Going on a special trip with a group of friends or loved ones can help make the event more enjoyable, increase the fun and create memories for years to come. One key thing to remember is that having the protection of travel insurance brings peace of mind to everyone.
Group holidays mean that more people are involved, and organising group travel insurance can be complicated if each person has their own specific needs and requirements.
In this article, we explore how standard travel insurance plans can protect you just as much as a group travel insurance policy, even when you’re planning a holiday, wedding occasion abroad or a trip away with friends.
Contents
- Do groups need group travel insurance?
- What’s the difference: single group policy or individual travel insurance?
- Essential cover features for group trips.
- Travel insurance areas to notice.
- Travel reassured with GasanMamo.
Do groups need group travel insurance?
Organising group travel insurance and collecting payments from every member of a group can be a challenge. If there are some group members who need additional cover due to medical conditions, baggage protection or cover for a certain type of personal belonging, this could make the policy complicated.
Even if you’re travelling in a group or going on a group vacation, you don’t necessarily need a group travel insurance policy that includes every member of the group within it.
You can organise your own travel insurance policy and customise it to suit your individual needs so that your trip away is stress-free and safeguarded in the event of an unexpected event.
Discover more in our article: Family travel insurance: A practical guide for families holidaying abroad
What’s the difference: group travel insurance or individual travel insurance?
There are some key differences between a group travel insurance plan and an individual travel insurance policy, such as:
Group travel insurance plan
- Group travel insurance usually covers multiple people under one plan, generally around 2 to 10 people.
- A group policy requires everyone to travel together on the same date and to the same destination.
- Arranging a group plan could be complex if some group members have more significant medical needs compared to others.
Individual travel insurance policy
- Suitable for any type of trip or vacation, even in group settings.
- An individual insurance plan is flexible as it allows everyone to tailor their policy to personal medical needs.
- If there are differing financial budgets or independent itineraries, an individual travel insurance policy will accommodate these areas.
Essential cover features for group trips
As with any type of insurance, your travel insurance policy should be built around your personal needs to ensure you have everything covered before you leave on your trip.
Insurance customers often cite the following areas as being some of the most important:
- Emergency medical care cover
If you suffer an accidental injury or illness on your trip you should have emergency medical expenses and reasonable additional related costs covered by your travel insurance policy. This is the same whether you’re travelling individually or as part of a group.
- Baggage protection
Losing baggage or having it damaged can make your trip more stressful. Accidental loss of or damage during the period of insurance to personal belongings (including clothing worn) and personal luggage taken or owned by you should be covered under your travel insurance policy.
- Cancellation or curtailment reassurance
If you experience one of your policy’s approved incidents, such as an unexpected illness or injury that leads to the cancellation or curtailment of your trip, you could receive compensation costs for non-refundable amounts you have had to pay in relation to trip bookings.
Find out more about lost belongings while travelling in our article: Lost your passport abroad? What to do and how your travel insurance helps.
Travel insurance areas to notice
When selecting the right travel insurance for a group trip, try to consider the following areas to make sure you have everything covered:
GasanMamo has recently amended its cover so that people aged 81-85 are now eligible without a medical certificate requirement. People aged 75-80 can now opt for a Standard Cover, rather than Basic Cover.
- High-risk activities: It is recommended that you share any high-risk activity you plan to do with your insurance provider to make sure you’re appropriately protected under a standard policy. You may need a tailored policy or an optional add-on to better support your trip.
Travel reassured with GasanMamo
Organising a group trip for a wedding, family celebration or work event can take time. It is advisable to get a travel insurance policy quote early so that you can compare prices and coverage limits before committing to a break away.
Standard travel insurance policies, like the ones you can find with GasanMamo, are easy and convenient with protective cover for whatever type of trip you’re planning to take, even as part of a group vacation.
Take a look at our competitive, comprehensive benefits and attractive optional extensions on our travel insurance page.
GasanMamo Insurance is authorised under the Insurance Business Act and regulated by the MFSA.
