Where are you going?

Taking a vacation together? Help keep your group trip on track with our coverage options for all kinds of travelers.

How our group travel insurancecan help you

Group trips are iconic — and occasionally chaotic. From delayed or canceled flights to lost bags and unexpected medical costs, we’re here to help you regroup quickly, so one hiccup doesn’t derail your whole itinerary.

If your group packs a lot …

From matching tees to your “just-in-case” suitcase, we can help with lost, stolen, damaged, or delayed belongings, so your round-up can keep rolling.

See our baggage benefits

If you want medical coverage …

We can help reimburse unexpected medical costs while you’re away. Because even the best squad escapes can come with surprises — like a sprained ankle or sudden illness.

See our medical benefits

If plans change for part (or all) of your crew …

Our trip cancellation benefit can help with eligible lost costs, so you can reschedule or resume your group trip with less hassle.

See trip cancellation

If you want 24/7 support …

All our plans include emergency assistance — so you have a trusted helping hand while you’re away from home (even when the group chat is panicking).

See assistance benefit

Here's what you get with our comprehensive plans for group travel

Want our best coverage for the loved ones you live with? These plans pack our strongest mix of pre-trip and on-trip benefits — with up to nine optional upgrades. That way, your group can handle surprises with more confidence, from cancellations to emergency medical needs.

Before you buy: Doing the group booking? You can only include travelers that live in your household on your policy, so keep that in mind before you get a quote. Travelers that don’t reside in your home can buy a separate Travelex policy, so they have coverage for your group trip, too.

six older adults with group travel insurance laugh and chat as they walk down a city street on vacation

Ultimate

For travelers who want maximum protection.

Up to $50,000 trip cancellation
Up to $75,000 trip interruption
Up to $2,000 travel delay
Up to $250,000 emergency medical*
Up to $1,000,000 emergency evacuation and repatriation

Advantage

For travelers who want a step up from basic coverage.

Up to $10,000 trip cancellation
Up to $12,500 trip interruption
Up to $1,000 travel delay
Up to $50,000 emergency medical
Up to $250,000 emergency evacuation and repatriation

Essential

For travelers who want reliable coverage at a lower cost.

Up to $10,000 trip cancellation
Up to $10,000 trip interruption
Up to $600 travel delay
Up to $25,000 emergency medical
Up to $200,000 emergency evacuation and repatriation

Our plan benefits and coverage details	Ultimate	Advantage	Essential
Trip cancellation, interruption, delay, and inconvenience
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.	100% of trip cost ($50,000 maximum)	100% of trip cost ($10,000 maximum)	100% of trip cost ($10,000 maximum)
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.	150% of trip cost ($75,000 maximum)	$125% of trip cost ($12,500 maximum)	100% of trip cost ($10,000 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.	$2,000 ($250 per day maximum)	$1,000 ($250 per day maximum)	$600 ($200 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.	$2,000 ($500 per item limit)	$1,000 ($500 per item limit)	$750 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.	$500	$200	$200
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.	$750	$500	$150
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason. Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum	$600	Not included	Not included
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.	$1,000,000	$250,000	$200,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.	$250,000 *$50,000 for NH residents	$50,000	$25,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.	$500	$500	$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.	Included if plan is purchased within 21 days of first trip payment and full trip cost is insured	Not included	Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.	90 days Does not apply to NH residents	120 days Does not apply to NH residents	180 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.	Included	Included	Not included (secondary coverage) Included for CT residents
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.	$25,000	$20,000	$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.	$25,000	$20,000	$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.	Included	Included	Included
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.	Yes	No	No
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.	Up to 180 days	Up to 30 days	Up to 30 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.	21 days	21 days	21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.	Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.	Available (75% of insured trip cost up to $7,500)	Not available	Not available
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.	Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.	Available (additional $250,000) Not available to NH residents	Not available	Not available
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.	Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.	Available ($2,000)	Available ($2,000)	Available ($2,000)
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.	Available (100% of insured trip cost up to $10,000)	Not available	Not available
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.	Available (additional $3,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,250) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Our plan benefits and coverage details
Ultimate	Advantage	Essential
Trip cancellation, interruption, delay, and inconvenience
Protects travel investments and recovers nonrefundable, prepaid costs if your trip is canceled for an eligible reason.
100% of trip cost ($50,000 maximum)	100% of trip cost ($10,000 maximum)	100% of trip cost ($10,000 maximum)
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
150% of trip cost ($75,000 maximum)	$125% of trip cost ($12,500 maximum)	100% of trip cost ($10,000 maximum)
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$2,000 ($250 per day maximum)	$1,000 ($250 per day maximum)	$600 ($200 per day maximum)
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$2,000 ($500 per item limit)	$1,000 ($500 per item limit)	$750 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500	$200	$200
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
$750	$500	$150
Reimbursement for travel inconveniences such as a closed ski resort, golf course, or beach at your destination, or cruise disablement due to an eligible reason. Closed attractions: $200 maximum Closed beach: $200 maximum Cruise disablement: $200 maximum
$600	Not included	Not included
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
$1,000,000	$250,000	$200,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$250,000 *$50,000 for NH residents	$50,000	$25,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VT, and WA have a $50 deductible.
$500	$500	$500
If you meet the plan purchase requirements listed, exclusions for pre-existing conditions are waived. Exclusions do not apply to NH residents.
Included if plan is purchased within 21 days of first trip payment and full trip cost is insured	Not included	Not included
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
90 days Does not apply to NH residents	120 days Does not apply to NH residents	180 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
Included	Included	Not included (secondary coverage) Included for CT residents
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
$25,000	$20,000	$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$25,000	$20,000	$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
Included	Included	Included
We can provide coverage at no additional cost to one travel companion aged 17 years old or younger per each insured adult traveler. Each insured adult traveler on the Ultimate plan must be aged 18 years or older for the child to be eligible. The child’s individual trip cost must be equal to or lower than the insured adult’s individual trip cost for coverage to apply. If upgrades are selected and included in the policy, each traveler will be charged the applicable premium for the upgrade.
Yes	No	No
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
Up to 180 days	Up to 30 days	Up to 30 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
21 days	21 days	21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)	Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade, you can be reimbursed up to 75% of your prepaid, nonrefundable trip costs (up to $7,500) if you need to cancel your trip. You must cancel at least two days prior to your scheduled departure date. To get cancel for any reason coverage, you must insure all your nonrefundable trip expenses in your plan, your trip cost can’t be more than $10,000, and you must purchase the upgrade 31 days or more before your departure date. You also must purchase the cancel for any reason upgrade with the Ultimate plan within 21 days of your initial payment for your trip. Subsequent arrangements must be insured within 14 days of booking those arrangements. Cancel for any fortuitous reason in NY.
Available (75% of insured trip cost up to $7,500)	Not available	Not available
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)	Available ($50,000 with a $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
Available (additional $250,000) Not available to NH residents	Not available	Not available
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000	Available (waives exclusions on certain activities) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents	Available ($200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500	Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
Available ($2,000)	Available ($2,000)	Available ($2,000)
Protect travel investments and recover nonrefundable, prepaid costs up to $10,000 per person. This applies if you need to cancel your trip due to your previously approved time off being revoked or your business being rendered unsuitable for business due to an eligible event and you’re required to work during your insured trip. To get cancel for business reasons coverage, you must purchase the upgrade 31 days or more before your departure date. You must also purchase the cancel for business reasons upgrade with the Ultimate plan within 21 days of your initial payment for your trip.
Available (100% of insured trip cost up to $10,000)	Not available	Not available
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
Available (additional $3,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000	Available (additional $4,250) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Important:

^* This coverage only applies to emergency medical expenses that first arise during your trip. You’ll have a $50 deductible if your primary residence is in Connecticut, Indiana, Kansas, Missouri, Montana, Vermont, or Washington. Residents of New Hampshire are eligible for up to $50,000 emergency medical and dental coverage with the Ultimate plan.

Why vacation with our group travel insurance?

You can match your coverage to your trip and move forward with a team that understands the ups, downs, and surprises of travel.

Personalize your policy

With up to nine optional upgrades like cancel for any reason and additional medical, you can add coverage that fits your group travel needs.

Unlock our upgrades

25+ years’ experience

We’ve been leaders in travel insurance for groups for decades — and we continue innovating with award-winning technology.

Meet our team

24/7 travel support

Our assistance provider is here for you when you need help — from passport replacement to finding emergency medical care on your group getaway.

See our assistance benefit

Get to know ourcoverage a little bit more

Gear up for your girls’ trip or family reunion with our group travel insurance plans packed with confidence-boosting benefits.

a woman pulls a yellow suitcase out of a car's trunk while her friends hold it open, insured with group travel insurance

Unpack our benefits

Vacationing with others can be more fun — but also more unpredictable. Our travel insurance for groups of people who live together can help smooth out travel disruptions so you can focus on spending time with your squad. Don’t live together? You can get separate Travelex policies!

Show me the benefits

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Discover our upgrades

Make your trip protection your own. We have up to nine optional upgrades to match your group travel style — whether your crew wants flexibility, extra medical coverage, or adventure activities protection.

Take me to the upgrades

Pack our Travel On app

Keep your policy in your pocket — and more. Travel safer with our app’s tap-to-call 24/7 assistance, destination information, and real-time safety alerts.

Tips and inspiration forgroup vacations

Before you take off, read our guides to plan smarter and travel safer — together.

Couple using a laptop in their kitchen to calculate trip cost for their travel insurance policy

How do I calculate trip cost for each traveler?

Find out which five prepaid, nonrefundable expenses each person on your policy should include in their individual trip cost.

Calculate your trip cost

Family of four on a laptop in their kitchen, going over a travel insurance checklist

What details do I need to know for my group travel insurance quote?

A little prep can go a long way when it comes to travel insurance for your group. Discover the trip and traveler details you’ll need for your policy purchase.

Travel insurance checklist

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How much does group travel insurance cost?

Check out our list of seven factors that can impact what you’ll pay for your coverage — from the traveler’s age to trip length.

Understand policy pricing

Get more travel tips

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Want to know more about our group travel insurance?

We’re here to help you find our best travel insurance for your group — from friends to family and beyond.

Group travel insurance can help your crew handle unexpected hiccups like cancellations, delays, or emergency medical costs when you take a trip together.

At Travelex, you can get travel insurance for your group in two ways:

Put up to 10 travelers living in the same household on one policy.
Have each traveler buy their own individual policy if your group includes people from different households or more than 10 travelers.

Both options work well, depending on how your group is organized and how you like to travel.

Why one household policy can be a great fit:

You can simplify planning and communication with one set of shared trip details.
You may save on cost with perks like kids-included pricing on our Ultimate plan.

Why individual policies might work better:

Each traveler can choose their own plan and upgrades based on their travel needs, activities, and budget.
Everyone gets more flexibility — travelers can arrive earlier or later or adjust their itinerary without relying on a shared policy.

Each traveler on a Travelex group travel insurance policy gets their own set of benefits based on their personal trip cost. That means no one has to dip into a shared pool or “use up” someone else’s limit.

Want an example of how our group travel insurance works? Imagine you’re heading to Hawaii with your spouse. When you get your quote, you’ll enter each of your individual trip costs. If you choose the Ultimate plan with up to 100% (up to $50,000) trip cancellation coverage, each of you is eligible for the total benefit limit — not a shared one.

So, if your trip cost is $4,000 and your spouse’s is $3,500, those amounts become your individual limits for an approved trip cancellation claim. You can each get protection for the trip cost you paid, up to the plan’s limit, without affecting each other’s benefits.

Group travel insurance helps keep things simple for those traveling from the same household: You manage just one policy, but everyone can still get protection that applies to them personally. If two travelers deal with delays, each person can use their own travel delay benefit. If someone’s bag goes missing while the rest of the crew’s stuff arrives smoothly, only the traveler with the issue files a claim — and their benefit applies just to their situation.

The greatest travel insurance for your group depends on your trip plans, budget, and the amount of coverage you and your fellow travelers want.

At Travelex, our best travel insurance for groups is our Ultimate plan. It offers a strong mix of pre-trip and on-trip benefits and our highest benefit limits. It’s also our best family group travel insurance plan, because it’s our only option offering kids-included pricing.

Remember, you can always choose individual policies if your travelers want different types of protection. For example:

If someone doesn’t need pre-trip cancellation benefits, they might prefer our Travel Med Go plan.
If another traveler only wants flight-focused protection, our flight plans offer a simple, streamlined option.

Each person can pick the plan that fits their own trip, even when you’re all traveling together.

We have a range of budget-friendly options for group trips. If you’re looking for cheap group travel insurance, our Essential plan is a simple and lower-cost option while still offering key benefits like:

Trip cancellation and interruption
Travel delay
Emergency medical
Baggage protection
24/7 emergency assistance

Yes. Travelers listed on the same policy don’t need to take the same flights or follow the same daily schedule. If your group likes to split up (whether for hiking, spa time, or chasing down that one museum someone insists on seeing), that’s completely fine.

The only thing to keep in mind is that all travelers must share the same travel dates and primary residential address to be on the same policy. If your group includes people from different households who will be arriving or departing separately, no problem — each person can purchase their own individual Travelex policy for the same vacation.

Group travel insurance doesn’t automatically cost less than individual plans. Pricing depends on factors like:

Each traveler’s age and trip cost
Your group’s travel dates
Your chosen plan and upgrades

For households traveling together, a shared policy can simplify planning, but the cost still reflects each traveler’s details. For groups with mixed travel styles or a wide range of ages, buying individual plans can sometimes create a better fit. Each traveler pays for what they choose, and everyone receives the protection that makes the most sense for their part of the trip.

Tip for families: Our Ultimate plan offers kids-included pricing, so you can get coverage for one child per insured adult at no extra cost. This can help you save money on coverage for your children, as long as:

The child is 17 years old or younger.
The insured adult is 18 years old or older.
The child’s trip cost is equal to or less than the insured adult’s individual trip cost.

Note: If you add upgrade to your policy, we’ll charge each traveler the upgrade cost, including kids.

Yes. When you add upgrades to a shared policy, every traveler on that policy can benefit from those upgrades. This makes it easy to enhance the entire group’s protection with options like additional medical, adventure activities, or cancel for any reason*.

If some travelers want different upgrades, then individual policies offer more flexibility. Each person can choose their own plan and select only the upgrades they want.

*Cancel for any fortuitous reason for residents of NY.

If you’re traveling with coworkers who live in your household, you can get group business travel insurance for up to 10 people on one policy. However, most business groups include colleagues who live separately, so each person would need to purchase their own policy for the same trip.

Individual plans let every employee pick the coverage that fits their budget and preferences. Whether your team is attending a conference, hosting a company event, or heading out for a corporate retreat, everyone can travel with the protection that suits them best.

If someone in your group can’t travel for a covered reason and you have our Ultimate, Advantage, or Essential plan, here’s how our trip cancellation benefit can help:

If the person who can’t travel has Travelex coverage, they’re eligible for reimbursement based on their individual trip cost.
If the person who can’t travel is or isn’t on your policy, you can use your trip cancellation benefit if your traveling companion cancels because of sickness, injury, or death.

Still want to take your trip? Go for it! Your personal benefits will apply to your individual trip cost.

Want to change your travel dates before you depart? You can easily edit your policy online.

We recommend buying travel insurance for your group trip as soon as you make your first trip payment, whether it’s a deposit, flight booking, or tour reservation.

Purchasing our Ultimate, Advantage, or Essential plan early means you can make the most of your pre-trip cancellation benefit. If you choose our Ultimate plan, buying early also helps with eligibility for pre-existing medical condition coverage and our cancel for any reason upgrade.

If you’re booking close to your departure date, you can still get a Travelex plan — just remember you may not be eligible for certain plans or upgrades. Our Travel Med Go plan is a great last-minute option for spontaneous group travel.

See our FAQ hub

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