Group Travel Insurance by Type of Travel

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. 


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Costs for Group Travel Insurance

Whenever you embark on a trip as a group, it is advisable to apply for a group travel insurance policy. You never know what awaits in a foreign land, and it is only wise if you have coverage against risks such as medical emergencies, cancellation, interruption, and many more. However, costs for group travel insurance plays a vital role in the type of policy you settle on, bearing in mind that it will cover for all individuals listed (usually five or more). 

Cost Per Person
On a primary basis, most insurance will give a ballpark estimate on how much of your total trip costs you’ll remit to your policy. It is likely to be ranging from 3%-4% of the entire group travel cost. In the same breath, the price per person will be divided equally among all the traveling members depending on the policy budget. What’s more, high-end coverage policies will likely charge a non-refundable 10%-12% of the total travel cost.  

Cost Per Policy
Most insurers agree that policy pricing depends on several factors, including your group size. For medical and cancellation packages, they include.
• The overall cost of the group trip
• Number of people needing insurance and their ages
• Where you are headed for the journey and how long it will take
• Operational coverage 

Cost Breakdown of Specific Types of Group Travel Coverage
There are a few essential coverage packages in group travel insurance. Most of them will include.
• Baggage coverage- $400-$500 per person
• Evacuation coverage- $100,000 for the whole group
• Missed connection coverage- at least $250 per person
• Emergency medical coverage- at least $25,000 per person
• Trip cancellation coverage- at 100% of the policy price
• Trip interruption coverage- at 150% of the policy price 

Are Some Destinations More Expensive Than Others?
When it comes to risk coverage, anything is possible. For example, if you are planning a trip to skiing resorts overseas, it means that you will pay more on your policy because the destination bears a higher risk.

The best way to cut down on additional charges for unique destinations would be to evaluate costs for group travel insurance that offer a chance for a combination of terms. You can even seek special discounts. 

Are There Any Discounts for Groups That Have an Existing Policy with The Company?
Yes. All you need to do is get hold of any seasonal offers or promo coupons from your insurer and activate them. It will enable you to save up to 20% of your total policy remittance fees. 

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Group Travel Insurance Agents

Traveling as a group has become utterly popular since you can save money in the long run. Plus, you get to have endless fun if you go as a family or friends. The best part is that you feel more secure as compared to when you are alone. Here’s what you need to know about group travel insurance agents. 

How it Works 
Most group plans cover up to 10 people who intend to go together to a destination of their choice. For instance, if you are into skiing, it will insure you and your group. The policy is responsible for medical emergencies, cancellations, lost money, baggage, and other stolen possessions. For this reason, you need to choose group travel insurance agents who include all the items in the insurance. 

Find a Customizable Deal 
It will help if you find affordable prices for all the skiers in your circle. This way, everyone can enjoy their vacation without any financial strain. On that account, you can consult your group travel insurance agents on the best deals. Ensure that the costs suit the needs and expectations of all the people. 

Inquire Vital Details 
As part of the requirements, all the people should be over eighteen years of age. Additionally, you should catch flights from the same airport so that you can qualify for the cover. Plus, since you are going for skiing, ensure that the policy covers you fully since the activity can lead to inevitable injuries. This way, you can have a great time knowing that you have the best insurance cover.  

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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. 

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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.

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.

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 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.

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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.

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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.

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.


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