Agree to pay a higher excess
If you pay a higher proportion of any claim you make, you'll reduce your premiums accordingly. But be sure you can afford the excess you agree, or you could be out of pocket when making a claim
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What is group travel insurance?
A group travel insurance policy provides cover for a group of individuals who are travelling together on a trip or multiple trips, usually for work or leisure.
By covering everyone on a single policy, group insurance cuts down on admin and can result in lower premiums than if everyone bought individual cover.
People who typically buy group travel cover include families, groups travelling to weddings overseas, sports teams or social clubs, and parties who are heading off on winter-sports holidays.
How does group travel insurance work?
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Contact your insurer
When you need to make a claim on your group travel policy, it’s important to check the small print to ensure you’re covered. If you are, you should then contact your insurer as soon as possible and be truthful about what happened.
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Fill in a form
Your insurer will send you a form. Use all the supporting evidence and paperwork you’ve gathered to fill it in. Remember to include the documents with your claim, while ensuring you keep copies of the originals. And retain a second copy of the form too.
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Your insurer covers the cost
If your claim is successful, your insurer covers the cost (pending any excess specified by your policy). Before paying out, though, they may ask if you have any other insurance that could cover the claim.
What does and doesn’t group travel insurance cover?
Group travel insurance, which is typically available for up to ten people, usually comes with the same cover you’d expect from a single trip policy for individuals.
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Covered
Travel disruption: Group travel insurance will cover you for travel complications caused by bad weather, industrial action, disruptions caused by mechanical failure and routes being closed
Lost baggage: If one or more of the group’s luggage is lost or stolen, group travel insurance can help cover the cost with compensation to mitigate the effect on your holiday
Medical emergencies: In the event that one of the party needs medical attention while on holiday, a group travel policy will cover medical fees associated with the treatment required while overseas
Repatriation: Getting you home if you’re injured can cost an arm or a leg. Group travel insurance can cover the cost of arranging your travel home, so you can get care in the UK
Cancellation: Forced to cancel or curtail your holiday? Travel insurance for groups can reimburse you the cost of your trip. Valid reasons for cancelling included in your policy could include bereavement or medical emergencies
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Not covered
Accidents related to alcohol or drugs: If you have an accident while on drugs or alcohol, it’s unlikely you’ll be covered by group holiday insurance. This includes for injuries and damage to property.
High-risk sports: Standard group travel policies likely won’t cover injuries by extreme sports, or winter sports and water sports. So look into specialist group travel accident insurance instead.
Missed flights: If one of your group misses a flight, you may be covered but only in some circumstances. If the insurer finds you were at fault, you’re unlikely to get compensation
Travel to locations against advice: Opt to travel to a destination against FCDO advice and that’s deemed to be dangerous and you won’t be covered by your policy at all.
Pre-existing conditions: Ordinarily, group holiday insurance for groups won’t cover pre-existing conditions. In these instances, take a look at specialist policies
Is it better to get travel insurance as a group or separately?
Group holiday insurance can minimise your paperwork and is usually cheaper. Not least because family group travel insurance generally covers children for free.
It’s also less hassle to make a claim if required. For example, if one of your group became ill and you needed to cancel the trip, you’d only need to claim once rather than everyone having to claim separately.
But a group travel insurance policy isn’t right for everyone. If you’ve got a pre-existing conditions, you’re likely to be better with individual travel cover
Can you travel separately on group travel insurance?
That depends on the policy. Some group holiday insurance policies won’t cover you if some members of the group take a different flight or arrive from different airports.
Conversely, some insurers will allow you to travel separately and permit anyone over 18 to travel alone. This is usually the case if you opt for an annual group travel insurance policy.
For that reason, it’s vital you study the terms of the policy before you sign up.
Tips for getting cheap group travel insurance
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Bargain with your insurer
If the insurer gives you a price you feel is a little steep, don't be afraid to get on the phone and ask for a discount. Everything is negotiable, and even if the insurer says no, you've not lost anything.
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Compare quotes to get the best deal
Never take the first policy you're offered as the best price you can get. Use MoneySuperMarket’s comparison tool to check what's available from other companies
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Consider annual/multi-trip cover
If one or more members of your group travels 3 or more times per year, they may find it more affordable to opt for an annual multi trip policy
Our expert says…
The admin for a group trip always comes down to one person in the end, and its usually the same person every time. But group travel insurance doesn’t have to be a mammoth job and could save money – especially if you’re fond of haggling.
Just be sure you and your fellow travellers understand the disadvantages as well as the advantages. For example, anyone with a pre-existing condition should arrange their own cover. It’s nothing personal, you’ll all probably be better off and they’ll get the cover they need.
Kate Hughes Money & Savings Expert
What level of cover should I be aiming for?
At least £1m of medical cover: It's usually a good idea to double this when travelling to the USA. Furthermore, your policy should include cover for emergency repatriation which can be expensive
Travel delay and catastrophe cover: A catastrophe is defined as something like a natural disaster, such as an earthquake or the Icelandic ash cloud. When times are tough, you also need to make sure you are covered if your travel operator goes bust and your holiday is not ATOL protected by having End Supplier Failure cover
Cancellation cover: This should be at least as much as you paid for the holiday. Ensure you have enough cover for the highest potential claim. Pre-paid activities also need to be included in your calculations
At least £1m of personal liability cover per person: Baggage cover should be sufficient to reimburse you for replacing all your clothes, personal possessions and suitcase. There could also be single item limits in place. So make sure your group know the highest amount that could be claimed on any one item
How does the number of travellers effect the price of your insurance?
Alongside other factors, the price of your travel insurance can vary depending on how many people are on the policy.
Number of travellers | Average price* |
|---|---|
< 3 | £28.65 |
3 | £46.79 |
4 | £58.71 |
5 | £66.77 |
6+ | £65.70 |
Why compare travel insurance with MoneySuperMarket?
Whether you need worldwide cover, a single trip, or a multi-trip policy, at MoneySuperMarket, we’re here to make sure your holiday planning is a breeze. Here’s what you’ll get:
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Flexible to suit your plans
Get fully comprehensive cover for as long as you need it, whether that's one day or a few months, or single trip or multi trip policy
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Quick and easy to use
Simply pop in a few details about where you’re off to next, pick the best deal for you and get insured for your next trip.
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Save money
Compare quotes from the UK's leading travel insurance providers and filter through a range of policies that match your needs as well as your budget.
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Ready to compare? Here's what to do next
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Tell us about yourself
Give a few details about you, your travel plans, preferred level of cover, and what you need cover for
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We’ll put together a list of travel insurance quotes, so you can pick one that works for you
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You’re on your way
Once you’ve chosen, you can purchase your policy and you’ll be covered for your trip
Travel insurance guides and expert tips
Is it cheaper to get travel insurance as a group?
Taking out group travel cover instead of individual policies usually works out cheaper. Especially if you’re a family, because cover for children typically comes for no extra cost. You may also benefit from more generous luggage cover.
That said, travel insurance for groups aren’t always the most cost-effective way to go. So make sure you do your research and compare policies on MoneySuperMarket before signing on the dotted line.
Is it better to buy travel insurance separately?
If you’ve got a pre-existing condition, it’s a good idea to buy travel insurance for yourself instead of relying on group insurance. This is because people with pre-existing conditions aren’t typically covered by standard group travel insurance.
However if that’s not an issue, you can make real savings by opting for a group travel policy. And there’s less paperwork to manage in the event that you have to make a claim.
How does couples' travel insurance work?
As the name suggests, couples' travel insurance policies cover you and your partner when you travel overseas. Generally, it offers the same sort of cover as standard single-person insurance and comprises medical cover, luggage cover, as well as cover for cancellations or delays and disruptions.
You don’t necessarily have to travel together and whether you’re covered for single-person travel will depend on the particulars of your policy. However, you and the person you’re in a relationship with are required to be 18 or over and reside at the same address.
Can you travel separately on family travel insurance?
Generally, if you’ve got an annual family travel insurance policy, each adult named can travel alone and will be covered. Children can also travel without adults named on the policy, as long as they’re accompanied by another adult.
What are common exclusions on group travel insurance?
The age of certain members of your group could prove to be an issue in some cases - usually for those aged 65 and over - and you may find that there are fewer insurers willing to provide cover, or that the price increases when you disclose this to them.
You will also struggle to find group cover if certain members of your party live in a different country to the rest - such as Eire for example.
Other general exclusions usually mirror those that you can expect when purchasing policies on an individual basis, such as thefts that are not reported to the police within 24 hours, medical problems as a result of inebriation, and so on. You must check the policy details carefully before you buy a group travel product, and make sure everyone on the policy knows the exclusions so there are no nasty surprises.
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Reviewed on 30 Dec 2025 by
Data based on the average price of travel insurance sold through MoneySuperMarket for < 3 travellers in November 2025.
Data based on the average price of travel insurance sold through MoneySuperMarket for 3 travellers in November 2025.
Data based on the average price of travel insurance sold through MoneySuperMarket for 4 travellers in November 2025.
Data based on the average price of travel insurance sold through MoneySuperMarket for 5 travellers in November 2025.
Data based on the average price of travel insurance sold through MoneySuperMarket for 6+ travellers in October 2025.
The number of providers for travel insurance in August 2025
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