Group Travel Insurance Discounts

Types of Travel Insurance Available

When you are shopping for group travel insurance discounts, you need to understand what type of coverage you are getting. Before you buy, ask whether the plan provides:

• Medical Benefits - Covers the cost of medical treatments if someone becomes ill or is injured while traveling.
• Medical Evacuation - Pays the expenses involved if the sick or injured person needs to be transported home for further medical treatment.
• Accidental Death Benefits - Pays benefits to a beneficiary if the insured dies due to accidental causes during the trip.
• Repatriation of Remains Benefit - Covers the cost of returning the person's body to their home for internment or cremation if they happen to die while on their trip.

Why Buy Group Travel Insurance

When you arranging for any kind of insurance coverage, you can usually get a better deal on pricing by participating in a group plan. Travel insurance is no exception.

By purchasing your travel insurance together, everyone in the group has the coverage they need. No one plans to have an accident, become ill, or have their purse or wallet stolen while they are away on vacation, but these things happen. Travel insurance policies also provide coverage in case of these events:

• Travel delays
• Cancellations
• Lost or damaged luggage

What Kinds of Groups Buy Travel Insurance

Group travel insurance makes sense for several types of organizations, including:

• High school bands or choirs
• Church groups
• Social clubs
• Business or professional groups
• Tour groups

Where to Find Group Travel Insurance Discounts

Independent Travel Insurance Broker

An independent travel insurance broker will be able to assist you in arranging for group travel insurance. Since they represent a variety of insurance companies, your travel insurance broker can discuss your needs with you and suggest companies that are able to provide group discounts.

Your Travel Agent

If you are making last-minute travel plans or just want to deal with one person for your travel insurance needs, you can buy travel insurance from your travel agent.

Contact an Insurer Directly

An online search will give you the names of several companies that offer travel insurance. Here are some examples:

• Travel Insured International offers group travel coverage to residents of the United States. Several levels of coverage are available, including a plan specifically-designed for student travelers.
• Travel Guard International insures travelers from the United States and Canada (with the exception of people from the state of Washington). To qualify for coverage from this company, the group must include at least 10 people.
• Travel Insured International offers two types of group travel insurance.
  • For adult travelers - Covers cancellations, delays, lost bags, emergency medical expenses, and evacuation for travel in the United States and internationally. A pre-existing condition waiver is available, along with different levels of coverage.
  • For students traveling in the United States - Chaperones can be covered if they account for less than 20% of the group members. The group must be made up of at least 10 people.
• Travel Insured International offers group coverage for adults and students. In addition, this company offers insurance for people traveling by motor coach. The motor coach policy is designed for trips originating in the United States lasting for 30 days or less. The cost of insurance will depend on the length of the trip. The cost per person is also taken into account.

By shopping around, you can get group travel insurance discounts to protect everyone in your party. If you start looking well in advance of your trip, you will have more options to choose from.