized to fit schedules that include various forms of travel like flying, busing, and taking a cruise ship. In short, group travel policies cover potential problems that all members of the group will encounter equally.
Group trips on cruise ships create two main concerns. They are medical emergencies while on open water, and stringent ticket refund policies.
When a person enters international waters, their private insurance policies at home will probably not be in effect. A cruise ship, fishing boat, or sailing yacht is an extremely confined and isolated mode of travel. If a medical emergency arises, all treatments can become out-of-pocket expenses. It is important to have coverage for every group member in case a medical rescue is needed.
Also, cruise lines tend to have very strict rules when it comes to canceling boarding passes. They require up to 90 days of prior notice to issue any type of refund. Coordinating a group of 10 people is tough. If the trip is canceled close to the departure date, group insurance will help each member recover their expenses.
Know Your Trip
Of course, group travel insurance by type of travel should cover dangers associated with the goal of the trip. If you go on a hunting safari, have a plan that covers medical needs from things like weapons accidents. If you go on an ocean fishing excursion, have a plan that covers the entire trip being canceled because of horrible weather. If your group happens to be climbing Mt. Everest, buy a policy that covers emergency helicopter rescues. When a group has a great travel policy, it helps everyone avoid paying for costly mishaps.