Group travel insurance

janey70

Hi I’m travelling abroad soon with my daughter, her partner and child 
I booked and paid separately to them even though we are travelling together and staying at same hotel 
my question is can I buy group/ family travel insurance for us all ? Or will I have to buy mine separately? 

Thanks for any help 

Mark_d

Your trip is the same.  The travel insurance covers the trip.  So you can buy travel insurance as a group.

That being said it might not necessarily be the best option.  It might make sense for your daughter's family to get an annual policy whilst you get a single trip policy.  You can try getting quotes online

janey70

Mark_d said:

Your trip is the same.  The travel insurance covers the trip.  So you can buy travel insurance as a group.

That being said it might not necessarily be the best option.  It might make sense for your daughter's family to get an annual policy whilst you get a single trip policy.  You can try getting quotes online

Thanks but why do you say annual when it’s a one off trip ? 

Brie

Sometimes there's little difference in price between a single trip policy and an annual one.  In some cases it may actually be cheaper.  

The problem that I would worry about is that if something happens to cancel the trip at the last moment (daughter breaks her leg or something) then would your insurance cover you for cancelling when you were not actually effected?  Or if it does cover cancellation in this instance would there be 2 deductibles?  It may be best to have insurance (whatever you all get) to be with the same provider.

janey70

Brie said:

Sometimes there's little difference in price between a single trip policy and an annual one.  In some cases it may actually be cheaper.  

The problem that I would worry about is that if something happens to cancel the trip at the last moment (daughter breaks her leg or something) then would your insurance cover you for cancelling when you were not actually effected?  Or if it does cover cancellation in this instance would there be 2 deductibles?  It may be best to have insurance (whatever you all get) to be with the same provider.

That’s a very good point you made I didn’t think of it like that think I will deffo buy my own thanks 

DullGreyGuy

Mark_d said:

Your trip is the same.  The travel insurance covers the trip.  So you can buy travel insurance as a group.

That being said it might not necessarily be the best option.  It might make sense for your daughter's family to get an annual policy whilst you get a single trip policy.  You can try getting quotes online

Though note that not all being on the same policy then it's possible that you may not all be covered for the same events. For example if you have a pre-existing condition that your insurers agree to cover and you have a minor flare up which means you cannot travel their travel insurance wouldnt cover them not travelling. So would they still go on the trip without you? 

sheramber

DullGreyGuy said:

Mark_d said:

Your trip is the same.  The travel insurance covers the trip.  So you can buy travel insurance as a group.

That being said it might not necessarily be the best option.  It might make sense for your daughter's family to get an annual policy whilst you get a single trip policy.  You can try getting quotes online

Though note that not all being on the same policy then it's possible that you may not all be covered for the same events. For example if you have a pre-existing condition that your insurers agree to cover and you have a minor flare up which means you cannot travel their travel insurance wouldnt cover them not travelling. So would they still go on the trip without you? 

Or the other way found.

Would you want to travel if they were unable to travel for some reason.

Much better to be on a group policy.

Cheaper is not always the best option