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Best Group Travel Insurance Coverage: Reviewing Top Plans & Policies October 2022

Here are the best policies to cover your group trip, plus everything else you need to know about group travel insurance

3 March 2022
Best Group Travel Insurance Coverage: Reviewing Top Plans & Policies October 2022

Looking for the best group travel insurance policy for an upcoming trip with friends and family? Look no further! Today, we’re going to share our recommendations so you can get the best group travel insurance coverage for you.

If you’re planning a trip for a larger group of people, you should consider group travel insurance. This will protect you from losing money for canceled trips, medical emergencies abroad, delays, and countless other mishaps. Here is a summary of our findings for the best group travel insurance policy in 2022:

  • Best plan for up to 10 travelers: Worldwide Trip Protector
  • Best plan for 10+ travelers: RoundTrip Group
  • Best medical plan for 10+ travelers: Liaison Travel Plus Group

Before we get into our explanation for these recommendations for group coverage, here is some basic information on group policies. Read the full guide for more information on how much these plans cost, what they cover, and more information on group travel insurance in general.

Basic Information On Group Travel Insurance

There are a few options for insurance, depending on the size of your group and the type of coverage you need.

The first option is comprehensive travel insurance. This would cover your trip cost if you needed to cancel, medical emergencies, baggage, delays, and more. These plan cost more because they have more coverage.

The second option is travel medical insurance. This type of plan focuses on medical emergencies and evacuation (if necessary). These plans cost less because they don’t cover your trip costs.

For both options, the following criteria are important and are considered when picking these best plans:

  • Covers Covid-19 for medical treatment and cancellation*
  • Emergency medical coverage – at least $100,000 (per person)
  • Evacuation coverage – at least $100,000
  • Good weather & hurricane coverage*
  • Travel Delay trigger 12 hours or less
  • ‘Cancel for any reason’ available*

*applies to comprehensive plans

The following are my recommended insurance plans for group trips based on the criteria listed above, individual features in each policy, and the cost. All plans are offered by A.M.Best Rated reputable companies that specialize in travel insurance.

Best Group Travel Insurance plan for up to 10 travelers

This plan is perfect for a large family, or a multi-generational trip that includes grandparents, adults, and the grandchildren. It is a standard plan (covers cancellation, interruption, medical, evacuation, baggage, delays, etc) that you would purchase for any other trip. However, it happens to have great pricing for a larger traveling group. Quoting/purchase process is just like any other travel insurance plan. Note: All travelers must reside in the same state.

Worldwide Trip Protector

  • Covid covered for sickness cancellation and emergency medical
  • $100,000 Emergency Medical (Primary)
  • $1,000,000 Medical Evacuation
  • Cancel For Any Reason available
  • Weather coverage includes NOAA hurricane warnings
  • Travel Delay after 6 hour common carrier delay
  • School year extension is a covered reason for cancellation
  • Cheapest group travel insurance that met the criteria
  • All travelers must live in the same state
  • Great for: Multi-generational trips with grandparents, adults, and the grandkids. This is a standard travel insurance plan so it’s simpler to purchase (as opposed to an official “group” plan intended for 10+ travelers).

Example quote $816 (includes all travelers): For the above plan, the example trip includes 10 travelers (70, 70, 45, 45, 40, 40, 14, 14, 12, 12) on a two week trip, with a total trip cost of $20,000).

Best group travel insurance plan for 10+ travelers

For groups of more than 10 travelers that still want full comprehensive coverage for their trip, the following plan is the best choice. This is a plan that has special group rating for larger groups, and simplified enrollment. This is a good plan for larger families and organized tours, or any other trip where you want comprehensive coverage (covers cancellation, interruption, medical, evacuation, baggage, delays, etc). More details below on quoting & purchasing.

RoundTrip Group Travel Insurance Policy

  • Covid covered for sickness cancellation and emergency medical
  • $100,000 Emergency Medical (Primary)
  • $1,000,000 Medical Evacuation
  • Cancel For Any Reason available
  • Travel Delay trigger is 6 hours
  • Great for: Large (11+) families or large group trips when you want cancellation insurance.

Example quote $2,014 (includes all travelers): For the above plan, the example trip includes 16 travelers (70, 70, 70, 70, 45, 45, 42, 42, 40, 40, 14, 14, 14, 14, 12, 12) on a two week trip, with a total trip cost of $32,000).

Best group travel medical plan for 10+ travelers

For a group trip larger than 10 travelers where you only want coverage for medical emergencies, this is the best plan. With comprehensive travel insurance, you have coverage for canceled or interrupted trips, medical emergencies, baggage, etc. This plan focuses on emergency medical coverage and medical evacuation coverage. This is a simpler, lower-cost option for when cancellation is not a concern.

Liaison Travel Plus Group

  • Covid covered for emergency medical
  • No coverage for cancellation
  • Selectable medical from $50,000-$5,000,000
  • $1,000,000 Medical Evacuation
  • Has some non-medical coverage like baggage, delay, and trip interruption
  • Great for: Large groups traveling abroad, concerned with medical and evacuation only.

Example quote $1,627 (includes all travelers): For the above plan, the example trip includes 16 travelers (70, 70, 70, 70, 45, 45, 42, 42, 40, 40, 14, 14, 14, 14, 12, 12) on a two week trip with medical coverage up to $100,000).

How Much Does Group Travel Insurance Cost?

In general, comprehensive travel insurance costs between 4-10% of your insured trip cost. A travel medical only plan can vary, but a general rule would be under $10/day for each traveler.

Comprehensive plans cost more because they are insuring your trip cost in addition to medical emergencies. For example: A comprehensive plan for a large family cruise would cover their $25,000 trip cost, plus medical, evacuations, baggage, and delays. That is a lot of financial risk for the insurance company, so they need to charge more. The same trip with medical only would have less financial risk, so far less premium.

Here are sample costs from above on a per-person basis:

Full comprehensive coverage for a group up to 10 travelers:

This is a trip with two grandparents, their two adult children and two spouses, and six grandchildren. They are taking a two-week trip costing $20,000.

The policy above (Worldwide Trip Protector) would cost $816 for all travelers, which is around 4% of the trip cost. The plan covers trip cancellation, medical emergencies, evacuation, baggage, delays, and more. The cost breaks down to $81/person for two weeks of coverage.

Full comprehensive coverage for a group over 10 people:

This is a similar trip but with more people, totaling 16. They are taking a two-week trip costing $32,000.

The policy above (RoundTrip Group) would cost $2,014 for all travelers, which is around 6% of the trip cost. The plan covers trip cancellation, medical emergencies, evacuation, baggage, delays, and more. The cost breaks down to $125/person for two weeks of coverage.

Travel medical coverage for a group over 10 people:

This is a similar trip but with more people, totaling 16. They are taking a two-week trip.

The policy above (Liaison Travel Plus Group) would cost $1,627 for all travelers. The plan covers medical emergencies, evacuation, baggage, delays, and more. The cost breaks down to $7/day for each traveler.

Important coverages for group trips

Best group travel insurance large group of people skiing

The risks on a group trip are similar to any other trip, but with more people you have a higher chance of something happening. Here are the main covered reasons for trip cancellation to think about with descriptions of each one:

  • Trip cancellation and interruption coverage
  • Covid-19 coverage for cancellations and medical treatment
  • Emergency medical and Evacuation coverage
  • Hurricane & weather coverage
  • Cancel For Any Reason (CFAR) upgrade available
  • Travel Delay
  • Baggage Loss, Theft, or Damage
  • Baggage Delay

Wrapping Up Our Review Of The Best Travel Insurance Policies For Groups

Well, there you have it – the best group travel insurance coverage currently available. In summary, here are our findings:

  • Best plan for up to 10 travelers: Worldwide Trip Protector
  • Best plan for 10+ travelers: RoundTrip Group
  • Best medical plan for 10+ travelers: Liaison Travel Plus Group

The best way to determine your ideal travel insurance for a group? Get a quote through us. We’ll seek out the most ideal coverage for your unique trip – no matter where you’re headed, who you’re going with, and what you want covered. Get started today so you can relax and enjoy peace of mind on your travels put a price tag on that!

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Damian Tysdal
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DamianTysdal

Damian Tysdal is the founder of CoverTrip, and he believes travel insurance should be easier to understand. He started the first travel insurance blog in 2006.

Damian Tysdal is the founder of CoverTrip, and he believes travel insurance should be easier to understand. He started the first travel insurance blog in 2006.