Your group can get solid insurance protection at a discounted price. Find out more.
Traveling overseas with a group can be a lot of fun, but can also bring significant logistical challenges! Obviously, when traveling with a group the risk of complications is greater. While we hope your trip goes off without a hitch, the reality is that stuff happens and someone in your group might get hurt or sick, or more significant problems can arise.
The great news is that we can help you provide your group with very solid, thorough protection and help for a very low price.
What’s Covered on Group Travel Insurance Plans
Coverage on a good travel insurance plan will include:
- Medical expenses (health insurance)
- Evacuation (medical, political, natural disaster)
- Reunion (brings a relative to your side in certain situations)
- Trip Interruption
- Return of Remains (morbid, but important)
What About Sports Coverage?
Some insurance companies cover sports under an optional “rider,” meaning it is an add-on you purchase with your plan. (If you purchase a policy with HCC Medical, as most of our clients do, you won’t need an extra rider).
If you’re traveling with an organized sports team, check with us to make sure you’ll have the coverage you need.
Who Can Get Group Travel Insurance
Group travel insurance policies are available to a group of 5 or more people traveling together.
These can include a group holiday, school groups, performance groups, sports teams, and short-term mission teams.
How to Purchase Group Travel Insurance
You can utilize the secure online enrollment process to purchase coverage for your group quickly and easily.
In fact, you could literally have a travel insurance plan in place for your group as soon as tomorrow.
Once you’ve purchased coverage you’ll receive your policy documents and ID cards via email so you can print a hard copy and safely store a digital copy.
How Much Travel Insurance Coverage Do You Need?
When you look at prices, you’ll see two variables:
- Deductible. This is how much you’d pay before the insurance company pays claims.
- Coverage Limit. This is the limit of their coverage. You’ll be responsible for any charges exceeding that amount.
You can adjust those limits to see how that influences your price.
Our default recommendation is that you have a coverage limit of at least $100,000 and a $0 deductible.
Some groups choose higher coverage limits, and that’s obviously fine. The $0 deductible simply keeps the claims process simple (and the prices are low enough that it doesn’t make a huge impact).
If you are part of a company or organization with ex-patriate workers, we can help you find an international group health insurance plan.
These plans are similar to group health insurance plans you’d buy in the United States, but with the addition of some typical travel insurance benefits like evacuation coverage.
If you have specific questions or need more information, don’t hesitate to contact us.