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Group Travel Insurance

Group Travel Insurance - Insuring Diversities and Multiple Generations under One  

Wayfaring with a troop? Well, you are not the only one. These days, the number of groups of families and friends and people sharing similar interests traveling together have seen a steep increase thanks to increasing means for them to connect with each other. Data shows that group vacations were up be a significant percent than the years before. This partly owing to the fact that more and more families and pals are residing far from each other geographically and a group trip is often the most and the only expedient choice for present day’s relations to get together in one place and make memories. As big numbers often do, the whole process can become overwhelmingly complicated if the planning is not in place. A group travel cover can kill a lot of your worries here.

What Is Group Travel Insurance?

Group travel insurance is exactly what it sounds like. It is basically a way of purchasing a travel insurance policy that will protect a large bunch of folk, who are not automatically a family, for traversing overseas on a tour at the same time. You could be touring along with some buddies to an international wedding, or to partake in activities abroad with some club, or merely got together to enjoy a grand trip. Either way, getting a travel insurance for the entire troop, rather than everybody getting their own travel policy, is bound to save you thousands.

Inclusions that you can bet most policies will cover:

Group travel indemnification is typically endowed with the same cover you might presume from a single travel plan for individuals, but for a bigger number. Unforeseen things like trip cancellation, baggage loss, critical health situations and loss of money or essential belongings etc. are normally insured. Hence never disregard the fine print.

Whenever you go to buy a policy, always keep in mind the kind of holiday you are going to take. For instance, if it is a beach destination, you are sure to want to go for some aqua sports like para sailing, scuba diving, jet skiing, kayaking or merely swimming in the sea. Mostly, these are generally not included and you will either have to get a policy with this cover or buy the same by paying extra premium.

You can also avail additional cover as a matter of course on a group plan, and you will also reap benefits such as a bigger some for most covers compared to standalone travel cover.

General exclusions (can be bought for additional premium):

It is better to comb through the entire policies, fine print and all, to ensure that there are no unpleasant surprises – such as being refused cover on some grounds and when you recheck, it is true.

Age is not just a number for insurance companies. The age of some members of your troop might prove to be a matter of concern in a few cases - generally for those aged 65 and above. Not all insurance carriers will offer an inclusive cover for them and if they do, it will be quite expensive.

You may also struggle to discover a group cover if by chance some members of your group reside in some other country and you plan to meet at a common point.

Other typical exclusions reflect those that you can anticipate when buying plans on person to person basis as well. These range from unreported robberies (in less than 24 hours), preexisting medical problems, and mishaps due to drug / alcohol abuse among others.

Planning a trip – where group travel insurance stands:

Here are a few handy ways to remain prepared and choose a suitable group travel insurance as well as tips on how to ensure that each member of the group remains happy to the end with the holiday.

  • Setting a budget:

    This is not something that can go down quite well with everyone in the group, especially with those young ones in the group. Yet it has to be done and who better than you? A kickoff meetup with some pre-plan agenda focusing on travel insurance and other needful will certainly help you put holiday purposes in motion. How many minors and senior citizens are there in the group? Who will be driving? Does anyone in the group suffer from any health problem? What are the destination points shortlisted? These are few of the crucial questions you should ask yourself and others to pick an appropriate travel plan.

  • For planning, more heads the better:

    While you and your group might already have a preferred destination in mind, think through exploring more travel insurance choices that will fit into your group’s roughly set budget and tour plans. There are umpteen comparison websites that will give you custom-made travel cover quotes for bigger groups. Travel agents can also be a great source of info in this regard. Not only will they offer an unbiased, external perception, but they can also help you reach a mutually agreed whopping discount. And, if your journey hits a hitch, it will be taken care of.

  • Researching your travel insurance choices:

    Since there are plenty of aspects to touring with a big set, snags and glitches are sure to occur. Travel insurance is certainly worth considering since it can take charge and offer cover if your holiday deviate from the plan. Financial protection for cancelling of the trip, emergency medical care and cashless hospitalization are the must covers. Bigger the group is, trickier can the plan-selection be. Reputed comparison sites like BankBazaar is your best bet here to pick up an all-inclusive policy as they display the latest quotes in ascending or descending order with every inclusion and exclusion listed.

What level of group travel cover should I aim for?

  • Cover for emergency medical deportation:

    This is crucial when wandering around in a group in a foreign city, particularly if there are old people and those with other health problems are there in the group. Research the hospital, medication and repatriation expenses and buy cover accordingly.

  • Cover for cancellation of trip:

    This cover must be at least as much as you have shelled out for the vacation. For a group plan, make sure that you have sufficient protection for the largest possible claim there could be. Don’t forget to include expenses for pre-paid activities as well.

  • Individual accountability cover:

    You must also have a huge personal accountability cover per person on your chosen scheme. Also, the luggage cover must be adequate to get all your clothes and other belongings replaced or refunded if you are to lose your baggage.

  • Cover for key documents:

    Losing your passport can be a huge setback during any travel. Not only is it inconvenient to walk around without one, but also highly dangerous and a ticket to get into trouble with the law of the land. Get a policy that covers this and will replace your passport at the earliest at no cost.

  • Hijack disaster and other catastrophes:

    When times are tough, there is no end to troubles. And buy cover for natural disaster, depending on where you are going and how prone that area is to natural calamities.

Resource saving tips when buying your group travel cover:

Catering for your entire group travel insurance policy requirements with a single plan for all can help to save you loads. However, there are also a few elementary guidelines that you must stick to, which will bring down your premiums considerably.

Here are a few pointers to help you get cheaper but lucrative deals:

  • Settle on shelling out more excess:

    If you disburse a greater portion of any claim you might file for, then you will greatly decrease your premiums as a result. But please make sure that the agreed excess is affordable and won’t choke you at the time of claiming.

  • Haggle away and more with your insurance provider:

    If you have a huge group of folks away and the insurance provider offers you a quote that you feel is a tad unreasonable, do not be intimidated or shy to call them up and request for a rebate. Things are always negotiable in this field, and even if they refuse, you will have nothing to lose.

  • Compare different quotes to get the best deal:

    The thumb rule is to never go for the very first plan you have been offered by the insurer as the optimum quote available. Check what is on the offer by other firms and then pick the one for which you will happily pay. As said before, put in a fair bit of bargaining too. You must look to compare like-for-like plan which gives you the least levels of shield in the chief areas listed below and pick a plan that maintains satisfactory insurance levels - and minimum excesses - with a reasonable premium cost.

  • Get multi-trip covers:

    Does your group go on these kinds of trips more than once every year? Then no doubt, a multi-trip cover valid for a year is the most beneficial option for you, especially if you go for more than three expeditions.

Group Holiday Safety Tips:

Having a bunch of individuals going off together, for whatsoever purpose (recreation, business, academic), can appear like an awesome idea. But in the unfortunate event of an injury or loss of baggage, the tour can quickly end up a nightmarish phase. And having a group travel insurance is no reason to be flippant either. Insurance is probably the only thing in the world one buys in the hope of never using it.

Hence to ensure that everybody will have the time of their lives, some safety tips are in order.

  • Sticking together:

    You are least likely to be a target of any crime if you tour as a big group, and it is prudent to make sure that nobody is on their own when they are in a place or circumstance prone to natural or manmade danger.

  • Knowing local language:

    It is imperative that at least one person in the group is able to speak the native tongue. If not, you can probably get a friendly local to accompany you.

  • Being aware of your whereabouts:

    Strange regions are exhilarating places as reconnaissance, but generally at least some parts of the city is sure to be restricted for travelers – and for good reason. It is better to ask a few locals or some authoritative figure to gauge how safe it is to go there and at what time.

  • Keeping a list of local emergency contact numbers on your person:

    Every nation has emergency numbers to help people out of sticky situations. For instance, it is 999 in UK, 911 in USA and 112 in Europe. In India, it is 100, 101 and 102 for police help, fire hazard and ambulance. This is something you need to research even before you reach the destination.

  • Being practical with your leisure activities:

    Never forget for a moment that you are not in your native place i.e. your comfort zone. Travel plans are generally nullified if you are drunk or under the influence of drugs when meet with any occurrence that requires a claim. Don’t hesitate to communicate this to your group because if one person breaks the rule it will automatically impact chances of the whole gang. Even if you do go for booze parties, make sure a couple of sober people are in charge for the time and in no way allow you to do something crazy like drunk driving.

  • Refusing to be the errand boy:

    It might seem rude. But to be on the safer side, it is not wise to agree to get something back for somebody else, particularly if it is a friend you made on your journey. You could be inadvertently transferring drugs or some other unlawful object. Getting tangled in these prosecutions abroad is too gory to even think about.

 3.5 / 5.0   by 25 users
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Customer Reviews

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  • review Travel Insurance
    "Average Policy"
    0.5 5.0/5 "Blown Away!"
    I bought my travel insurance from ICICI Lombard and my company people has selected this policy since I'm working in a on site location. The coverage value of Rs. 1 crore since my company is paying the premium amount, i'm not sure about it. I do not have any claim experience. I don't need get any chance to speak with customer care service so far.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 21, 2019
  • review
    review Travel Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    I have two wheeler policy Bajaj Allianz, last time I paid the premium of Rs.1000 for one year. I have Activa bike its around seven years old it got insured with them. There was no claim experience, they give me reminder call on time and also during renewal I get the paper.
    Was this review helpful? 1
    , bangalore
    Reviewed on Apr 30, 2019
  • review Travel Insurance
    "Good protection for luggage"
    0.5 4.0/5 "Great!"
    I generally take Travel insurance with Bajaj , the premium is around Rs.49, I take the policy through the travel agencies for flight booking. They give luggage coverage, if I lost the luggage they will do claim settlement, they used to give acknowledge for the policy. They don't have medical cover in this plan.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 07, 2018
  • review Travel Insurance
    "Enjoy your travel experience without any fear. "
    0.5 4.0/5 "Great!"
    I have bought my travel insurance with ICICI Lombard. They have charged me a good amount but they have deducted twice. When i asked about this, i did not a proper response from them. They have very good insurance amount covered with. Its easy to take the policy. I'm buying the policy whenever i travel and i'm planning to buy the policy for an year since I'm often traveling.
    Was this review helpful? 1
    , new delhi
    Reviewed on Dec 02, 2018
  • review Travel Insurance
    "travel insurance is very nice"
    0.5 3.5/5 "Pretty good"
    i found the travel insurance reviews useful and thoughts are so useful to take the final decision of the production and the way people are expressing there thoughts is really awesome and make to decide.reviews are always very helpful if it is good or bad
    Was this review helpful? 0
    , bangalore
    Reviewed on Nov 26, 2018
  • review Travel Insurance
    "Worst Insurance provider ever "
    0.5 0.5/5 "Unacceptable"
    Hello,, I recently took a travel insurance from Royal Sundaram General insurance for my Thailand trip,,, Unfortunately I encountered sea urchin Bite when I was in Phi Phi Island so wanted to assure myself by consulting a local physician ,, so got an appointment with the local doctor and got the necessary treatment and he billed me about 8000 INR and gave me the proper receipt and case sheet ,, Then I applied to Royal Sundaram General insurance for reimbursement after returning to India,, They initially tried to decline my insurance claim by asking some of my documents that are not even mentioned in the policy claim form but I sent them all the documents they asked and this cost me about 600 INR for courier charges,Finally after all this hardship I have received a reply that my claim could not be processesed due to Low Bill amount which was neither mentioned in my insurance form nor informed me prior to the trip ,, And this is really a silly reason,,so never believe this scumbags
    Was this review helpful? 11
    , madurai
    Reviewed on Oct 31, 2018
  • review Travel Insurance
    "AVERAGE"
    0.5 3.0/5 "Satisfactory"
    I am holding the two wheeler policy with the NEW INDIA ASSURANCE and the process of getting this policy is easy and i have been using this policy from last 3 months. The policy coverage is for the 3rd party insurance includes. I have not experienced the claim in this policy.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Oct 16, 2018
  • review Travel Insurance
    "Good policy to use"
    0.5 4.0/5 "Great!"
    I have got the Travel insurance policy from the ICICI LOMBARD GENERAL INSURANCE company around 2 years ago. the customer support service is good with the ICICI Lombard. This policy covers myself and this policy has the coverage of Rs,15,00,000 and I am satisfied with it.
    Was this review helpful? 2
    , hyderabad
    Reviewed on Apr 04, 2018
  • review Travel Insurance
    "Claim was rejected becuase of unnescceary reason"
    0.5 0.5/5 "Unacceptable"
    I have taken a travel insurance policy for 53 days from iffco tokio and baggage got delay on the fight on the last day of policy expiration. When I try to do the claim, they are giving different excuse to give the claim. Very poor claim service. I will not recommend this insurance company to anybody.
    Was this review helpful? 8
    , new delhi
    Reviewed on Jan 26, 2018
  • review Travel Insurance
    "Very easy to get."
    0.5 5.0/5 "Blown Away!"
    It was nice of these insurance providers that they have given travel insurance for my Tour to Germany at very low cost. The benefits offered were very nice at the reasonable charges. I had face no issues in getting the insurance document timely. They are very punctual.
    Was this review helpful? 2
    , thane
    Reviewed on Oct 09, 2017
  • review Travel Insurance
    "Good for travelers"
    0.5 4.0/5 "Great!"
    Whenever I go to abroad, I take travel insurance only using my ICICI lombard. They immediately send me the policy copy. When I went to Turkey I lost my laptop, I claimed the lost amount from ICICI lombard they processed the reimbursement within a certain time period.
    Was this review helpful? 4
    , bangalore
    Reviewed on Aug 31, 2017
  • review Travel Insurance
    "RELIGARE HEALTH Travel Insurance"
    0.5 4.0/5 "Great!"
    Religare Travel Insurance Explore is indeed the best travel insurance policy in the markets these days, it offers me a peace of mind while I travel. I work in a job involving high stress levels and I often go for adventure sports. I travel worry free because religare is there.
    Was this review helpful? 2
    , bangalore
    Reviewed on May 19, 2017
  • review Travel Insurance
    "Pathetic disbursal policy- rather not take an insurance"
    0.5 0.5/5 "Unacceptable"
    Please do not buy ICICI Lombard Travel insurance for any foreign or domestic travels.They charge very high premiums but do not pay out genuine claims. I had paid a very high premium (approx.. INR 15000) for my father's travel insurance who was coming to UK for a short trip. Unfortunately, he had a cardiac arrest in UK and had to be admitted in hospital. It must be noted that he did not have any prior heart conditions. I have proofs of ECG just before his travel and doctor's diagnosis to prove that. The interesting part is: ICICI Lombardâ??s claims settlement has been outsourced to a company called FGA (Falcon India). Now their incentives are based on minimal disbursal, due to which they tend to reject even the genuine claims. Disgusting Part: A doctor representing ICICI Lombard was sent to assess the case post incident and he indicated some money to be paid to him for a report supporting the claim. When my parents refused to pay any money, a false report was prepared
    Was this review helpful? 18
    , kolkata
    Reviewed on Mar 03, 2017
  • review Travel Insurance
    "Fantastic experience"
    0.5 5.0/5 "Blown Away!"
    Very quick response from Customer care team and detailed explanation provided about the product and executive was very enthusiastically answered all the queries with great level of patience, customer care team contacted multiple times basis the requirement ...overall it was very nice experience .
    Was this review helpful? 6
    , gurgaon
    Reviewed on Jan 15, 2017
  • review Travel Insurance
    "Excellent services"
    0.5 3.0/5 "Satisfactory"
    Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
    Was this review helpful? 2
    , hyderabad
    Reviewed on Oct 27, 2016
  • review Travel Insurance
    "Religare only want new business - good luck with renewal"
    0.5 0.5/5 "Unacceptable"
    Religare is only interested in new business and not care about renewal travel insurance . Their customer care email (ironically customerfirst ?!?!?) is very badly programmed...everytime (even response to quick response) creating new case so they have excuse for new SLA to response. They don't understand that, customer is in foreign country and having risk of heavy fine/medical charges in case of not travel insurance in case of required renewal. My insurance was going to expired (which is already) on 23-Sep-2016 and I sent them renewal request on 20-Sep-2016 and on 21-Sep-2016 signed extension form but yet not received any communication back. More frustrating is, they don't have customer care phone number which can be reachable from outside India (as they have 1800- number). I will not go for them in future.....and advice other too if they have change of extension on trip.
    Was this review helpful? 5
    , mumbai
    Reviewed on Sep 24, 2016
  • review Travel Insurance
    "Very good"
    0.5 5.0/5 "Blown Away!"
    I am having the travel insurance policy with the Tata AIG general insurance company and I used to get it while am going abroad. Coverage value is depends on the country where am going, also they are providing coverage for my luggage.
    Was this review helpful? 8
    , bangalore
    Reviewed on Apr 16, 2016
  • review Travel Insurance
    "Really good"
    0.5 4.0/5 "Great!"
    I have taken a Travel Insurance from HDFC as I am frequent traveler. It has an accidental cover of around Rs.50 lakhs which is valid internationally as well. I pay the insurance through annual premiums online. I took this two years back and the customer service was good.
    Was this review helpful? 2
    , bangalore
    Reviewed on Mar 19, 2016
  • review Travel Insurance
    "Wonderful..."
    0.5 5.0/5 "Blown Away!"
    If I pay the premium for first year, I no need to pay the premium for three years. As this travel insurance was offered when I availed car loan. If there any accident happens while traveling the HDFC Ergo cover our hospital fee. Another option is there as they pay three months emi if we lost our job.
    Was this review helpful? 4
    , bangalore
    Reviewed on Feb 20, 2016
  • review Travel Insurance
    "Don't buy reliance"
    0.5 0.5/5 "Unacceptable"
    Because of cancelled flight, I missed my connecting flight. Had to make fresh arrangements. On trying to claim, they say no flight or taxi charges will be refunded, its only for food and stay ( normally any Arline's will provide if they cancel) Now finally they have stooped down to a level saying... The policy document (u get after you purchase policy by making payment) doesn't say it will cover missed flight, when asked its in broucher, " our terms and conditions gets modified after the payment is made" by SWARUPA MARTIN claims officer. So my suggestion is reliance don't cover missed flight, try other insurance... Its worst of all.
    Was this review helpful? 15
    , mangalore
    Reviewed on Feb 20, 2016
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