school group travel insurance

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The Best Group Travel Insurance Companies of 2024

Buying group travel insurance for a trip can financially protect you and your travel companions if the itinerary doesn’t go as planned.

Taylor Medine is a personal finance writer who focuses on demystifying related topics for people like her — the everyday consumer. Her work has been published by FinanceBuzz, Credit Karma and Experian.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Based on our research, Travelex is our top recommended travel insurer for groups thanks to its streamlined enrollment process, which covers up to 10 travelers under one application. Its affordable policies are also beneficial for parents traveling with children — adult policies include one child under age 17 without an extra premium.

If you’re traveling with others, you may benefit from buying group travel insurance. Group travel insurance bundles coverage between family or friends taking the same trip, offering more affordable policies and convenience for the whole group.

Can You Get Travel Insurance for a Group?

Yes, you can get travel insurance for a group, but group members must have similar travel itineraries. Many travel insurance websites let you pull quotes and purchase group travel insurance plans online. Group coverage can be for family members or between friends.

Group travel insurance typically covers emergency medical expenses and evacuations, luggage loss or delay and cancellations due to sickness or death. Groups can also choose to tack on add-ons such as Cancel-for-any-reason (CFAR) coverage.

Top 7 Best Travel Insurance Group Travel Insurance Companies

Here are our top picks for companies that offer group travel insurance:

• Travelex : Our pick for families
• Faye: Our pick for an all-online experience
• Seven Corners : Our pick for international travelers
• Nationwide: Our pick for cruise travel
• Tin Leg: Our pick for customizable coverage
• AXA: Our pick for leisure travelers
• Allianz Global Assistance: Our pick for concierge services

We created a hypothetical group trip to gain an estimate of costs for each insurer. We based our cost analysis on a group of 10 traveling from Massachusetts to the Dominican Republic for two weeks in June. Five travelers are 34 years old, and five travelers are 40. The trip costs $2,500 per person or $25,000 total.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Compare Travel Insurance Companies For A Group

Pros & Cons

Travelex is Our pick for families for group travel insurance. With a Travelex plan, you can cover up to ten people in your group under a single plan. This simplifies the enrollment and claims process and can help you save money compared to purchasing plans individually. Additionally, adults with a travel plan receive coverage for children under 17 for no additional cost. 

Travelex also offers a flexible cancellation policy, cancel for any reason coverage worth up to 75% of trip costs, and several plan add-ons. 

Add-on options 

• Adventure sports coverage
• CFAR coverage (up to 75% of trip costs) 
• AD&D and medical benefit upgrades 
• Car rental collision 

Faye Travel Insurance made our list of the best group travel insurance providers thanks to its convenient application process. With Faye’s automated underwriting, most applicants can buy travel insurance for a group in less than 10 minutes. You just have to enter each person’s email and date of birth to see group pricing.

You can adjust pricing data and add optional coverages from the purchase page, making Faye a good choice for quick, convenient quotes. If your trip is interrupted, Faye offers unique add-ons that suit a range of traveler needs, including rental car and pet coverage.

Add-on options

Faye travel insurance offers the following add-on options for group policies:

• Cancel for any reason (CFAR) coverage
• Rental car coverage
• Adventure and extreme sports protection
• Vacation rental damage protection

A group of 10 travelers taking a 14-day trip to the Dominican Republic valued at $10,000 can expect to pay $977 for coverage, which averages out to $98 per traveler.

We like Seven Corners coverage for international travel because even the most basic policies let you add Cancel for Any Reason (CFAR) coverage. This gives you the flexibility to call off a trip and get reimbursed for reasons not typically covered by insurance, like work or school obligations. For big groups putting down a large deposit on a getaway, this coverage can give you peace of mind.

Seven Corners also offers COVID-19 protections. For example, insurance coverage can reimburse you for medical costs if someone in the group catches COVID-19 during the trip. Seven Corners RoundTrip policies are underwritten by the United States Fire Insurance Company, which gets an A rating from AM Best.

Add-On Options

• Cancel for any reason coverage (CFAR)
• Trip interruption for any reason coverage
• Rental car damage coverage
• Sports and golf equipment coverage

Nationwide specializes in cruise travel insurance, a boon for groups taking to the high seas for a getaway. With cruise coverage, you can get reimbursed for costs incurred if a cruise line’s itinerary changes because of fire, mechanical problems or other issues.

Aside from those cruise-specific coverages, Nationwide provides other basic travel protections for emergency medical expenses and lost, stolen or delayed baggage problems. Nationwide policies don’t come with special pandemic coverage that some other insurers on our list, but they have medical expenses and cancellation coverages, which could pay medical costs and prepaid travel costs if you get sick while on your cruise.

You may be able to include the following add-ons to your policy:

• Cancel for any reason coverage (higher level plans)
• Rental car collision and loss coverage
• Accident death and dismemberment coverage

Tin Leg offers a variety of policies, giving passengers the ability to highly customize their trip insurance.

For example, the Tin Leg Adventure policy protects from sport-related problems, like lost equipment, equipment delivery delays and canceled sporting events fees. A policy like this can make sense if you’re planning a group golf or fishing trip, for example.

Different companies underwrite Tin Leg policies, and the AM Best rating for those companies varies. Berkshire Hathaway Speciality Insurance is one underwriter, and it has an A++ (Superior) AM Best financial strength rating. Spinnaker Insurance Company is another underwriter with an A- rating.

You may be able to include the following add-ons to premium policies:

• CFAR coverage

AXA offers one of the most affordable plans on our list, ideal for leisure and budget travelers. Basic insurance comes with trip cancellation and interruption coverage, plus protections for medical emergencies.

Cancel for any reason insurance isn’t available in AXA’s Silver policy plan, the  cheapest travel insurance  option. CFAR becomes an add-on option if you upgrade to a Platinum policy, but that costs more. In our trip scenario, the policy rate increased by more than 50% when pivoting from the Silver to the Platinum package.

Customizable add-ons are available if you upgrade from basic AXA coverage to more premium policies. With a premium plan, these add-ons may be an option:

• Collision damage waiver

Allianz Global Assistance is a popular travel insurance provider that serves more than 55 million customers. We like that Allianz Global Assistance provides a 24-hour concierge service you can use to plan trip events, make reservations and more.

Basic plans also come with pandemic coverage, so you won’t lose all your trip costs if you come down with COVID-19 before or during the trip. CFAR insurance is an add-on option if you upgrade to the company’s OneTime Prime or OneTime Premier plans.

• Rental car protection
• Cancel for any reason coverage (higher-level plans)

What Do Group Travel Insurance Policies Cover?

Travel insurance is financial protection you can buy to mitigate the risks associated with travel. It typically covers a range of potential mishaps, such as trip cancellations and lost baggage . Policies compensate you for non-refundable trip expenses, medical emergencies and evacuations. What is coverage and what is not depends on your specific policy details.

Some groups considering travel insurance may like the reassurance that their financial investment is protected in the face of unforeseen events. Group travel involves coordinating the plans and schedules of multiple people, making it more susceptible to disruptions caused by illness, flight delays and other unexpected incidents. Travel insurance can offer peace of mind by providing financial protection and streamlining the process of addressing unforeseen challenges.

Travel insurance coverage includes multiple types of protections, depending on the insurer. Common coverages include:

• Trip cancellation: Group travel insurance often includes trip cancellation as base coverage, reimbursing the costs of your prepaid, non-refundable trip expenses in case of an unforeseen event. To qualify for this coverage, a group member must suffer a qualifying event as named in the policy, like a storm causing a flight cancellation.
• Emergency medical: Depending on your health insurance provider, you could be liable for a percentage of any hospital bills you incur if injured outside the U.S. Emergency medical protection ensures that group members receive medical assistance and coverage for unexpected medical expenses while traveling. It covers illnesses, injuries, hospitalization and emergency medical evacuations.
• Travel delay : Insurance can compensate for additional expenses (accommodations, meals and transportation) incurred because of a covered delay, such as flight cancellations or severe weather waits for a cruise.
• Evacuation: Emergency evacuation coverage is important in remote and international destinations. It covers the costs of medically necessary evacuations, such as airlifting travelers to the nearest suitable medical facility if appropriate care is not available locally.
• Trip interruption: If your group’s trip is cut short because of unforeseen circumstances, such as a family emergency or severe illness, trip interruption coverage can help reimburse the unused portions of your trip. It can also cover the cost of booking new flights home, which is why it usually has a higher coverage percentage than cancellation coverage.
• CFAR coverage: CFAR coverage is an add-on that provides flexibility to cancel your trip for reasons outside those listed in your policy. While it often comes at an additional cost, CFAR allows you to recoup a significant portion of your prepaid expenses if you decide not to travel for personal reasons, providing an exceptionally high benefit for expensive group trips.

Common Add-ons

Add-ons for travel insurance can vary, but some may include:

• Accidental death and dismemberment coverage
• Sporting and golf equipment coverage

Considering COVID-19

We still live in a world where COVID-19 is an active virus that could throw a wrench into travel plans. Travel insurance may cover your group members if their trip is canceled or interrupted due to a medical illness, such as catching COVID-19. However, canceling due to fear of travel alone may not be covered. Reading the terms of your policy can help you understand how you’re protected.

How Much Does Group Travel Insurance Cost?

According to our research, the average cost of a travel insurance policy for groups is $335. However, the actual cost of your group plan may vary based on the number of travelers, traveler ages, destination, total trip cost and provider chosen.

Use the calculator below to help estimate the cost of your group’s travel insurance policy.

Factors Impact The Cost of Group Travel Insurance Cost

Many factors affect the cost of a group travel insurance policy, including:

• The number of people: The number of people traveling is the primary influence of price. For every person included in the policy, the insurer takes on a new level of risk by providing all travelers with individual protections. You can expect to receive a general discount for every traveler you add, but the overall cost goes up as your group size increases.
• The magnitude of the trip: The duration of your trip also adds more risk to the insurance provider, increasing costs. The longer your trip, the more opportunities for something to go wrong. If you’re traveling to a remote location where medical or political evacuation may be more likely, you can expect to pay more for travel insurance.
• The cost of the trip: Like individual travel insurance, your trip cost directly affects the coverage price. Trip cancellation and interruption levels depend on each individual’s non-refundable expenses. As individual trip costs increase, the total price of your trip coverage also increases.

Buying travel insurance as a group presents opportunities to save on individual coverage, but you can follow a few strategies to lower costs even more. Start by collecting quotes from each of the top group insurers on our list to see which offers the most affordable policy . Because of differences in underwriting processes, finding the same coverage at different prices between insurers is possible.

Tailoring the insurance plan to meet your group’s specific requirements is another good tactic that allows you to avoid unnecessary expenses and find adequate coverage. Weigh if you need any add-on coverages, and consider medical-only coverage if your group is less concerned about cancellations and interruptions. For frequent travelers, looking at annual policies covering multiple trips is a cost-effective alternative to buying separate policies for each journey.

Is Group Travel Insurance Worth It?

Getting group travel insurance with people sharing the same itinerary and travel reservations can make sense. Managing one policy can be convenient, and you’re aware that each person you’re responsible for on the trip has adequate protection.

For friends, students , and extended family coming from different places and meeting up at a location at different times, you’re better off going with separate coverage. That’s because you need to provide similar travel dates and the same trip destination to get a quote. And from a planning standpoint, it would likely be easier to manage policies for separate itineraries individually.

Ask an Expert

We asked four experts to share insights on how to save money on trip expenses, which you can apply to your group travels.

you want to spend for the vacation. You can then break it down for each day of travel. Think about the reason for your trip. If you are trying to enjoy the outdoors, keep your accommodation costs at a minimum. Hostels or homestays can be much more economical than hotels, where you may not even spend much time. Look for last-minute deals on Kayak, TripAdvisor, etc., and travel during low season. “

the off-season. Even though summer is the busy travel season, some destinations are more popular in fall, winter or spring. For example, some popular destinations in Mexico are more humid in the summer and resorts may offer discounted rates compared to busier winter or spring seasons. If traveling to a bigger city, consider staying outside the city center where you can often find cheaper lodging.  “

on items you don’t truly need. Also, while we strive for flawless travel experiences, reality often throws us curveballs. Have a contingency plan ready for inclement weather or unexpected closures of venues. Flexibility is key to ensuring a smooth journey. “

of transportation, accommodations, food and drink, entrance fees, etc., remember that you may need a passport, passport renewal or a visa. Sometimes we forget to investigate the status of our documents or are not aware of regularly changing entrance requirements. Also, local transportation costs (gas for your rental car or subway, bus or taxi fare) are sometimes forgotten but can add up. When choosing airfare, be honest with yourself about how much luggage you will take, as there is often a baggage fee, which for some airlines is more expensive than airfare. Also consider if you might be interested in add-ons, such as fast passes at theme parks or a beverage package on a harbor cruise. “

Proin id dui odio. Sed vehicula eget sem vel dapibus. Nam a semper eros, vitae eleifend metus. Sed eget lorem vestibulum, consectetur sem id, molestie erat. Vivamus a purus lacinia, fringilla nibh eu, tincidunt tellus. In sodales, sem non finibus sodales, dolor nisi viverra nulla, ut tempus magna nisi sit amet lacus. Integer hendrerit tristique metus. Sed posuere blandit augue, non commodo nunc laoreet vitae. Fusce et hendrerit purus, eget mattis ante. “

Frequently Asked Questions About Group Travel Insurance

Is it better to buy travel insurance as a group or individual.

It depends on your travel plans. If you’re traveling in a group with shared plans, buying group travel insurance can be an affordable and easy way to obtain coverage.

For people traveling from separate locations with different itineraries, getting individual policies is a better way to get the best coverage for everyone going on the trip.

What is group travel insurance?

Group travel insurance policies are travel insurance policies that cover several members, such as 10 or more, taking a trip together.

What is the difference between group travel insurance and individual travel insurance?

Group travel insurance policies are for larger groups. An individual travel insurance policy can cover you and other travelers, like your children or your partner — but it doesn’t cover members of a larger party like group travel insurance does.

Is it cheaper to get travel insurance as a group?

It depends. Factors like the trip cost and how many people are going can all contribute to the price. Comparing rates with different providers can help you find the most affordable policy with coverage that’s sufficient for your getaway.

Other Insurance Resources From MarketWatch Guides 

Gain insight into our ratings for the best home, renters, pet, travel or life insurance providers and find affordable recommendations for necessary insurance products.

• Prominent Pet Insurance Companies
• Premier Travel Insurance Companies
• Outstanding Homeowners Insurance Providers
• Top Renters Insurance Firms
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Methodology: Our System for Ranking the Best Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

More Travel Insurance Guides

• Best covid travel insurance companies
• Best cruise insurance plans
• Best travel insurance companies
• Cheapest travel insurance
• Health insurance for visitors to usa
• Best senior travel insurance
• Best travel insurance for families
• Best student travel insurance plans
• Travel insurance for parents visiting USA
• Best travel medical insurance plans
• How much does travel insurance cost?

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

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School Group Travel Insurance

In today’s changing travel environment, it’s important to protect your travel investment so you can relax and enjoy your trip.

Unforeseen events such as flight delays, baggage loss or even a sudden sickness or injury could impact your travel plans. For your convenience, we offer a Travelex Insurance Services protection plan to help protect you and your travel investment against the unexpected.

For more information, click here to view the Group Choice Plus Product Flyer.

For questions regarding benefits or coverages, please contact Travelex Insurance Services at 844-240-8392 and reference plan number GPPZ-1023 .

Click here to view/download the Policy based on your state of residence.

The product descriptions provided here are only brief summaries. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. Travelex Insurance Services, Inc. CA Agency License #0D10209. Travel Insurance is underwritten by Berkshire Hathaway Specialty Insurance Company; NAIC #22276. W0U

Student Insurance

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We are Student Group Travel Insurance Experts.

Traveling as a student group is exciting, but it's essential to be prepared for any unexpected situations. Be Savvy!

Why Groups Partner With Us

With every journey, ensure you're making the smart, informed choice. Go Savvy!

Exclusive Group Plan

Beyond our partnerships with top-rated insurers, we have created our own exclusive plan, specifically designed for student travel.

Beyond our partnerships with top-rated insurers, we have created our own exclusive plan, specifically designed for student travel. This plan ensures essential coverage and support, meticulously addressing the unique needs of student groups where we saw room for improvement.

Group Insurance Experts

We’re partners with top-rated insurers, ensuring that student groups receive comprehensive coverage.

We’re partners with top-rated insurers, ensuring that student groups receive comprehensive coverage. Our expertise allows us to select plans that best fit the unique needs of each group.

Savvy Service

Providing unparalleled support, from explaining policy benefits to claim assistance, we ensure a seamless process for trip coordinators and simplicity for students and parents.

Providing unparalleled support, from explaining policy benefits to claim assistance, we ensure a seamless process for trip coordinators and simplicity for students and parents. Our dedication extends throughout the entire journey, guaranteeing peace of mind from start to finish.

No Matter Who You Are, We've Got You Covered!

With extensive experience working with a wide range of group sizes and itineraries, we're ready to insure your next trip!

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Senior class trip, civics tour of Washington D.C., or geography excursion to the Grand Canyon? No matter the purpose, educational level, or number of students, our student group plan safeguards against unexpected travel issues, easing parental worries and enabling organizers to focus on creating the best student itinerary.

The Importance of Travel Insurance for Student Trips

Medical and safety net.

Access to medical care in case of health issues during the trip, without worrying about the costs.

Protection Against Unforeseen Events

Coverage for travel delays, cancellations, or emergencies that can disrupt plans.

Peace of Mind

Reduces anxiety for students, parents, and organizers, knowing there’s a plan in place for unexpected scenarios.

Focus on the Experience

With insurance concerns handled, students can concentrate on the educational and cultural aspects of their trip.

Savvy Travelers Choose Us

“The experience working with Savvy was impeccable. It couldn’t be better”

Middle-School Principal

"Aside from the direct, positive impact it had on camp enrollment, it saved me hours of time not having to involve myself with refund requests and other unexpected situations."

Camp Regional Manager

“Not only was I impressed with how easy the group purchasing process was with Savvy, they patiently answered my questions helping me understand travel insurance. We now use them for all our trips!”

School Trip Coordinator

Most Common Questions

Asked by Schools, Camps and other Trip Organizers

Does student travel insurance cover expenses for trip organizers like schools and camps, or only the costs incurred by parents and students?

Student travel insurance specifically reimburses parents and students for their prepaid, non-refundable trip expenses. The coverage is designed to protect travelers' investments in their journeys, focusing on the financial risks faced by parents and students, rather than covering the expenses of trip organizers.

Can schools, camps, or other trip organizers benefit from offering travel insurance to their participants?

Absolutely. Providing a travel insurance option can be advantageous for trip organizers such as schools and camps. It tends to encourage more participants to sign up by offering them peace of mind. Given the often lengthy period between when significant payments are made and the actual departure date, travel insurance reassures parents and students that their financial investment is protected. In case of unforeseen circumstances leading to cancellation, the coverage ensures that the participants are reimbursed, safeguarding their money.

How complex is the process of integrating travel insurance for our school trip, camp, or missions? Will it require significant time and resources?

Implementing our group travel insurance for your program is designed to be as straightforward and hands-off as you prefer. We've set up a system where the process can be as simple as sharing a customized trip link with parents and students. Our team provided full support for any questions or concerns, allowing you to concentrate on organizing the trip itself.

We customize our approach to meet the specific needs of each organizer, ensuring you're fully informed and supported, with minimal demands on your time and resources.

Is it possible to insure the cost of a trip covered by a scholarship?

Yes, through a separate individual insurance plan which we can offer. While the student group plan only covers trip costs paid for by parents or students, we can provide a supplemental, individual plan, specifically to cover any trip costs paid for with scholarships. As a travel insurance agency, Savvy works with multiple A-rated insurance companies. Although this coverage would not include the Cancel For Any Reason (CFAR) benefit, we will research and recommend the policy most suited for your trip.

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Buying Travel Insurance for School Trips

Student trips are a great privilege.  The mix of travel and education can enrich lives and create lasting memories. Although most memories are good, sometimes incidents happen that can halt a trip and leave a bad taste in everyone's mouth.

One way to protect your students is to talk to your travel agent about group travel insurance. Unlike the every man for himself approach individual travel insurance policies take, group travel insurance keeps everyone on the same policy with the same level of protection.

For a more in depth look on the benefits of student group travel insurance, check out these 5 reasons.

1. PREMIUM PAYMENTS

The way group travel insurance payments is modeled is a lot like how you'd pay for your group's hotel. You find the plan you want, get everyone that's included on the list, and then you pay. We recommend paying for your insurance 3 weeks to 15 days before your departure.

Note: it's very important that you have all your group members verified before paying for your TravelSafe policy. You cannot change who is or isn't on the policy after you've paid!

2. PRIMARY MEDICAL

If one of your students needs to see a doctor while abroad, you're going to want to make sure they are covered before the trip. Otherwise, their parents may be stuck footing the bill as most health insurance plans do not cover insureds while abroad.

Most of our group policies offer primary medical coverage. This means that a medical claim can be filed directly with us even if the student has other medical insurance. This also means  your students have medical coverage for emergencies, and the plan won't need to tap into their health insurance at home. It won't affect coverage limits of their health insurance plan or require a deductible.

When considering a group travel insurance policy, make sure to ask your travel agent whether their medical coverage is primary or secondary. That little bit of extra research will help consolidate your claims process if need be.

3. CHAPERONE PRICES

Not only do student group policies cover students up to 25, there are also advantages for chaperones over 25. If a student group purchases student travel insurance, then chaperones pay the student premium. It is a benefit that helps keep prices reasonable.

There is one caveat – the student price goes to one chaperone per five students. So if, for example, there were 15 students, then 3 chaperones would get the student pricing.

4. EMERGENCY ASSISTANCE

Travel insurance protects travelers from the unpredictable, which makes it an important piece to any trip. Unpredictable moments can really throw a wrench into any trip. When one person experiences a mishap, the entire group doesn't need to suffer. Travel insurance with emergency assistance can keep the group on track.  

On Call International is TravelSafe's emergency assistance provider. They're there to step in and take care of business so group travelers can stay on schedule. Plus, they also offer 24-hour concierge service.

One agent told us about how he didn't have to stay bedside in Ireland for a client, as On Call was on the ball. The tour he had set up was able to continue, while one of the travelers was being treated. Talk about a happy ending for everyone!

5. EASES LIABILITY

A trip cancellation can incur quite a few penalties. Purchases such as flight, hotel, and even some tours are non refundable, meaning you just flushed a ton of money away. This can lead to a lot of angry and disappointed parents looking to the school for answers.

That's where travel insurance comes in, not only to protect the school from liability issues, but also as part of your emergency and disaster preparedness planning. It's overall less of a hassle for you, and there if things go south.

So, when working with your travel agent on the best student group travel insurance plans, keep these 5 things in mind. If you're smart about coverage now, you'll be thankful if anything happens later.

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Do You Need Group Travel Insurance?

Group travel insurance can help protect you from financial losses while traveling with multiple people..

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Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.

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Updated October 10, 2023

Table of contents

• Group travel insurance
• How it works
• Who should consider it
• Filing a claim
• Choose the best insurance

Group travel is an exciting way to explore the world while making deeper connections with your fellow travelers. But like any form of travel, it comes with certain risks.

Enter group travel insurance — a type of insurance policy that helps protect you and your travel companions from unexpected events, including medical emergencies and flight delays or cancellations.

Here’s what you need to know about group travel insurance, how it works, and when it might make sense for you to add it to your trip plans.

What is group travel insurance, and why is it important?

Group travel insurance is a type of insurance policy that covers a group of people taking a trip together. This could include families, friends, school groups, or sports teams. While what’s considered a group varies by insurer, it generally refers to 10 or more people traveling together.

Group travel policies and individual travel policies are similar in that they both provide coverage for common travel-related risks, including trip cancellation, lost luggage, and medical costs. Group travel insurance extends this coverage to a larger number of people.

When deciding whether to insure a group of travelers, travel insurance companies typically look at the number and ages of the people traveling, the total trip cost, and the destination. Some insurers may also impose age restrictions for group travel insurance. That’s why it’s important to carefully review the terms and conditions of your group travel policy to understand its specific coverage, limits, and exclusions.

How group travel insurance works

If you’re thinking about purchasing group travel insurance, it’s helpful to understand how it works and what you can expect to pay for coverage. Here’s what you need to know to make an informed decision.

Coverage options

The type and amount of group travel coverage you need depends on the needs of your specific group. Coverage options may include but aren’t limited to trip cancellation, travel delay, emergency medical care, trip interruption, and medical evacuation. Generally, travelers must be going to the same destination and have similar travel dates to qualify for group coverage.

Cost of group travel insurance

In general, you can find plans for as low as $600 and up to $1,600 or more depending on the coverage offerings. [1]

The cost of group travel insurance depends on your trip details, including your destination, group size, ages of travelers, and trip duration. International travel may cost more than travel within the U.S.

Group travel insurance policies usually have different tiers. For example, Allianz offers basic, prime, and premier group travel insurance plans. As the name suggests, the basic plan offers the least coverage and benefits but has the cheapest rate.

Here are the potential costs of an Allianz travel insurance policy for a group of six people aged 30 to 50 traveling to Spain for one week.

Basic group travel plan: $844 ($140.67 per traveler)

Prime group travel plan: $1,147 ($191.17 per traveler)

Premier group travel plan: $1,524 ($254 per traveler)

Benefits of group travel insurance

Group travel insurance policies offer various benefits to travelers, including:

Financial protection

Group travel insurance offers financial protection from a range of potential risks. For example, if you have to cut your trip short due to a covered injury or illness, group travel insurance may reimburse nonrefundable expenses, such as prepaid hotel stays. [2]

Emergency medical care coverage

Doctor’s visits and emergency evacuation are usually covered under group travel insurance. Additionally, some insurers started providing epidemic coverage during the COVID-19 pandemic.

Trip interruption and cancellation coverage

Trip cancellation coverage offers reimbursement if someone in the group has to back out due to sickness, a death in the family, or other situations covered by the policy.

Similarly, if you or another person in the group has to leave a trip early due to a covered reason, trip interruption travel coverage reimburses you for certain nonrefundable expenses, such as the unused portion of your hotel stay.

Baggage loss coverage

Baggage loss coverage will reimburse you for your missing luggage and personal items, usually up to a specific dollar limit — such as $200 or $500, but the exact limit varies by insurer. [3]

Peace of mind during travel

You’ve put time, effort, and money into planning the perfect adventure. Group travel insurance can provide peace of mind, knowing you’ve done everything you can to ensure your trip’s success.

Who should consider group travel insurance?

If you fall under one of the categories below, group travel insurance may be worth looking into before your trip.

Business groups: Companies organizing conferences, retreats, or other business trips for employees may want to consider group travel insurance.

Student groups: Group travel insurance can protect students and teachers during field trips, study abroad programs, or other types of travel.

Family groups: If you have a large family, group travel insurance can provide coverage for all family members, for a single trip, under one policy.

Sports groups: Sports teams traveling for competitions and tournaments may opt for group travel insurance to protect athletes and staff.

Wedding parties: Couples planning destination weddings may arrange group travel insurance for their wedding party and guests.

How to file a group travel insurance claim

Filing a claim on your group travel insurance policy includes the following steps.

1. Collect required documentation

The specific documentation will vary depending on the insurer’s requirements and claim type but may include:

Completed claim form

Copies of your medical bills

Hospital discharge paperwork

Copy of your passport

Copy of your airline ticket and boarding pass

Letter from your airline confirming your lost luggage

Receipts for missing items purchased due to lost or delayed luggage, such as toiletries or clothing

2. File the travel insurance claim

Filing a travel insurance claim follows a similar process to any other insurance claim. You should notify your insurer, ask any questions you have about your coverage, and gather supporting information and documents.

Some insurers have an online portal that allows you to file claims and upload required documentation all in one place.

3. Settle the claim

The time it takes to process and settle a group travel insurance claim depends on the type of claim and the documentation required.

After filing a claim, keep an eye on your email, as your insurer may contact you for clarification or additional proof. Responding to such communications quickly ensures your claim won’t have any delays.

How to choose the best group travel insurance

Here are some tips to help you choose the best group travel insurance plan for you:

Understand the needs of your group

Start by understanding the needs of your group and making sure the coverage works for everyone. For example, if someone in your group has pre-existing medical conditions, you want to make sure it’s covered under the policy.

Compare different insurers

Rates and coverage vary by insurer, so comparing group policies from multiple insurers is one of the best ways to find a plan that works for you and your fellow travelers.

Assess the coverage options

Carefully review the coverage options offered by the policy to determine if it’s adequate for your group’s specific needs. Don’t hesitate to reach out to the insurance company to clarify any of the coverage details.

Group travel insurance FAQs

If you’re planning for an upcoming group trip, this additional information may help as you research your travel insurance options.

Can you buy travel insurance for a group?

Yes. You can generally buy travel insurance for a group of people. However, some insurers may have restrictions based on group size, how many days of travel are planned, and the trip destination. Enter your trip details into an insurance-comparison website to view plans your group may qualify for.

Is it better to buy travel insurance as a group or individually?

It depends. Whether you should purchase an individual or group travel insurance plan varies depending on your specific situation. The main benefits of group travel insurance are convenience and potential cost savings. If you’re on the fence, compare options for individual plans and group travel insurance coverage, considering price, coverage, limits, and exclusions.

How many people are required to qualify for group travel insurance?

This varies by the insurance company, but generally, groups of 10 or more people are eligible for a group travel insurance policy.

What happens if a member of the group falls ill or has an accident?

If someone in your group becomes ill or injured, the first thing to do is seek medical attention if needed. Once you’ve addressed immediate medical needs, you should notify your insurance company and ask how to file a claim. You should be able to submit a claim against your group travel insurance policy through the company’s website, mobile app, or over the phone.

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Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.

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Your group is covered with our educational trip insurance

Group travel insurance for school tours and residentials

We believe that safety and education are equally important when booking an educational tour with Voyager School Travel. It is therefore why it is a condition of booking with us that you have obtained adequate insurance that covers your school group for the duration of your trip.

For schools that don't have insurance cover for their trips, Voyager School Travel has partnered with Endsleigh Insurance to create a bespoke school group travel insurance policy that covers students and adults on your trip against a variety of unforeseen risks.

Cover includes loss of personal items, cancellation and curtailment of the trip due to illness or injury including the cost of any repatriation back home following a medical emergency. Additionally, cover for over 100 sports and activities is included as standard under this group policy.

The group insurance policy has been arranged for the benefit of students and accompanying adults travelling on a trip with Voyager School Travel. 

Support for teachers & group leaders while abroad

• A 24 hour helpline for medical emergencies
• Emergency medical expenses in the event of illness or injury
• Protection against cancellation or curtailment charges
• Cover for loss or damage to baggage and personal money
• A wide range of sports and activities covered including winter sports

What's included?

• Cover for baggage, including valuables, money, and passports
• Cover for all the types of school trip activities e.g. watersports, ski, adventure activities and team sports
• Up to £5 million medical cover per person
• Up to £5,000 cancellation cover per person
• Up to £2 million personal liability cover per event

Full details of what is and is not included can be found in the Insurance Product Information Document

Choose Voyager School Travel to ensure your trip has the best insurance protection  

All Voyager School Travel’s  school trip packages , including UK residentials , are fully protected by our School Trip Insurance with Endsleigh Insurance.

Download Endsleigh's Insurance Policy document, or check out the cover limits in the Policy Information Document, below. 

Insurance documents and resources:

Get a quote ✅

Receive a no-obligation quote for your group from one of our educational travel experts.

Why choose Voyager School Travel?

Learn how our own overseas teams, residential properties, escorted trips & coach company will support you every step of the way

Frequently Asked Questions

Making a claim or request assistance in the event of medical emergency:

All medical claims are handled by our emergency assistance service (CEGA) who operate a 24/7 operation for medical emergencies.

Emergency medical claim:

- Contact the emergency assistance service on telephone number: +44 (0)1243 621058.

Making a non-medical claim:

- All non-medical claims are handled by CEGA– telephone number +44(0) 1202 038 946.

Alternatively:

Email:         [email protected] or Web:          The travel claim form - Form | Endsleigh

When to make a claim:

Claims should be made as soon as possible after the date of the incident for which the beneficiary is claiming. Claims MUST be made within 31 days of the incident.

Yes, as with all insurance policies there are a number of general exclusions listed in the group policy wording under ‘general exclusions’ which should be read carefully in addition to the ‘What is not covered’ sections of the group policy . Please note, most sections of the policy will be subject to an excess.

 It is your responsibility to read and ensure that you understand the group policy.

Whilst in the care of a carrier, transport company, authority, hotel or your accommodation provider

You must report to them, in writing, details of the loss, theft or damage and obtain (at your own expense) written confirmation of the loss. If baggage is lost, stolen or damaged whilst in the care of an airline you must:

a) obtain a Property Irregularity Report from the airline. b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy). c) retain all travel tickets and tags for submission if a claim is to be made under this group policy.

In all other situations

You must report to the local Police in the country where the incident occurred within 24 hours of discovery wherever possible, and obtain (at your own expense) a written report of the loss, theft or attempted theft of all baggage.

You must provide (at your own expense) an original receipt or proof of ownership for items lost, stolen or damaged to help substantiate your claim.

Cancellation cover is operative from the time you are accepted for cover prior to the commencement of your trip. For all other sections of the group policy, the insurance commences when you leave your home to commence the trip and terminates at the time of your return to your home in your home country on completion of the trip. Any trip that had already begun at the time of being accepted for cover will not be covered.

You may withdraw from participation in the group policy at any time by giving notice of that intention to your tour operator.

If the cover does not meet your needs, there is a ‘cooling off’ period of 14 days from the date of receipt for first deposits during which you may cancel the insurance in writing to your tour operator. 

If you decide to cancel your insurance after the 14 days, any return of premium will be calculated from the date such participation ceases, provided you have not travelled or been the subject of a claim during any period for which cover was provided, in which case no refund will be due. We reserve the right to charge a reasonable administration fee.

(Please note: Cancellation cover is operative from the time you are accepted for cover. Therefore, if you withdraw from participation in the group policy you will be charged for the period between being accepted for cover and your travel departure date).

Please see full terms and conditions for cancelling your insurance with the policy documentation .

Why choose Voyager School Travel for your school trip?

You are in specialist hands

Our team use their teaching, language & destination experience to organise educational trips that are not only enriching but hassle-free.  Read more →

Safety assured, bonded & accredited

As a member of the School Travel Forum & protected through ABTA & ATOL you can be sure of our high standards.  Read more →

Trusted by teachers

Schools trust Voyager School Travel to organise the educational trips for over 32,000 passengers a year.  Read more →

We deliver the educational elements

Signature educational experiences with our own language & activity instructors allow  teachers to enjoy the trip too.  Read more →

Stay at our own residential centres

Groups staying at our own residential centres in France will benefit from high quality learning, safety & service. Read more →

Our own overseas teams

Peace of mind knowing our French m anagers, instructors, coach drivers & support team will look after your every need. Read more →

For teachers who are serious about the educational outcomes of their school trip.

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The Best Travel Insurance for Students

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Table of Contents

What does travel insurance for students cover?

How much does travel insurance for students cost, travel guard: best for budget travelers, world nomads: best for adventurers, allianz: best for premier travel benefits at a lower cost, geoblue navigator for students: best study abroad health insurance, more tips for purchasing study abroad travel insurance.

If you’re a student who’s planning to travel internationally or study abroad, it’s a good idea to go prepared with comprehensive student travel insurance. But where do you find plans tailored to your unique needs?

These companies offer some of the best options for travel insurance for students, whether you’re globe-trotting for a week, a semester or a whole year.

Student travel insurance can vary from plan to plan. But there are a few things you should look for whether you’re an exchange student, studying abroad or simply planning an international trip between classes.

Trip cancellation insurance : This coverage reimburses you for any prepaid, nonrefundable costs of your trip should you have to cancel for any unexpected circumstances covered by your selected policy. 

Travel medical coverage : If you become ill or get injured while traveling, travel medical coverage can help pay for medical expenses and even emergency travel back home.

Travel delay insurance : In the event of rescheduled or canceled flights that result in painfully long layovers, this coverage will reimburse you for personal items, food and lodging you may have to pay for as you wait for a rescheduled flight.

Delayed baggage : Just as it sounds, this coverage reimburses you for luggage (including necessities you might have to purchase while you wait for your luggage to arrive) if it’s delayed or lost by a travel provider in transit.

» Learn more: When to buy travel insurance

As with travel insurance for more general travelers, there are several factors that affect the cost of travel insurance for study abroad students and other young travelers, including:

Traveler age.

Overall trip cost.

Trip duration.

Specific coverage selected.

Because there are so many factors involved, and because every travel insurance company is different, it’s often wise to compare a number of plans to decide which is best for you and your travel plans. That said, these are some of the best student travel insurance options.

» Learn more: Best annual travel insurance this year

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

What Travel Guard covers

There are several options available from Travel Guard for travel insurance for students studying abroad or simply exploring on break: Deluxe, Preferred and Essential.

They all include trip cancellation and interruption, medical coverage, and lost or delayed baggage insurance. Bonus: They even come with dental coverage. Add-ons like car rental coverage and “cancel for any reason coverage” are also available with some plans.

There is also an annual plan available, but coverage automatically expires if any single trip lasts longer than 90 days, so it wouldn’t likely be sufficient for more than a semester abroad.

Multiple price points for a wide range of coverage options.

Dental coverage included.

24/7 emergency assistance available with all plans.

If you plan on participating in adventure sports, the Adventure Sports Bundle is only available as an add-on on some Preferred and Deluxe plans.

» Learn more: Read our full review of Travel Guard

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

What World Nomads covers

Designed for independent, often more adventurous travelers, World Nomads offers several travel insurance options for students of any age.

While plans may seem more expensive than some other options, it’s important to remember that these plans include medical treatment and evacuation if you are injured while participating in some adventure sports. Plans also cover medical expenses, trip cancellation and interruption, baggage loss and delay, and include 24/7 travel assistance.

Many adventure sports are covered.

Some plans include car rental coverage.

Dental is covered.

Pre-existing conditions aren’t covered.

» Learn more: Best adventure sports travel insurance

• Annual or single-trip policies are available.
• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

What Allianz covers

A well-known travel insurance company, Allianz offers a number of travel insurance plans that may appeal to students.

All plans include epidemic coverage, trip cancellation and interruption, medical and dental coverage, baggage loss and delay, and 24-hour assistance. And premium plans tend to offer similar coverage as other insurance companies but at a lower price.

There’s also an annual plan available called AllTrips, but it doesn’t cover individual trips longer than 45 consecutive days.

Includes epidemic coverage (including for COVID-19).

Covers 100% of prepaid costs if you cancel your trip for a covered reason.

The cost to change flights or other transportation is covered on some plans if you have to change or cancel bookings because of a covered reason.

Rental car coverage not included on any plan.

» Learn more: NerdWallet's Allianz review

• Flexible deductible options.
• Wide ranging medical coverage.
• Low prices for medical only needs.
• Lacks in traditional travel insurance coverage options such as trip Interruption, bag delays, etc.
• Better when paired with travel credit card insurance coverage.

What GeoBlue covers

Designed for students staying in one place for more than a week or even a whole semester, GeoBlue’s Navigator for Students plan is perfect for students studying abroad who are more concerned with health care coverage than travel-related benefits.

It’s designed more like traditional health insurance with deductibles, monthly payment plans and unlimited annual maximums when it comes to medical care. It covers medical care inside and outside the U.S., making it a good overall health insurance if you plan to travel back and forth. Travel vaccinations, emergency medical transportation and repatriation are even covered.

What’s not covered are more typical travel-related expenses like lost baggage, delayed flights and trip cancellation. But the medical coverage is so comprehensive that if you want travel-specific coverage, you could opt to purchase a more budget-friendly plan for each specific trip.

Unlimited annual maximum for medical benefits.

Sliding payment scale to customize your deductible-to-monthly premium payments.

Preventive care is covered.

Dental and vision benefits are extra.

Coverage for most travel-related snafus isn’t included.

» Learn more: GeoBlue travel insurance review : Is it worth the cost?

The best travel insurance for students studying abroad or traveling between semesters or even on holiday breaks is insurance that’s best suited to you and your travel plans.

Before you hit “Add to cart,” compare several plans, make sure to read the fine print and understand what’s covered (and, just as importantly, what’s not ). Select a plan that offers the coverage required to help you feel safe, secure and protected wherever you roam.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Get the reassurance you need to travel with School Trip Travel Insurance with Just Travel Cover.

School trips are exciting for all children, and with annual ski trips, outings to the zoo, educational trips abroad, or fun end-of-term visits to the theme park, there’s no wonder! School trips give children the opportunity to get out of the classroom and explore different places. They give young people the chance to bring the things they’ve learned to life, discover new environments and cultures, and have fun. 

After the disruption brought about by the Coronavirus pandemic, one thing children and young people missed out on was their annual school trip.

Depending on the age of the children, the types of school trips will vary. However, no matter where your school is headed, the right School Trip Travel Insurance is essential.

Our School Trip Travel Insurance provides Teachers and Heads with peace of mind that staff and children are covered for unexpected medical emergencies while away, as well as cover for lost or stolen baggage and cancellation, should something stop the trip going ahead*.

We can cater for UK and overseas day trips, adventure holidays, educational and winter sport/ski trips. Call us on 0800 294 2969 for a bespoke quote, or get your own quote online using the link below.

School Trip Travel Insurance FAQs

Frequently Asked Questions about School Trip Travel Insurance.

What is School Trip Travel Insurance, and why is it important?

School trip Travel Insurance is designed for educational trips. It provides peace of mind to teachers, students, and their parents should something unexpected occur while away. School Trip Travel Insurance may cover unexpected medical emergencies, lost or stolen luggage, and trip cancellation. Terms apply. Having School Trip Travel Insurance is essential and will allow you to confidently travel.

Are teachers and staff covered under the School Trip Travel Insurance policy?

Yes, teachers and staff are covered by the School Trip Travel Insurance policy which includes teacher liability cover up to £5 million. Terms apply.

What types of school trips does the School Trip Travel Insurance cover?

At Just Travel Cover, our School Trip Travel Insurance policy caters to many school trip types. This includes in the UK, overseas day trips, ski holidays, or educational trips. We also offer quotes tailored to your specific school trip requirements. To learn more about our School Trip Travel Insurance policy, speak with one of our experts today. We are experienced in helping schools find a School Trip Travel Insurance policy that suits them, and we can help you too.

Does the School Trip Travel Insurance policy cover sports and activities?

Yes, our School Trip Travel Insurance policy includes sports and activities cover. While we don’t like to think that a child will become injured while away, it is best to be prepared. Our School Trip Travel Insurance policy will ensure peace of mind.

Our School Trip Travel Insurance 

• Medical and Repatriation cover up to £10m
• Cancellation cover (including for Covid-19*)
• 24 hour emergency medical assistance
• Teacher liability up to £5m
• Group Equipment and Money cover
• Sports and activities cover available (including tournaments)

Important Documents

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Youth and school group travel insurance

Protect your clients abroad with our specialist youth and school group travel insurance, designed for the likes of travel agents and tour operators. Cover is carefully tailored to include the right protection at flexible prices, so you can deliver an integral value-added service to your customers.

What's covered with youth and school group travel insurance?

As a leading travel insurance provider in the student and youth travel market, our group travel insurance has been built with travel agents, tour operators and school trip organisers in mind. Benefit values can be bespoke to your individual requirements and cover can include:

Cancellation and curtailment

We will pay up to £1,500* for costs incurred as a result of a trip being cancelled or cut short as a result of an insured event.

Medical expenses

Up to £5,000,000* for hospital, ambulance and medical repatriation costs, including up to £250* for emergency dental treatment.

We will cover up to £800* per person for personal belongings that are lost, damaged or stolen.

Replacement passports

We will pay up to £200* for additional accommodation and transport costs to obtain a replacement passport should it be lost, damaged or stolen.

Replacement group leader

Cover is included as standard for personal liability, personal accident and death. We will also provide a replacement group leader in the event of an insured incident.

Group equipment

We will pay up to £750* for group equipment, as well as up to £500* for group money and documents, including passports.

What is group travel insurance for youth and school groups?

School group travel insurance, otherwise known as school trip insurance, is specialist cover designed for the likes of travel agents, tour operators and school trip organisers who arrange trips for their customers throughout the year.

Our school group travel insurance adds value to the offering that you deliver to your customers – providing them with comprehensive cover to protect them during their travels.

Why partner with Endsleigh for youth and school group travel insurance?

Pay as you go.

Our insurance models are as financially flexible as possible to support our partners. They’re based on a ‘Pay As You Go’ platform, meaning there is no upfront cost and we’ll only collect premiums based on the number of beneficiaries declared to us on a monthly basis.

Partnered with the UK’s leading medical assistance provider

We work with market-leading insurers to make sure the process as easy as possible for everyone involved. In the event of a claim your customer will be supported by CEGA, the UK’s leading medical assistance provider.

Expert consultation and advice

We want to build a long-term partnership you can rely on, which is why you’ll receive specialist support from a dedicated account manager. They’ll work with you to build a solution that meets the needs of your customers and business.

School group travel insurance: Frequently asked questions

It’s important to fully understand your cover before you take it out. Here are some frequently asked questions regarding our school group travel insurance.

Do school group trips abroad have to have travel insurance?

Although travel insurance isn’t required by law, it’s a very sensible purchase, especially if the travel group consists of young people on a school trip or expedition.

Having cover in place means that should something unfortunate happen, like needing to access medical treatment or loss of a passport, the travellers would be covered rather than their parents or guardians having to pay out in full. Most insurers include a wide range of circumstances in their policies such as cover for cancellation and curtailment, replacement passports and baggage.

For travel agents and school trip organisers, this kind of cover offers additional piece of mind for both customers, parents and travellers. Rather than schools or parents having to sort travel insurance for their children’s school trip themselves, the cover is already included within the cost of the trip, or at least available to purchase as an add-on if they require.

Why Endsleigh for school group travel insurance?

We’re experts in the youth and school group travel market and have over 30 years’ experience in the student and youth travel markets. Our youth and school group travel insurance is carefully tailored to include the right protection so you can deliver an integral value-added service to your customers.

Due to our current global challenges, there will be a much greater need for bespoke travel insurance for youth and school groups, and for education providers to have the security of working directly with an insurance provider who understands their concerns.

Youth and school group travel insurance with Endsleigh offers an extension to the level of care you give to your customers. We're also proud to be a travel insurance partner for School Travel Forum.

Are replacement passports covered with school group travel insurance?

Yes, we know passport issues are a big concern when travelling with youth or school groups. That’s why our travel insurance for youth and school trips covers up to £200 towards the cost of transport and extra accommodation. This covers passports that have been lost, damaged or stolen! Plus, cover can be tailored to your unique requirements.

What kind of medical cover is provided for youth and school trip travel insurance?

We know that travel insurance for school trips abroad is an important purchase, and that the safety of your travellers is your number one priority. That’s why we offer up to £5,000,000 cover for medical expenses such as hospital visits, ambulance use and medical repatriation costs. We can also tailor the cover amount to the needs of your organisation.

What if a group leader is injured?

When looking for travel insurance for groups of young people, most organisations have questions about what happens if the group leader is injured and can’t continue travelling.

At Endsleigh, we know it’s important to maintain staff to student ratios so the trip can continue smoothly and safely.

That’s why if a group leader is unable to travel, we provide cover in the events of personal liability, personal accident and death. We’ll also issue a group leader replacement so that the trip can continue safely.

Check your insurance policy documents for more details.

Kipling Tours

Endsleigh gives our schools' clients exactly what we and they need in a travel insurance policy, with comprehensive cover that is easy to understand. The extra covid enhancement gives added peace of mind at what is still an uncertain time for all of us in travel. As a tour operator, we particularly appreciate the simplicity of being able to cover the whole group without the need to collate individual details of every group member.

Year Out Group

Young people and their parents, want to know they are in good hands when undertaking exciting gap year programmes in the UK and overseas. Like Year Out Group and its approved members, Endsleigh Insurance have many years’ experience of enabling this client group. Their comprehensive policies and all-round support, give confidence to both travellers and organisers starting out on new adventures.

Interested in youth and school group travel insurance?

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International Student Insurance

International student medical insurance is designed to provide key coverage that full-time students may need while studying abroad.

WorldTrips’ student medical insurance plans offer:

• Four Plan Levels – Compare plans to ensure you meet your school or visa requirements and budget
• Flexible Payments – Choose monthly payments or pay in full and save
• Travel Assistance – Get 24/7 multilingual emergency assistance
• Ease of Use – Your policy documents will be emailed immediately upon purchase, and you can manage your plan via our online Member Portal

Why Do You Need International Student Insurance?

Easy. In many cases, it’s required.

• Your visa may require student medical insurance. StudentSecure meets or exceeds most visa requirements (including the J-1 visa ). You’ll get a visa letter you can use as proof of coverage.
• Your program or school may require student medical insurance. StudentSecure meets the requirements of many universities. Opting out of school-sponsored coverage? We can send a completed waiver form to you and your school.
• Your regular health insurance may not cover you for unexpected injury or illness abroad. And very few plans pay for medical evacuation .

Why WorldTrips?

Who is insuring you is just as important as the insurance plan you choose. For the past 25 years, WorldTrips has provided travel insurance and compassionate service to help our customers travel fearlessly. Our knowledgeable customer representatives are available 24/7 to respond to your travel emergencies, no matter the situation, time zone, or spoken language.

“Of the top eight travel insurance companies in our review, WorldTrips’ underwriting company is the only one to have an A++ (Superior) financial strength rating from AM Best.”

Explore Our International Student Insurance Plans

WorldTrips’ international student medical insurance plans are called StudentSecure. Choose from four StudentSecure plans to get the right coverage at the right price for you. StudentSecure Provides:

• Benefits for unexpected injury and illness
• Recreational sports and activities coverage
• Some mental health coverage
• Travel assistance services

Select a plan to see coverage highlights:

Overall Maximum: $200,000

Maximum Per Injury or Illness: $100,000

Deductible Per Injury or Illness: $0

• Meets J-1 Visa Requirements
• Unexpected Injury and Illness
• Some Mental Health Coverage
• Recreational Sports and Activities
• No Pre-Existing Condition Coverage

Overall Maximum: $500,000

Maximum Per Injury or Illness: $250,000

• Pre-Existing Condition Coverage After 12 Months

Overall Maximum: $1,000,000

Maximum Per Injury or Illness: $500,000

• Pre-Existing Condition Coverage After 6 Months

Overall Maximum: $5,000,000

I Need Medical Evacuation and Repatriation Coverage for My Visa

Many international students already have insurance for their time abroad but need evacuation and repatriation coverage to meet their school or visa requirements. These students choose Atlas MedEvac insurance . This supplemental plan can provide the coverage you need without the added benefits and cost.

You’re eligible for Atlas MedEvac if you’re a non-U.S. citizen traveling to the U.S. or anywhere else outside of your home country.

Here’s what you’ll get:

• Lifetime Maximum – $75,000
• Deductible – $0
• Emergency Medical Evacuation – Up to $50,000
• Repatriation of Remains – Up to $25,000
• Local Burial or Cremation – Up to $5,000

FAQs: WorldTrips’ International Student Insurance Plans

How Do I Register for a Member Portal Account?

1. Visit Member Portal at  https://worldtrips.my.site.com/MemberPortal . 2. Under “Continue Sign In” click “First-time user? Register for an account.”

3. On the Register page, enter the email address you wish to use to sign into your account. This email does not need to match the email address associated with your policy. Enter your policy number and select whether or not you are the insured or the insured’s legal guardian. Enter the insured’s first and last name as entered on the policy. (You can see how the insured’s name was entered on your ID card and fulfillment documents that were sent to you upon purchase.) Enter the insured’s date of birth. Then choose a password. Follow the password instructions noted on the page.

Read and agree to the terms and conditions by checking the box. Then click the “Continue” button.

  4. You will be taken to the Sign In page. Enter the email address and password you used to register your account and click “Sign In.”

5. To add an additional layer of security when signing into your account, you will be prompted to choose your preferred multifactor authentication method.

Options Include: a.  Okta Verify  - Click "Setup" if you wish to use a push notification sent to the mobile app

b.  SMS Authentication*  - Click "Setup" if you wish to enter a single-use code that is sent to your mobile phone

c.  Voice Call Authentication*  - Click "Setup" if you wish to follow voice instructions via  phone

d.  Security Question  - Click "Setup" if you wish to answer a security question

  * Please be sure to use a method which you will have continual access to on your travels. Do not use phone numbers that will not work outside of your current service area.

  6. Follow the setup instructions of your chosen multifactor authentication method. Then click “Finish.”

  7. On the resulting page, choose a "Forgot Password" question. Make sure you select a question with only one correct answer that is easy to remember.

  Type the answer into the blank box below "Answer." You will need this answer to access your account if you ever forget your Member Portal password and need to reset it.

  You may also choose to add a phone number for resetting your password or unlocking your account using SMS text message or a voice call if you don’t have access to your email.

  Click "Create My Account."

How Do I Submit a Claim?

You must complete, sign, and submit a Claimant's Statement and Authorization form along with proof of claim (itemized bills, payment receipts, medical records, police reports, etc.) for every incident. ( Click here to download the form in Spanish ).

Filing a Claim on Behalf of Someone Else? If you are filing this claim on behalf of another person, you MUST fill out the section of the Claimant's Statement and Authorization form labeled "Supplement D - Authorization Form for Use and/or Disclosure of Protected Health Information " – also known as a HIPAA form. This section must be signed by the policyholder in order for us to speak with you regarding any of the policyholder's Protected Health Information (PHI). Without this signed form, we may only disclose to you the status of the claim.

You can complete and submit the Claimant's Statement and Authorization form along with supporting documents in one of the following ways:

Via DocuSign within Member Portal (Most Efficient Approach)

1. Go to Member Portal (formerly Client Zone / Student Zone). 2. Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.

If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details.

3. Click "Claims and Appeals" in the main navigation menu. 4. Click “Submit New Claim Via DocuSign” button under the “Claimant’s Statement and Authorization Form” subheader in the “File a Claim” section and follow the instructions.

For more extensive step-by-step instructions, including screenshots, please see our “How to Submit a Claim” guide

Don’t Have Access to the Claims and Appeals Page? If you noted that you are not the insured or the insured’s legal guardian, you will see the Protected Health Information Authorization page in place of the Claims and Appeals page. Enter the insured’s email address and click “Send Request.” Once the insured has completed and submitted our HIPAA form, you will gain access to the Claims and Appeals page and have the ability to submit a claim within 3-5 days.

1. Download the Claimant's Statement and Authorization form. ( Click here to download the form in Spanish.) 2. Print, complete, and sign the form. Mail to: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A. WorldTrips is also happy to fax, e-mail, or mail the form(s) to you upon request. Important Note for Students For eligibility purposes, you must submit the following along with a Claimant's Statement and Authorization form: - A copy of your education-related visa (F-1, J-1, OPT, etc.) or valid I-20/DS2019 - Proof of full-time student status (not necessary if submitting a valid F-1 visa including OPT, or J-1 visa)

Can I Submit a Claim on Behalf of Someone Else?

How Do I Submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA Form) If I Did Not Complete This Section of the Claim Form?

If you have already submitted a claim on behalf of someone else and did not complete this section OR if WorldTrips has requested that you submit the Authorization Form for Use and/or Disclosure of Protected Health Information (HIPAA), you do not need to fill out another claim form. You can submit the HIPAA form separately in one of the following ways:

Electronically via Member Portal

• Go to Member Portal .
• Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account. If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details.
• Click "Claims and Appeals" in the main navigation menu.

If You See the Protected Health Information Authorization Page:

- Because you selected that you are not the insured or the insured's legal guardian upon registering for Member Portal, you do not yet have access to the Claims and Appeals page. - Under the "Protected Health Information Authorization" header, enter the insured's email address and click the "Send Request" button. - The insured will receive an email with a link to complete, sign, and submit the HIPPA form via DocuSign. You will gain access to the Claims and Appeals page and will be able to see the status of any pending claims within 3-5 days of the date the policyholder completed and submitted the form.

If You See the Claims and Appeals Page:

- Click the "Fill Out and Submit Via DocuSign" button under the "Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA)" subheader in the "File a Claim" section. - Enter the insured's name and an email address and click the "Begin Signing" button. - Click the yellow "Continue" button, fill out the form and the required information (as noted by the red boxes); have the policyholder sign the form, and click the yellow "Finish" button. - Clicking "Finish" submits the document and sends a PDF of your signed Authorization Form for Use and/or Disclosure of Protected Health Information to the email address entered. Download or print a copy of your completed form for your records. If you do not receive a confirmation email with your completed form attached within 24 hours, please contact WorldTrips to make sure your form was properly submitted.

• Download the Authorization Form for Use and/or Disclosure of Protected Health Information .
• Print, complete, and have the policyholder sign the form.
• Mail to: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A.

When and How Will I Receive My Fulfillment Documents?

During the checkout process, you will have the option to receive your ID cards and other fulfillment documents by:

• Email only OR by
• Email and hard copy

If you select “Email only,” you will receive your ID cards and fulfillment documents by email as soon as your application has been processed and your credit card has been approved. This typically takes a few minutes or less.

If you select “Email and hard copy,” you will receive your ID cards and fulfillment documents by email as soon as your application has been processed and your credit card has been approved. You will also receive hard copies of your ID cards and fulfillment documents by mail to the address you entered on your application.

How Long Do I Have to File a Claim?

What If I Do Not Agree with a Claim's Denial?

There may be situations when you choose to appeal how a claim was processed. You may appeal your claim decision using one of the following methods:

Submit the Claimant Appeal Request Form Via DocuSign within Member Portal:

• Sign into Member Portal . You will be presented with your Member Portal home page.
• Click “Claims and Appeals” in the main navigation menu at the top of the page. You will be presented with the Claims and Appeals page.
• Switch the toggle at the top of the page under the “Claims and Appeals” header from “Claims” to “Appeals.”
• To file an appeal via DocuSign, click the “Fill Out and Submit Via DocuSign” button under the “Claimant Appeal Request Form” subheader in the “File an Appeal” section.
• Enter your name and email address on the PowerForm Signer Information page and click the “Begin Signing” button.
• Click the yellow “Continue” button to the right.
• Fill in all the required information on the form (as indicated by the red text boxes) and sign everywhere a signature is required (as indicated by the yellow “Sign” boxes).
• Attach your supporting documents (medical records, receipts, itemized bills, etc.), if necessary, at the bottom righthand corner of the page via the yellow attachment boxes. If you have more than 3 attachments or exceed the 5MB attachment limit, see instructions for submitting additional documents here.
• When you are done, click the yellow “Finish” button at the bottom of the page. Clicking “Finish” submits your documents and sends a PDF of your signed Claimant Appeal Request Form to your email.
• Download or print a copy of your completed form for your records. If you do not receive a confirmation email with your completed form attached within 24 hours, please contact WorldTrips to make sure your form was properly submitted.

Want more detailed instructions including screenshots? See the “ Claimant Appeal Request Form Submitted Via DocuSign within Member Portal (Most Efficient Approach) ” section of our Claims Resource Center page .

• Download the Claimant Appeal Request Form. ( Click here to download the form in Spanish ).
• Fill out the form and email it, along with additional documentation that supports your reasoning and position (medical records, receipts, itemized bills, etc.), to [email protected]. OR Mail the form and supporting documents to: WorldTrips Appeals PO Box 240358 Apple Valley, MN 55124 U.S.A

Submit a Written Appeal Letter Via Email or Mail

• Write a letter of appeal following the appeal procedure instructions outlined in your policy documents/certificate of coverage.
• Email this written letter of appeal, along with additional documentation that supports your reasoning and position (medical records, receipts, etc.), to [email protected] . OR Mail the form and supporting documents to: WorldTrips Appeals PO Box 240358 Apple Valley, MN 55124 U.S.A

IMPORTANT! In order for our claims department to review the appeal, you must provide additional documentation or information to support a reversal of the denial. Please note that submission of the appeal will lead to re-evaluation of your claim but does not guarantee that the initial benefit determination will be altered.

Why Am I Receiving So Many Letters?

What Is Included in the Fulfillment Documents?

Your fulfillment documents will include:

Instructional Information

• How to seek medical treatment
• How to file a medical claim
• How to access  Member Portal  (our online self-service portal where members can manage their policies)
• How to contact WorldTrips

Declaration Page

• Link to the Description of Coverage for your policy
• Name, address, ID number, and citizenship of the insured
• Policy start and end dates and length of coverage
• Certain policy details including plan name, overall maximum limit, maximum per injury/illness, deductible, and any optional coverage elected
• Purchase date, payment type, and amount paid
• Name and address of plan administrator

Policyholder/Certificate Holder Notice

• Important notice about OFAC sanctions

European Union GDPR Data Protection Notice  (Note that you will only receive this notice if you are a citizen or resident of the European Union OR if you are a visitor traveling to the European Union)

• Information about our privacy policy
• How we use your personal and sensitive information and who we may disclose it to
• Information about your data protection rights
• How to opt out of marketing communications or withdraw your consent
• Name of insured(s)
• Certificate/policy number and effective date of coverage
• Instructions on how to file a claim
• Name and logo of PPO network
• Instructions on how to find a provider

Learn more about your ID card here .

How Do I Access My Visa Letter?

What Information Is Included in the Visa Letter?

How Does My Deductible Work?

Am I Eligible for an Atlas Travel Insurance Plan?

When Does My Atlas Travel Coverage Become Effective and When Does it End?

Your Atlas Travel insurance coverage becomes effective on the latest of: - the moment we receive your application and correct premium (if application and payment is made online or by fax) - 12:01 a.m. U.S. Eastern Time on the date we receive your application and payment (if application and payment are made by mail) - the moment you depart from your home country - 12:01 a.m. U.S. Eastern Time on the date you request on your application if the correct premium is received

Your coverage will end on the earliest of: - 11:59 p.m. Eastern Time on the last day of the period for which you have paid a premium - 11:59 p.m. Eastern Time on the date requested on your application - the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)

Does the Atlas Travel Plan Provide Any Home Country Coverage?

Does the Atlas Travel Plan Include Any Coverage for Medical Expenses Related to COVID-19?

If You Purchased Your Atlas Travel Policy on Or After July 15, 2020: Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion. If You Purchased Your Atlas Travel Policy Before July 15, 2020: Your plan contains an applicable exclusion and will NOT cover medical expenses resulting from COVID-19/SARS-CoV-2. The full exclusion reads: Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 or higher travel warning are excluded if:

- the warning has been in effect within the 60 days immediately prior to your date of arrival, or - within 10 days following the date the warning was issued you have failed to depart the country or location. You can review the exclusions by reading through the "General Exclusions section of your Description of Coverage (DOC).

You will find your DOC in Member Portal . Sign in to the portal and click the box on the home page labeled "Description of Coverage." 

What Are Atlas International and Atlas America?

What Is Covered Under the Atlas Travel Insurance Plan?

Does the Atlas Travel Insurance Plan Provide Any Trip Cancellation Coverage?

Does the Atlas Travel Insurance Plan Meet Schengen Visa Requirements?

Can I Extend or Renew My Atlas Travel Insurance Coverage?

How Do I Extend My Atlas Travel Insurance Coverage?

Follow the below instructions to EXTEND your Atlas Travel medical insurance plan:

• Log into your Member Portal .
• On your Member Portal home page, click the box labeled "Extend or Renew My Policy" under the "How Can We Help You Today?" header.
• If you are eligible to extend your policy ad do not need to contact a broker or plan administrator in order to do so, you will see the "Extend Policy" page.
• Use the dropdown arrow to insert your new coverage end date and click "Next."
• Fill in your payment information.
• Review the Terms and Conditions and click the checkbox to acknowledge that you have read and accepted them.
• Click the "Submit" button to submit your extension request. Your coverage confirmation will be sent to the email address you entered.

How Do I Cancel My Atlas Travel Insurance Coverage?

Is My Group Eligible for an Atlas Group Travel Plan?

Does the Atlas Group Travel Insurance Plan Provide Any Home Country Coverage?

Does the Atlas Group Plan Include Any Coverage for Medical Expenses Related to COVID-19?

If You Purchased Your Atlas Group Policy on Or After July 15, 2020: Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

If You Purchased Your Atlas Group Policy Before July 15, 2020: Your plan contains an applicable exclusion and will NOT cover medical expenses resulting from COVID-19/SARS-CoV-2. The full exclusion reads: Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 or higher travel warning are excluded if:

- the warning has been in effect within the 60 days immediately prior to your date of arrival, or - within 10 days following the date the warning was issued you have failed to depart the country or location. You can review the exclusion by reading through the “General Exclusions” section of your Description of Coverage (DOC).

You will find your DOC in Member Portal . Sign in to the portal, click "Policy Information" in the navigation menu, and then click the box labeled "Description of Coverage."

What Are Atlas Group International and Atlas Group America?

Atlas Group policyholders who are U.S. citizens or non-U.S. citizens (and home country is not the United States) traveling outside of the U.S. will be covered under Atlas Group International, which provides coverage outside of the United States.

Atlas Group policyholders who are non-U.S. citizens traveling to the United States will be covered under Atlas Group America. (For the purpose of this American visitor insurance coverage, the United States also includes Puerto Rico and the U.S. Virgin Islands.)

The correct plan will be automatically selected for you when you purchase your Atlas Group plan, depending on whether your trip includes coverage for the U.S. (You will only be covered for the U.S. if you are a non-U.S. citizen, your home country is not the United States, and all or part of your travel includes the U.S.)

What Medical Expenses are Covered Under an Atlas Group Travel Plan?

Am I Eligible for an Atlas Nomads Insurance Plan?

When Does My Atlas Nomads Coverage Become Effective and When Does it End?

Your Atlas Nomads insurance coverage becomes effective on the latest of: - the moment we receive your application and correct premium (if application and payment is made online or by fax) - 12:01 a.m. U.S. Eastern Time on the date we receive your application and payment (if application and payment are made by mail) - the moment you depart from your home country - 12:01 a.m. U.S. Eastern Time on the date you request on your application if the correct premium is received

Your coverage will end on the earliest of: - 11:59 p.m. U.S. Eastern Time on the last day of the period for which you have paid a premium - 11:59 p.m. U.S. Eastern Time on the date requested on your application - the moment of your arrival upon return to your home country (unless you have started a benefit period or are eligible for home country coverage)

Does the Atlas Nomads Plan Provide Any Home Country Coverage?

Does the Atlas Nomads Plan Include Any Coverage for Medical Expenses Related to COVID-19?

What Is Covered Under the Atlas Nomads Insurance Plan?

Does the Atlas Nomads Insurance Plan Provide Any Trip Cancellation Coverage?

Atlas Nomads does not provide any reimbursement if you must cancel your trip prior to departure. However, it does include a Trip Interruption benefit if you must end your trip early due to a covered reason. See “Trip Cancellation VS Trip Interruption: What Is the Difference?” for an explanation of the difference between trip cancellation coverage and trip interruption coverage.

Note that Atlas Nomads medical insurance has a lower premium than most travel insurance plans because it does not include a Trip Cancellation benefit. If you’re a U.S. citizen or resident looking for travel insurance with a Trip Cancellation benefit, you should consider Atlas Journey® trip cancellation insurance. Visit the Atlas Journey product page for details about this plan.

Does the Atlas Nomads Insurance Plan Meet Visa Requirements?

Can I Renew My Atlas Nomads Insurance Coverage?

Can I Extend My Atlas Nomads Insurance Coverage?

How Do I Cancel My Atlas Nomad Insurance Coverage?

Most members are able to submit a cancellation request online in Member Portal . Note that only members who have no claims are eligible for a premium refund. After you create your Member Portal account ( click here for registration instructions) , log in and select “Policy Information” in the top righthand corner. Then select the “Modify Coverage Dates” box. If you are not eligible to cancel via Member Portal, you will see a message prompting you to contact your agent for assistance. If you are eligible to cancel via Member Portal, select “No” under the “Would you like to change your coverage start date?” question. Then select “Shorten or cancel your coverage.”

If Your Policy Has Not Yet Started… On the “Shorten or Cancel Policy” page, select your coverage start date as your new coverage end date. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.

If Your Policy Has Already Started… Only premium for unused whole months (if paying in monthly installments) or unused days (if paid in full) will be refunded. On the “Shorten or Cancel Policy” page, select your new coverage end date and click “Calculate Refund” to display the eligibility of the date selected and the amount that will be refunded. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days. Please note that you cannot have filed any claims to be eligible for a premium refund.

Am I Eligible for a StudentSecure International Student Health Insurance Plan?

When Does Coverage Become Effective Once I Get a StudentSecure Plan?

When Does Coverage Terminate with a StudentSecure Plan?

Which Plan Should I Purchase, StudentSecure Elite, StudentSecure Select, StudentSecure Budget, or StudentSecure Smart?

Do StudentSecure Plans Provide Any Home Country Coverage?

Does the StudentSecure Plan Include Any Coverage for Medical Expenses Related to COVID-19?

If You Purchased Your StudentSecure Policy on Or After May 15, 2020: Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

If You Purchased Your StudentSecure Policy Before May 15, 2020: Your plan contains an applicable exclusion and will NOT cover medical expenses resulting from COVID-19/SARS-CoV-2. The full exclusion reads: Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) have issued a level 3 or higher travel warning are excluded if: - the warning has been in effect within the 60 days immediately prior to your date of arrival, or - within 10 days following the date the warning was issued you have failed to depart the country or location. You can review the exclusion by reading through the “General Exclusions” section of your Description of Coverage (DOC).You will find your DOC in Member Portal . Sign in to the portal, click "Policy Information" in the navigation menu, and then click the box labeled "Description of Coverage." 

What International Medical Benefits Are Covered in a StudentSecure Insurance Plan?

Are Any Pre-Existing Conditions Covered by a StudentSecure Insurance Plan?

Charges resulting directly or indirectly from any *pre-existing condition are excluded from StudentSecure Elite and StudentSecure Select during the first 6 months of coverage and from StudentSecure Budget during the first 12 months of coverage. All StudentSecure plans include **Acute Onset of Pre-existing Conditions (excluding chronic and congenital conditions) up to a lifetime maximum of $25,000 for eligible expenses. Note that StudentSecure Smart provides Acute Onset of Pre-existing Conditions coverage only.

*Pre-existing Condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 12 months prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

**An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met: 1. The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition; 2. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; 3. You must be under eighty (80) years of age; 4. You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; 5. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; 6. You must be traveling outside your home country

Is There Any Maternity or Newborn Care Coverage with a StudentSecure Insurance Plan?

I Am Planning to Play a Team Sport When I Study Abroad. Am I Covered with a StudentSecure Plan?

Is There Mental Health Coverage with a StudentSecure Plan?

Am I Covered with a StudentSecure Plan if I Have an Accident that Involves Dental Injuries?

Does StudentSecure Provide Coverage for an Emergency Medical Evacuation?

Does StudentSecure Have Emergency Reunion Coverage?

How Can I Access My Personalized Product Links?

I'm Worried About Acts of Terrorism in My Host Country. Is There Coverage for That?

StudentSecure Elite, StudentSecure Select, and StudentSecure Budget provide medical coverage for injuries and illnesses resulting from an act of terrorism, subject to a $50,000 lifetime maximum, provided all of the following conditions are met: 1. The injury or illness does not result from chemical, nuclear, biological, radioactive, or cyber weapons or events. 2. You have no direct or indirect involvement in the act of terrorism. 3. The act of terrorism is not in a country or location where the U.S. Department of State has issued a level 3 “reconsider travel” or higher travel advisory within the 60 days prior to your date of arrival. 4. You have not failed to depart a country or location within 10 days following the date a level 3 or higher travel advisory to leave that country or location is issued by the U.S. Department of State.

An Act of Terrorism Is Defined as: An act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. *StudentSecure Smart does not provide coverage for medical expenses incurred due to an act of terrorism.

Is There Any Accidental Death and Dismemberment Coverage Included with a StudentSecure Plan?

In the event of your accidental death or dismemberment resulting from a covered injury, StudentSecure Elite and StudentSecure Select will provide the following benefit: - Accidental Death - Principal sum to the beneficiary designated on your application - Loss of Sight in Both Eyes or Loss of Two or More Limbs - Principal sum to you - Loss of Sight in One Eye or Loss of One Limb - One-half of the principal sum to you Loss of Sight - Defined as total and irrevocable loss of sight. Loss of Limb - Defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle.

StudentSecure Elite and StudentSecure Select offer an optional AD&D Rider for an additional $25,000 lifetime maximum. Neither StudentSecure Budget nor StudentSecure Select provides an Accidental Death and Dismemberment benefit. Note that the Accidental Death and Dismemberment benefit is not available for losses resulting from an act of terrorism.

Should Something Happen and Death Occurs, Do You Cover the Transportation of Remains Back Home?

What If I Have to Go to the Hospital on the Day My StudentSecure Plan Terminates?

Can I Extend or Renew My StudentSecure Insurance Coverage?

How Do I Extend My StudentSecure Insurance Coverage?

Follow the below instructions to EXTEND your StudentSecure insurance plan:

• Log into your Member Portal account.
• If you are eligible to extend your policy and you do not need to contact a broker or plan administrator in order to do so, you will see the "Extend Policy" page.

How Do I Cancel My StudentSecure Insurance Coverage?

Most members are able to submit a cancellation request online in Member Portal . Note that only members who have no claims are eligible for a premium refund. After you create your Member Portal account (click here for registration instructions), log in and select “Policy Information” in the top righthand corner. Then select the “Modify Coverage Dates” box. If you are not eligible to cancel via Member Portal, you will see a message prompting you to contact your agent for assistance. If you are eligible to cancel via Member Portal, select “No” under the “Would you like to change your coverage start date?” question. Then select “Shorten or cancel your coverage.”

If Your Policy Has Not Yet Started … You are eligible for a full refund of your premium for free. On the “Shorten or Cancel Policy” page, select your coverage start date as your new coverage end date. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.

If Your Policy Has Already Started … A $25 cancellation fee will apply. On the “Shorten or Cancel Policy” page, select your new coverage end date and click “Calculate Refund” to display the eligibility of the date selected and the amount that will be refunded. If Paying in Monthly Installments… - You may only cancel in whole month increments. If you select a date in the middle of a monthly installment period, the following installment period will not be drafted. - Only premium for unused whole months will be refunded.

If Paid in Full … - Only premium for unused days will be refunded. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days. Please note that after 60 days, no refunds will be granted.

What Is Trip Protection Insurance?

What Are Covered Reasons for Trip Cancellation?

What Are Covered Reasons for Trip Interruption?

What Is a Trip Cancellation for Any Reason (CFAR) Benefit?

How Do I Purchase a Trip Cancellation for Any Reason (CFAR) Benefit?

Who Is Considered a "Traveling Companion" for Insurance Purposes?

Who Is Considered a "Family Member" for Insurance Purposes?

Can I Buy Trip Protection Insurance After Departing on My Trip?

What Is the Latest Date I Can Purchase Trip Protection Insurance?

Can I Purchase Trip Protection Insurance If I'm Not a U.S. Resident?

What Is a Pre-Existing Condition?

A pre-existing condition means an illness, disease, or other condition during the lookback period immediately prior to your effective date of coverage for which you: 1. received a test, examination, or medical treatment; 2. received a recommendation for a test, examination, or medical treatment; or 3. took or received a prescription for drugs or medicine.

Item (3) above does not apply to a condition which is treated or controlled solely through the taking of prescription medication and remains treated or controlled without any adjustment or *change in the required prescription throughout the lookback period before your coverage effective date.

*Change in required prescription means the dosage or frequency of a medication has been increased, reduced, stopped, and/or new medications have been prescribed due to the worsening of an underlying condition that’s being treated with the medication, unless the change is: 1. between a brand name and a generic medication with comparable dosage; or 2. an adjustment to insulin or anti-coagulant dosage. Your Atlas trip protection plan will not cover pre-existing conditions that existed during the lookback period, unless you qualify for a waiver of the pre-existing conditions exclusion. (Note that Atlas On-The-Go does not offer a waiver of the pre-existing conditions exclusion.) Learn more about pre-existing conditions below or review the policy documents for your plan and state of residency for specific coverage details. View the Policy Documents for Atlas Journey and Atlas On-The-Go product pages.

What Is a "Lookback Period"?

How Do I Qualify to Have Pre-Existing Conditions Covered?

Atlas Journey Premier, Atlas Journey Preferred, and Atlas Journey Economy will waive the pre-existing conditions exclusion if both the following apply: - you purchase your plan within 21 days of the date you made your first payment toward your trip; and - you are medically able to travel on the date of purchase.

Atlas On-The-Go does not offer coverage for pre-existing conditions. Review the policy documents for your plan and state of residency for more details.

What Kinds of Travel Assistance Services Are Included with My Plan?

Wherever you travel with your Atlas trip protection coverage, you can rest easy knowing you have access to multilingual travel assistance services 365 days a year. Some travel assistance services include: - Worldwide travel, medical, emergency, and security assistance - Pet assistance - Concierge services - Embassy and consular service - Medical referrals - Language interpretation - Assistance with lost or stolen luggage and personal items - Coordination of personal effects collection and return - Search and rescue coordination - Assistance with return of minor children - Arrangements for aircraft and car return

See the full list of travel assistance services available to you.

What Should I Do if I Experience an Emergency While Traveling?

What Information Do I Have to Provide in Order to Purchase a Trip Cancellation Plan?

You will need the following trip information: - Total trip cost - Departure date - Return date - Primary destination - Initial trip payment date - Final trip payment date - Airline (optional) - Cruise line (optional) - Tour operator (optional)

You will need the following personal information for each traveler on your policy: - First and last name - Traveler(s) current age(s) and date of birth - Gender (optional) - Email address - Mailing address - City of residence - State of residence - Postal code - Phone number

You will need the following credit card information to purchase your policy: - Name on credit card - Credit card number - Credit card expiration date (month and year) - Credit card security code

What Do I Choose as My State of Residence?

How Do I Calculate My Total Trip Cost?

What Is Considered My Departure Date?

What Is Considered My Return Date?

Do I Enter My Current Age or My Age on My Departure Date?

What Is Considered the Initial Trip Payment Date?

What Destination Do I Choose if I'm Visiting Multiple Destinations?

When Will My Coverage Become Effective?

What Should I Do if I Need To Change the Details of My Insurance Plan After I Buy?

How Do I Access My Insurance and Policy Documents?

Where Can I See My Coverage Limits?

How Do I Cancel My Travel Policy?

Atlas Journey Premier, Atlas Journey Preferred, Atlas Journey Economy, and Atlas On-The-Go each include a free-look period. This is the period after purchase in which you’re eligible for a refund if you decide to cancel your coverage. Review the policy documents for your plan and state of residency to see how long your free-look period lasts.

You can view policy documents for Atlas Journey or Atlas On-The-Go by using the dropdown to select your state. Then click the link for the policy of your choosing. If you have an Atlas Journey or Atlas On-The-Go plan and your policy number starts with a “T,” you may email us at [email protected] to cancel. Please include “Cancellation Request” in the subject line. If your policy number does not start with a “T,” this means you have a travel medical insurance plan.

Atlas Travel Medical Plans Most members are able to submit a cancellation request online in   Member Portal . Note that only members who have no claims are eligible for a premium refund.

After you create your Member Portal account, log in and select “Policy Information” in the top righthand corner. Then select the “Modify or Cancel Coverage” box. If you are   not   eligible to cancel via Member Portal, you will see a message prompting you to contact your agent for assistance. If you   are   eligible to cancel via Member Portal, select “No” under the “Would you like to change your coverage start date?” question. Then select “Shorten or cancel your coverage.” If Your Policy Has Not Yet Started…  You are eligible for a full refund of your premium for free. On the “Shorten or Cancel Policy” page, select your coverage start date as your new coverage end date. Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.

If Your Policy Has Already Started… A $25 cancellation fee will apply and only the prorated portion of your premium will be refunded. On the “Shorten or Cancel Policy” page, select your new coverage end date and click “Calculate Refund” to display the eligibility of the date selected and the amount that will be refunded.

Once you click “Submit,” you will be routed to a confirmation page. You will also receive a confirmation email. Your refund will be applied to the original payment method used within 3-5 business days.

How Do I File a Claim?

What Supporting Documents Should I Include With My Claim?

Examples of supporting documents are as follows:

For a Trip Cancellation Claim : -

• Itinerary/invoice for all trip arrangements
• Proof of payment for trip arrangements
• Proof of cancellation of all trip arrangements
• Documentation supporting your reason for cancellation (e.g., completed attending physician’s statement, death certificate and obituary, jury summons, etc.)

For a Trip Interruption/Travel Delay Claim:

• Documentation of the date you joined the trip and/or left the trip
• Receipts and proof of payment for any additional expenses claimed
• Documentation supporting your reason for interruption/delay (e.g., medical notes/records, death certificate, evidence of delay or cancellation by your common carrier including the reason for the delay or cancellation, etc.)

For an Emergency Accident & Sickness Medical Expense Claim:

• Itemized invoices
• Medical notes/records
• Proof of payment for medical expenses incurred during the trip
• Explanation of Benefits (EOB) from your primary health insurer (if coverage is excess)

For a Baggage Damage or Loss Claim:

• A copy of your claim with the carrier that had possession of the items when they were lost/stolen
• A copy of the resolution of the claim with the carrier
• Itemized list of all items claimed, including the approximate age/date of purchase for each item claimed and proof of the replacement cost for a similar item from a retailer
• If loss was the result of theft, a copy of the police report filed at the time of loss

For a Baggage Delay Claim:

• Property Irregularity Report (PIR) issued by the common carrier (shows evidence of baggage delay)
• Documentation of the date your baggage was returned to you
• Receipts for personal articles purchased while your baggage was delayed

How Long Will It Take for You To Review My Claims?

How Do I Check the Status of a Claim I've Submitted?

How Do I Upload Supporting Documentation for a Claim?

How Long Will It Take To Receive Payment for an Approved Claim?

How Can I Appeal a Denied Claim?

There is no special form required to file an appeal. If you wish to appeal your claim, you may send us a letter explaining the reason you disagree with the denial of your claim. You will need to include your policy and/or claim number as well as documents that support your claim. Email or mail your reasoning, policy/claim number, and supporting documents to:

Mail: Attention: Co-ordinated Benefit Plans, LLC On Behalf of US Specialty Insurance Company P.O. Box 26222 Tampa, FL 33623

[email protected] (please include “Appeal” in the subject line)

Do I Have To Use a Doctor From a Specific List?

Do I Have To Pay the Doctor Up Front?

Many providers are willing to bill us directly, and we are happy to work directly with the provider. The provider should submit original itemized bills to WorldTrips. You, the patient, will still need to submit a completed Claimant's Statement and Authorization form to WorldTrips. If the provider requires you to pay for medical treatment at the time of service, you will need to file a claim for reimbursement. When seeking treatment, please ensure that you provide your name in the same format as provided for your insurance policy. You can check your name format on your fulfillment documents, ID card, or in Member Portal .

At the time of service, ask your medical provider for an itemized bill with the following information: 

• Provider name and address
• Provider tax ID (if U.S.-based)
• Your name, date of birth, and certificate ID number
• Itemized charges
• DX (diagnosis) code and CPT (Current Procedural Terminology) code
• Request your receipt for payment and complete medical records from the visit.

Can My Doctor Call if They Have Questions About What My Plan Covers?

What Happens if I Become Ill or Injured Over the Weekend and Need to Contact You?

What Is a Claimant's Statement and Authorization Form?

Where Do I Find the Claimant's Statement and Authorization Form?

- The Claimant’s Statement and Authorization form. - You can also fill out the form via DocuSign online in Member Portal . (See step-by-step instructions on how to file a claim via Member Portal.) - You can also contact us at 800-605-2282 to request a form by mail or fax.

How Do I Submit the Claimant's Statement and Authorization Form?

You can complete and submit the Claimant's Statement and Authorization form (along with supporting documents) in one of the following ways: Via DocuSign within Member Portal (Most Efficient Approach) 1. Go to Member Portal . 2. Log in to your account. If this is your first time using Member Portal, view instructions for registering your new account here.

NOTE: If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details.

3. Click "Claims and Appeals" in the main navigation menu. 4. Click the “Submit New Claim Via DocuSign” button under the “Claimant’s Statement and Authorization Form” subheader in the “File a Claim” section and follow the instructions. For more extensive step-by-step instructions, including screenshots, please see our “ How to File a Claim ” guide.

Don't Have Access to the Claims and Appeals Page? If you noted that you are not the insured or the insured’s legal guardian, you will see the Protected Health Information Authorization page in place of the Claims and Appeals page. Enter the insured’s email address and click “Send Request.” Once the insured has completed and submitted our HIPAA form, you will gain access to the Claims and Appeals page and have the ability to submit a claim within 3-5 days.

By Mail 1. Download the Claimant's Statement and Authorization form here. 2. Print, complete, and sign the form 3. Mail to: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A. WorldTrips is also happy to fax, e-mail, or mail the form(s) to you upon request.

Important Note for Students: For eligibility purposes, you must submit the following along with a Claimant's Statement and Authorization form: - A copy of your education-related visa (F-1, J-1, OPT, etc.) or valid I-20/DS2019 - Proof of full-time student status (not necessary if submitting a valid F-1 visa including OPT, or J-1 visa)

Do I Need to Send a Completed Claimant's Statement and Authorization Form with Every Bill?

I Completed the Claimant's Statement and Authorization Form and You're Asking for It Again - Why?

What Is An Authorization Form for Use and/or Disclosure of Protected Health Information (Also Known as the HIPAA Form)?

How Do I Submit the Authorization Form for Use and/or Disclosure of Protected Health Information (Also Known as the HIPAA Form?

You may complete and submit the form to us in one of the following ways:

- Electronically via Member Portal

• Log in to your account. If this is your first time using Member Portal, please click here to view instructions for registering your new account.  If you already have a Client Zone / Student Zone account, you do not need to register for a Member Portal account. Simply log in to Member Portal using your Client Zone / Student Zone login details. 

If You See the Protected Health Information Authorization Page: - Because you selected that you are not the insured or the insured's legal guardian upon registering for Member Portal, you do not yet have access to the Claims and Appeals page. - Under the "Protected Health Information Authorization" header, enter the insured's email address and click the "Send Request" button. - The insured will receive an email with a link to complete, sign, and submit the HIPPA form via DocuSign. You will gain access to the Claims and Appeals page and will be able to see the status of any pending claims within 3-5 days of the date the policyholder completed and submitted the form.

If You See the Claims and Appeals Page: - Click the "Fill Out and Submit Via DocuSign" button under the "Authorization Form for Use and/or Disclosure of Protected Health Information (HIPPA)" subheader in the "File a Claim" section. - Enter the insured's name and an email address and click the "Begin Signing" button. - Click the yellow "Continue" button, fill out the form and the required information (as noted by the red boxes), have the policyholder sign the form, and click the yellow "Finish" button. - Clicking "Finish" submits the document and sends a PDF of your signed Authorization Form for Use and/or Disclosure of Protected Health Information to the email address entered. Download or print a copy of your completed form for your records. If you do not receive a confirmation email with your completed form attached within 24 hours, please contact WorldTrips to make sure your form was properly submitted.

• Mail to: WorldTrips Claims Department PO Box 240358 Apple Valley, MN 55124 U.S.A. 

How Long Will It Take for My Claim to Be Processed?

How Do I Find Out About the Status of Submitted Claims?

I Submitted Everything You've Requested - Why Are My Claims Still Not Processed?

Is the Explanation of Benefits (EOB) a Bill?

What Is Subrogation?

In health insurance, subrogation is the process through which an insurance company seeks to recover medical costs from another party’s insurance. For WorldTrips, it refers to those times when you or your family may have submitted a claim for medical care for which a third party is responsible. These types of claims could be car accidents, slip and fall claims, negligence claims, or product liability claims. In cases where a claim for services in the United States is in question, WorldTrips is responsible for administering the claim.

We use Equian, an independent company, to assist us with the investigation and recovery process for these subrogated claims. [equian logo?] - What Equian Will Do? As part of the investigation process, you may receive a letter or email directly from WorldTrips and Equian asking you to provide details regarding an incident or paid medical claim. The date of your consultation or treatment and the name of the healthcare provider will be listed on the letter and the investigation will be allocated an event number.

-What You Need to Do If you have been contacted by WorldTrips and Equian, you can fill out the online subrogation questionnaire at the following link: https://selfservice.troversolutions.com You will be asked to provide your event number, which was provided in the correspondence, so please have it ready to reference. You can also call the toll-free customer service number at +1 (800) 395-5568 to provide the information to an Equian customer service representative.

Customer service hours in the U.S. are as follows: - Monday through Thursday: 8:30 a.m. until 9:00 p.m., Eastern Standard Time - Friday: 8:30 a.m. until 7:00 p.m., Eastern Standard Time - How Helping Us Will Benefit You By providing WorldTrips and Equian with the requested accident-related information, you are able to take an active role in helping to control your healthcare costs. If Equian determines another party was responsible for your injuries, it may seek reimbursement from the responsible party or insurance.

With the Patient Protection Affordable Care Act (PPACA) Law, How Can You Deny Pre-Existing Conditions?

How Do I Become Contracted with WorldTrips?

Are There Any Contract Fees or Production Requirements?

Do I Have to Carry a Health Insurance License in Every State?

Can I Sell WorldTrips' Portfolio of Products on My Personal Website?

How Can I View My Production?

When and How Are Commissions Paid?

Commissions are paid each month on the third to the last business day of the month for all commissions owed for all sales since the last commissions received.  You may also be eligible for a second commission payment if you sign up to receive payment by EFT (ACH/Wire) and are owed over $100.00 on the second Wednesday of each month. 

Study Abroad Resources

How To Make Sure You Meet Student Visa USA Requirements

Travel Abroad Programs

Reasons To Get International Student Insurance

Travel Guide To Studying in India

KHE2FFFYH6SP-971744701-1074

WorldTrips' Atlas Journey, Atlas Cruiser, and Atlas On-The-Go trip protection insurance products are underwritten by Tokio Marine HCC's U.S. Specialty Insurance Company (USSIC). USSIC is a Texas-domiciled insurance company operating on an admitted basis throughout the United States. Coverage is available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. Coverage may not be available in all states.

In the State of California, operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705

• Opening time: Mon-Fri 9:00-17:00
• Call us now: 0161 772 3382

School Trip Travel Insurance, School Group Holiday Insurance

School group travel insurance.

We understand how important safety outside the classroom is. That’s why we offer travel insurance for school groups, that includes personal liability cover up to £2 million for the student and £5 million personal liability cover for the teacher, so students and teachers can sit back, relax and enjoy their trip away.

Why choose us for your school trip travel insurance policy?

Cover4Insurace is partnered with a provider that offers School Trip Travel Insurance that is easy to purchase and straight forward for Teachers and Organisers to arrange.

Please Note: Policies are only eligible for UK residents/schools 

We offer: 

• Instant quotes and cover.
• No requirement for lists of pupils and dates of birth, only the lead travellers name and date of birth is needed.
• Only need number of pupils and adults travelling on the trip.
• Many Sports and Activities can be included, including Winter Sports.
• Option to download an invoice or pay policy premiums by credit card.
• Cover trips up to 22 days 
• Cover both European or Worldwide trips

What's covered with school travel insurance policy for school trips?

• Medical expenses: Medical expenses included for each child and group leader up to £10,000,000 per person.
• Personal possessions: Cover for theft, loss or damage to your possession you take on the school group up to £1,000 per person.
• Medical support: 24-hour multi-lingual support helpline for medical emergencies meaning you always have access to English speaking support.
• Group leader money: Accidental loss or theft of group money is included up to £500
• Liability cover: £2 million of personal liability cover (per student), which is extended to £5 million for each teacher and includes liability to their students.
• Cancellation/Curtailment: Cancellation or curtailment cover: for all individuals in the group up to £1,500 per person.

What Is Covered By School Travel Insurance?

What are the additional optional covers, are sports and activities covered.

The travel insurance for school groups policy provides cover for those taking part in sporting, recreational and other activities. Some activities can be included at standard rates whilst others, due to the higher risk of injury, can be covered at an additional premium.

Sports and Activities automatically covered:

You can also purchase additional cover to your school trip travel insurance policy for the sports listed in Category B or C below

In the event of a Medical Emergency abroad, you can call our Emergency Medical Assistance service.They provide a year round, 24 hour a day service with multi-lingual coordinators and medical specialists.

Do you cover school skiing trips?

Yes, our school travel insurance policy can cover your schools skiing trip,you just need to select the Winter Sports optional cover in the booking process. This will then cover the students and teachers for Skiing,snowboarding, ice skating, big foot skiing, cross country / Nordic skiing, dry slope skiing, sledging, snowboarding, snow kiting and snow shoeing.

Cover under the school travel insurance policy will also be extended to include the following covers 

  Get a quote for school skiing trip insurance 

Is your school taking part in a tournament?

If your School Group is taking part in a amateur tournament we can provide a travel insurance policy for these types of school trips, so if your participation in a tournament for Rugby, Football or Netball for example give us a call of click here   for a quote for travel insurance for school trips

Is there a set number of adults needed for the travel insurance for school trips?

There needs to be at least 1 adult for every 10 kids under the travel insurance for school trips. Get a travel insurance for school trips quote

• Only the lead traveller's name and date of birth is needed.
• Only need number of people travelling on the trip.
• Cover trips up to 22 days.
• Cover for Europe or Worldwide.

Group Travel Insurance Callback Request

If you wish to talk with one of our advisors to discuss your group travel insurance requirements, please click the button and fill in the request a callback form.

We will then contact you on your preferred time and date, to discuss and arrange your group travel insurance.

03 December 2021

School Trip Travel Insurance

Further information on your school trip travel insurance, including the insurance statement and FAQs.

When planning your school trip, it’s vital that you arrange suitable travel insurance.

We can provide you with comprehensive school travel insurance that, as well as the usual cover also includes individual Covid cover.

What does this travel insurance cover?

This travel insurance provides cover for all the usual things, such as medical expenses should a member of the group fall ill or be injured on the trip, loss of money or belongings, travel delay, missed departure and cancellation, curtailment or change of itinerary. For further details on what’s covered, please see the insurance statements below.

The policy also covers reasonable additional costs to account for a family member to come across or a group leader/teacher to stay with the individual.

Insurance statements

If you’ve arranged your insurance through us here at Halsbury, please see below for your insurance statement.

Full Policy

Policy Summary

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Studying abroad? Here are the best international student travel insurance companies

Travel insurance can not only save students money when studying abroad, but many schools also require it..

Studying abroad is a valuable educational and cultural experience and could give you an advantage in the job market after graduation. Buying travel insurance is a way to protect yourself financially while studying abroad. 

Many international programs require travel insurance , and some offer it through a predetermined provider. But if you're on the hunt for a comprehensive travel insurance plan on your own, CNBC Select has made it a little easier. We compared dozens of top travel insurance companies for students and narrowed down the five best options that stood out for their strong coverage and affordability . (See our methodology for more information.)

Best student travel insurance

• Best for affordability: AXA Assistance USA Travel Insurance
• Best for medical expenses: USI Affinity Travel Insurance
• Best for trip interruptions: Travel Guard Travel Insurance
• Best for customizable coverage: Allianz Travel Insurance
• Best for students on a budget: Berkshire Hathaway Travel Protection

Best for affordability

Axa assistance usa travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

AXA Assistance USA offers several travel insurance policies that include travel interruption, trip cancellation, and the option of cancel for any reason (CFAR) coverage.

24/7 assistance available

• Three tiers of plans available
• Highly rated for financial strength
• Cancel for any reason only available on highest-tier coverage

AXA Assistance USA 's most basic plan, the Silver Plan, includes all of the essentials a student will likely need while studying abroad: coverage for emergency medical expenses (up to $25,000 for accident or sickness and up to $100,000 for evacuation), baggage loss (up to $750) trip interruption and trip cancellation. 

It's budget-friendly as well and is one of the most affordable yet comprehensive travel insurance plans on the market. If you're interested in higher coverage limits, AXA offers two more premium plans, one of which includes a cancel for any reason (CFAR) option. 

[ Jump to more details ]

Best for medical expenses

Usi affinity travel insurance.

USI Affinity has travel medical policies in addition to trip cancellation policies. Travel medical plans include an option for frequent travelers to cover multiple trips. Trip cancellation options include coverage for road trips and group travel.

• Wide variety of plans for both trip cancellation coverage and travel medical insurance
• CFAR only covers up to 70% of non-refundable trip costs

USI Affinity is a good choice for students primarily concerned about potential medical expenses abroad. The company offers only one trip cancellation plan but offers a wide variety of travel medical plans tailored to specific situations.

Best for trip interruptions

Travel guard® travel insurance.

Travel Guard offers a variety of plans to suit travel ranging from road trips to long cruises. For air travelers, Travel Guard can help assist with tracking baggage or covering lost or delayed baggage.

• A variety of plans are available to help cover different types of trips
• Not all products are available for purchase online

Students who are concerned about trip interruptions should consider Travel Guard , which offers last-minute coverage. There are three base packages available online, with more options available through a representative. Its most basic plan includes typical coverage for travel medical expenses (up to $15,000 in medical expenses and $150,000 for evacuation), but robust coverage for trip cancellation, trip interruption, baggage theft as well as per-day compensation for trip delays.

Best for customizable coverage

Allianz travel insurance.

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Allianz offers a whopping 10 different travel insurance policies. While many premium insurers offer cancel for any reason coverage that can cover up to 75% of prepaid, non-refundable trip costs, Allianz's Cancel Anytime upgrade can reimburse up to 80% of your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. If you're planning to be adventurous during your study abroad experience, Allianz has a variety of add-ons to cover rental cars, hazardous sports and more. 

Best for students on a budget

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

• Wide variety of policies available
• Strong financial strength rating by AM Best
• Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Berkshire Hathaway Travel Protection is a strong choice for students on a tight budget looking for strong coverage. Its most basic plan (the ExactCare Value plan) earned one of the cheapest quotes reviewed by CNBC Select and includes moderate-limit coverage for everything a student might need while studying internationally. 

More on our top travel insurance for studying abroad

AXA's travel insurance offers medical coverage for emergencies and accidents while traveling for up to $250,000. It offers three different plans for travelers starting as low as $16 according to its website.

CFAR coverage available

24/7 assistance?  

[ Return to summary ]

USI Affinity offers a number of travel plans, including travel medical plans for those traveling outside of the U.S. Its InterMedical Insurance plan has three levels of medical coverage available ranging from $50,000 to $150,000, and starts at $1.35 per day, according to the company's website.

Travel Guard Travel Insurance

Travel Guard's travel insurance could be a fit for students studying abroad with three levels of coverage. Its travel medical expense coverage can go up to $100,000 with the brand's deluxe plan.

Allianz offers several types of travel insurance for students, including its OneTrip Emergency Medical Plan with up to $50,000 in emergency medical benefits and $250,000 in evacuation benefits. Its OneTrip Prime and Premier plans offer cancellation and trip interruption benefits on top of emergency medical benefits up to $50,000.

Berkshire Hathaway Travel Insurance

Berkshire Hathaway Travel Protection offers several travel insurance plans that could be a fit for student travelers, including its ExactCare Value and ExactCare plans, offering both trip cancellation and interruption coverage in addition to medical coverage.

What does travel insurance cover for studying abroad? 

Medical expenses and emergency evacuation.

Stan Sandberg, a co-founder of the online marketplace TravelInsurance.com , said medical coverage is the most important area of coverage for students studying abroad. 

Most travel insurance plans, regardless of whether they are designed for students, cover medical expenses incurred abroad. Medical expense coverage can help to cover injuries or illnesses you may incur while abroad. Emergency evacuation coverage generally includes transportation to the nearest adequate facility or transportation home.

Travel medical coverage can exclude some situations that are relevant for students studying abroad — namely, intoxication. "If the individual is either beyond a certain intoxication level or under the influence of illegal substances, those things are very often excluded from coverage," Sandberg said. "So, a student traveling to a country that doesn't have a drinking age, for instance, that would be something to keep in mind."

Because of cultural alienation and homesickness, studying abroad can be an emotionally difficult time for many students. If you are shopping for student travel insurance, you should consider searching for a plan that covers mental health services. Read your travel policy carefully to understand the coverage offered and any requirements for coverage.

If medical expenses are the only cost you wish to insure, then you might instead consider an international health plan, which Sandberg recommends for students on a budget . 

Trip cancellation and interruption 

If your circumstances change at the last minute, you'll be grateful to have a travel insurance plan with trip cancellation coverage, which will reimburse you for your non-refundable trip costs, like flights and hotels , for covered events. 

This coverage will not, however, cover any non-refundable costs of your study abroad program, such as tuition, room and board, which are likely to be much more expensive than the flights to and from. So to Sandberg, this coverage is slightly less important for students.

Travel assistance

It's possible that studying abroad will be a student's first time out of the country. Traveling internationally , especially in areas with a language barrier, can be confusing. Many travel insurance plans, and all five policies we chose as our top picks , offer a 24/7 helpline to assist you along your journey. 

Lost or stolen baggage

Along with travel assistance, baggage loss and baggage delay coverage are examples of post-departure benefits. Study abroad programs typically last an entire semester or a summer, so you'll likely pack a lot of luggage. 

If you're traveling with valuables, you should consider searching for a plan that includes baggage insurance. Sandberg recommends reading the fine print, though, as many plans exclude electronic items in luggage and items above a certain value. 

And of course, make sure any policy is worth your money and aligns with your coverage goals before purchasing it. Many travel insurance policies offer free look periods that include time to read over the policy and cancel coverage with a refund.

What is travel insurance for studying abroad? 

For students and adults alike, travel insurance is a flexible type of coverage designed to protect you when you're far from home. By purchasing a policy, you can prevent financial hardship related to international medical expenses or travel mishaps like interruptions, delays and lost luggage. Some premium travel insurance plans offer cancel for any reason (CFAR) coverage, which allows you to recoup some of your expenses should you cancel your trip for any reason.

Is travel insurance worth it for studying abroad?

Travel insurance is a wise investment for travelers who will be abroad for a while, including students studying abroad. Most domestic medical plans do not cover international hospital bills, so in case of an emergency, having travel insurance with medical expense coverage could be crucial.

How much does travel insurance cost for students studying abroad?  

Travel insurance costs vary depending on the length of the trip, the age of the travelers and the extent of the coverage. You can expect to pay around 4% to 10% of your trip's total cost, according to travel insurance comparison site InsureMyTrip . Keep in mind though that your trip's "total cost" does not include the cost of your study abroad program itself. Most travel insurance companies are only interested in the cost of flights and non-program lodging like hotels. The best way to estimate the cost of insuring your trip is to get quotes from multiple companies.

What is international health insurance?

International health insurance is a health coverage plan that covers your medical expenses anywhere in the world. An international health insurance plan provides very similar medical coverage to that provided by a travel insurance plan.

Do I need travel insurance if my credit card has it already?

Some of the best travel credit cards on the market provide some travel protection. For example, the  Chase Sapphire Reserve®  card offers trip cancellation and interruption insurance up to $10,000 per covered person up to $20,000 per trip, travel accident insurance, emergency evacuation insurance and coverage for baggage delays and loss. Ask your issuer if your card has any travel protection benefits. If not, or if the coverage is minimal, you should consider purchasing travel insurance from a third party.

Bottom line

Not only is it a smart idea to purchase travel insurance to study abroad, but it is also required by a lot of international programs. With travel insurance, students can worry less about the unexpected and make the most of their experience abroad. If your academic program does not have a pre-existing partnership with a certain provider, then consider using one of these top travel insurance companies for students. 

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best cheap travel insurance.

Our methodology 

To determine the best travel insurance companies for students studying abroad, CNBC Select analyzed dozens of U.S. travel insurance companies that come with a wide variety of policies and offer coverage for a number of situations. 

When narrowing down the best travel insurance companies, we focused on the coverage available, including the number of plans available, 24/7 assistance availability and cancel for any reason (CFAR) coverage availability. We also considered financial strength ratings from AM Best and Better Business Bureau ratings for customer satisfaction.

To consider costs, we gathered quotes from the top travel insurance companies for four sample trips, which included:

1. A semester-long (January 15 to June 15) study-abroad trip to the United Kingdom:

• $3,000 per person (flights to and from JFK and non-program hotels)
• New York residents
• Traveler aged 20

2. A summer (June 15-August 15) study-abroad trip to Italy:

• $2,000 per person (flights to and from JFK and non-program hotels)

Sample quotes assumed that payments were made on the date of quoting.

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money . And follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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Zurich Insurance Buys AIG Travel Business in $600 Million Deal

FILE PHOTO: The AIG logo is seen at its building in New York's financial district March 19, 2015.REUTERS/Brendan McDermid/File Photo

By John Revill

ZURICH (Reuters) -Zurich Insurance on Wednesday announced a $600 million deal to buy AIG's global personal travel insurance and assistance business.

The business will be combined with Zurich's travel insurance provider Cover-More Group (Cover-More) and will expand its footprint in the United States, Zurich said.

The acquisition, which is expected to close before the end of 2024, will result in combined annual gross written premiums of approximately $2 billion for the enlarged Cover-More Group.

"Travel insurance is a priority for us," said Cara Morton, CEO Zurich Global Ventures.

"This transaction is a great strategic fit, which enhances Zurich's existing capabilities and makes us a leading travel insurance provider across all regions," she added.

(Editing by Ludwig Burger)

Copyright 2024 Thomson Reuters .

Tags: Switzerland , United States , Europe

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• Travel Insurance
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School Group Travel Insurance

JS Travel Insurance provides School Group Travel Insurance for primary and secondary school groups from England, Wales, Northern Ireland, or Scotland. The insurance covers school trips abroad, be it a City Trip, Sports Trip, or  School Ski Trip . This includes…

Read More..

JS Travel Insurance provides School Group Travel Insurance for primary and secondary school groups from England, Wales, Northern Ireland, or Scotland. The insurance covers school trips abroad, be it a City Trip, Sports Trip, or  School Ski Trip .

This includes Covid-19 Cover for Cancellations and Medical Expenses.

Type of School trips we provide Travel Insurance for:

• Field Trips
• Cultural Visits
• Sports trips like Rugby or Football Tours and Tournaments 
• School Ski Trips (February Half Term or Easter Holidays)  
• UK-Based trips (with Covid-19 coverage) 

To contact us by telephone or email,  0800 043 0020 / 01273 092 757 [email protected]

• Summary of Cover

School Group Travel Insurance FAQs

School or university group, sports and activities, school trip cover, excluding pre-existing medical conditions, summary of cover (per person).

* Excess  payables vary depending on the claim benefit.

Please read the Policy Wording for the complete list of Benefits.

Healix Insurance Services Ltd, on behalf of Hamilton Insurance DAC, arranges this Travel Insurance policy for Jade Stanley Ltd. Healix Insurance Ltd is registered in England and Wales under No. 5484190 and authorised and regulated by the Financial Conduct Authority under No. 437248. Hamilton Insurance DAC is registered in Ireland No. 484148, authorised by the Central Bank of Ireland, and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in connection with their UK branch. Jade Stanley Ltd is registered in England and Wales under No. 03570857 and authorised and regulated by the Financial Conduct Authority under No. 306205.

1. Does JS Travel Insurance cover Coronavirus for School Group Travel Insurance?

Yes, we cover  Cancellation if you receive a positive result within 14 days of your trip and Medical Expenses if you test positive while you are away.

However, you are not covered if your area goes into quarantine and you cannot travel.

2. If one of the children gets ill while away, will the Travel Insurance pay for a carer or parent to travel to help look after them?

The Policy will only provide cover if it is medically necessary for a parent to travel to them. The emergency assistance service needs to agree upon and accept this in advance. In these circumstances, a child will never be left without adult supervision.

For example, if the school trip ends and the child is still in the hospital, the emergency assistance company will arrange for a parent or escort to stay with the child.

3. Can we change the names of the people in the Group named on the Policy issued?

Yes, we can update names and other details until the departure date. However, we cannot change a name if the person we are replacing is making a claim.

4. Does each person in the School Group need their Travel Insurance Certificate and Policy?

Not all travellers can be on one certificate. If one person or more wants to have their Policy and certification, we can separate them from the others.

5. Are the Benefits per person or for the whole Group?

The benefits shown are for each person and not for the entire Group. For example, if the Policy has a Cancellation Cover of £3,000, each person can claim that Benefit.

6. What are the most common Groups that JS Travel Insurance covers?

We have covered half-term ski trips , football , rugby , and  gymnastics tournaments/ competitions in France , Spain , and many other countries, as well as school trips to the UK and Europe. 

7. Does JS Travel Insurance cover University Groups?

For the past ten years, we have provided Travel Insurance for Universities for sports and activities.

9. When is the best time to purchase a School Group Travel Insurance policy?

As soon as the trip has been booked, you should purchase cover; this allows for claims for Cancellation or changes to be made to the names insured on the Policy.

10. Is there a 24 / 7 Emergency Assistance number available?

Yes, we provide a telephone number you can call anytime if you require assistance in an emergency.

11. If the School already has Travel Insurance but needs COVID-19 coverage, can JS still insure us?

Yes, we provide many policies where the schools' Travel Insurance Policy does not cover COVID-19; we then supply a Policy to supplement their current policy. 

12. Does this policy cover Personal Baggage and Gadgets?

Personal baggage is covered for those who are under 18 on our policies, however, we do not cover valuables such as a mobile phone or gadgets for those who are under 18 years of age.

Suppose you are responsible for a Group of Students. In that case, you might want to take a closer look at various Group Travel Insurance policies because these policies are much cheaper than purchasing individual policies for each Group Member.

For School Groups,  there should always be one adult for every ten children travelling; we can not accept policies with more than ten children per supervising adult. Note: Adults are defined as 21 years old and older. 

The Group policy covers those participating in Sporting, Recreational, and other Activities.  Half-term School  Ski Holidays are protected. 

Some Activities can be included at standard rates, whilst others, due to the higher risk of injury, can be covered at an additional premium.

We can provide a policy if your School Group participates in a Rugby (Amateur Tournament) or Football (Amateur Tournament ).

Please Note: With Rugby, you will need a School or Club to get permission from your Union to tour or play in a Tournament overseas and provide them with your Travel Insurance details.

JS Travel Insurance is partnered with a provider that offers School Trip Travel Insurance that is easy to purchase and straightforward for Teachers and Organisers to arrange.

The good thing about these Policies is that you do not need to know the names and dates of birth of all the children and adults travelling.

This Policy does not cover re-occurring or pre-existing medical conditions  unless  you are 18 years or under and travelling in the United Kingdom or Europe.

Just the numbers in the age bands o, 0-11, 2-18, 9-55, 6-64, 65-75

It makes it easier to arrange 

• Instant quotes and covers are available.
• There is no requirement for lists of pupils and dates of birth.
• Many Sports and Activities can be included, including Winter Sports.
• Option to download an invoice or pay policy premiums by credit card.
• These providers' policies are cheaper when there are many Primary School pupils. 

GET A QUOTE .

We can provide coverage that  excludes  all diagnosed medical conditions.

We cannot provide cover if you are awaiting a diagnosis of a suspected medical condition.

You will not be covered for any claim arising directly or indirectly from any Medical Conditions you have or have had for which you are taking or have taken prescribed medication or for which you are waiting to receive or have received diagnosis or treatment (including surgery, test or investigations), at any time before purchasing this Policy.

Useful Site on Health and Safety for School Trips 

Related pages.

• Accepted Medical Conditions Travel Insurance | JS Insurance
• School Ski Trip Travel Insurance | JS Insurance

Travel Insurance Toolkit

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• Covered by the Financial Services Compensation Scheme
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JS Travel Insurance is the trading name of Jade Stanley Limited, 5 Chapel Mews, Waterloo Street,Hove, East Sussex, BN3 1AR, Telephone: 0800 043 0020 . Jade Stanley Ltd is authorised and regulated by the Financial Conduct Authority. FCA Registration number is 306205

What is travel insurance?

What is travel protection.

• Travel insurance vs. Travel protection

How to purchase

Travel protection conclusion and recommendations, travel insurance vs. travel protection faqs, travel insurance vs travel protection: understanding the differences.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Travel protection covers trip cancellations, while travel insurance covers cancellations and medical costs.
• Travel insurance is usually more expensive than travel protection, as it provides more coverage.
• Travel insurance typically costs 4-8% of your total trip costs, more with CFAR protection.

In high school geometry class, you likely learned all squares are rectangles, but not all rectangles are squares. The same can be said for the perceived connection between travel insurance and travel protection.

The two similar-sounding terms describe entirely different products if you're researching how to protect your trip. While all travel protection plans are considered travel insurance, not all travel insurance provides travel protection.

Suffice it to say the confusion surrounding this topic, even among savvy travelers, is all too common.

"Travel protection and travel insurance are sometimes used interchangeably, but these two products are quite different and work best when they complement one another," says Joe Cronin, president of International Citizens Insurance, who cuts to the root of the problem. Understanding the difference between the two products is essential to ensure you have the right coverage for your next trip

Coverage and Benefits

Travel insurance is a regulated product purchased by the consumer from a third party and underwritten by a reputable insurance company. Depending on the policy purchased, the best travel insurance policies can help cover losses associated with travel delays, lost luggage, medical expenses, or trip cancellations. In addition, many travel insurance plans have added specialty coverage from sports equipment to pets and roadside service. 

You can buy travel insurance exclusively for trip cancellations, flights, or other individual service. Or you can expand your coverage by purchasing a cancel for any reason (CFAR) policy .

Limitations and exclusions

According to Generali Travel Insurance , most insurance companies enforce the following limitations and exclusions: 

• Reasonably foreseeable events (i.e., known storms, epidemics, acts of war)
• Travel restrictions by government authorities
• Pre-existing conditions (unless a waiver applies)
• High-risk activities

Coverage Scope

Travel protection (also called trip protection) is an unregulated product purchased directly from the provider (from travel agencies and credit card issuers to airlines and cruise ship companies). This option offers limited trip cancellation coverage in the form of fees waived and credit issued in the case of changes to the itinerary and cancellation, respectively. 

Buyers cannot make travel protection more comprehensive, which means limited, less customizable options. This could be sufficient if you're insuring a short-term, domestic trip. But more extensive trips require more extensive coverage, which travel insurance may be better suited for.

Typical Inclusions

Your coverage options vary by insurance provider, but most will offer trip cancellation and trip interruption. These coverages insurers nonrefundable, prepaid expenses, and additional expenses incurred due to a cancellation or interruption.

Comparing travel insurance and travel protection

Differences in coverage.

Cronin is critical of travel protection, saying it is not "a suitable policy in place of insurance, rather a good add-on if the price is right." He underscores while trip protection policies can be pretty generous, services remain unregulated and rife with exclusions.

Nicholas Imtias, an avid world traveler, learned this the hard way after opting for budget-friendly travel protection for a canceled overseas trip. Unfortunately, he could not utilize the waiver he received for a flight from Sri Lanka to the Maldives when the unregulated protection proved nothing but an empty promise.

Additionally, most non-insurance providers offer medical-related coverage. This could be crucial coverage if you're traveling abroad, especially if your health insurance isn't effective at your destination. 

Cost Considerations

As such, when compared side-by-side, the cost of travel protection will invariably be less than the cost of travel insurance, making it an attractive option for many who still need to do their homework.

Trip protection may pop up when booking your flight, whether through a deal site like Expedia or the main airline website. In most cases, premiums are low, totaling as little as $25-$30 for a short flight. But, as mentioned before, it only covers the flight.

The cost of travel insurance , on the other hand, equates to a percentage of the trip's total cost. Typically, premiums equate to an average of 4-8% of trip costs. Of course, a good travel insurance plan can't protect you from the inconvenience and sheer expense of an emergency while traveling abroad (which, depending upon the specifics, could be thousands of dollars or more) or ahead of time. But it can help to make you whole after the fact.

This could mean giving you a claim settlement to cover toiletries and other necessities in the immediate aftermath of a lost bag. It could also mean reimbursing you for a portion of nonrefundable trip costs if you have to cancel your trip. For travelers researching "how to protect your trip," travel insurance covers what we forget about until we need it.

The exact costs for travel insurance vary based on the trip and the coverage you want. For example, if you want cancel for any reason (CFAR) coverage, you should expect a hefty increase in your premiums. But for people canceling trips for excluded reasons with a regular travel insurance plan, CFAR coverage would be well worth it. The general rule is simple: the more protection you want, the more you'll have to pay.

Choosing the right option for your trip

Assessing your travel needs.

Many people have a simple question: How much should I spend on travel insurance? The answer is it depends. So, before making any decisions and signing on the dotted line, consider your travel needs and budget.

"Travel insurance is designed to protect you and your trip from unexpected costs and losses …[and] depending on the plan you choose, the coverage can be very comprehensive," Pamela Bardo, vice president of Customer Service & Delivery at FlightHub Group, says.

"Rather than providing broad coverage, travel protection typically protects the customer's purchase in case they need to cancel due to unforeseen circumstances such as illness," Bardo explains. She emphasizes that travel protection does not typically cover indirect costs, such as the high costs of an emergency evacuation.

Travelers should look at the specifics of their travel plans and buy the appropriate plan. For example, suppose you're traveling from California to New York. In that case, you should get protection for your flight, and you might want to consider cancel for any reason coverage, depending on many factors. However, getting medical travel insurance wouldn't make sense when your regular health insurance travels with you.

On the other hand, if you're traveling to Thailand, you'll want to protect the most expensive part of your trip (flight). You'll also want to get a robust medical plan in case something goes wrong in a country where you do not have other health insurance.

Factors to consider

Before choosing between travel insurance and protection, consider the following factors: 

• Destination: If you're traveling internationally or to a high-risk area, consider purchasing a policy. Travel protection may be enough if you're taking a domestic trip to see family members. 
• Trip cost: A costlier and longer trip may require higher coverage limits, which travel insurance tends to provide. Travel protection often has limits over what and how much it'll cover. 
• Activities: High-risk activities (i.e., sports, outdoor activities, etc.) increase the risk of injury. Travel protections likely won't cover high-risk events, but travel insurance gives you the option to include a sports and adventures add-on. 

Purchasing tips and best practices

You can buy travel insurance through an insurance provider, comparison site, broker, or travel agency. You can purchase protection through the service provider. For example, hotels, airlines, and large events may protect your purchase if you cancel. But you may find that not all services or events provide this benefit.  

Opting into protection or buying insurance shortly after you make your first trip deposit ensures that all future cancellations are covered. If you choose not to purchase your policy immediately, you must do so within a certain amount of time to qualify for pre-existing condition coverage  — usually 14 days. 

Reading and understanding policy terms

Travel insurance and protection features can overlap, but both come with several exclusions. It's important to know what coverages you require. It's also important to read through your insurance policy or travel protection's terms and conditions to determine which one is right for you. 

Making an Informed Decision

Travel insurance and travel protection are valuable tools designed to help keep travelers safe and protected on their journeys. Both provide peace of mind while en route to destinations around the globe. But it's essential to consider factors unique to your itineraries, such as the length and cost of your trip, potential personal risks or concerns, and any existing insurance coverage. All these things allow travelers to make the right decision for their travel plans.

Whether travel protection is enough for international travel depends on your situation. Travel insurance is generally recommended for more extensive, international trips due to its comprehensive coverage. It includes medical emergencies which travel protection plans don't typically cover.

Yes, especially if the travel protection is free or more cost-effective than specific coverage from travel insurance policies. Before purchasing travel insurance, be sure you don't already have a travel protection benefit.

No, travel protection does not cover medical emergencies. Trip cancellation and interruption are more common benefits.

You should prioritize travel protection if you're taking a domestic trip, as your primary health insurance provider should adequately cover you when you're in the country, reducing your need for travel medical coverage.

Travel insurance policies cover pre-existing conditions if purchased within a certain timeframe. while travel protection plans typically don't cover medical emergencies and pre-existing conditions.

• Main content

Election latest: Campaign focuses on veterans on Armed Forces Day - as PM hails 'dedication' of servicepeople

Party leaders will be on the election campaign trail on Armed Forces Day discussing defence and support for veterans. But the fallout is expected to continue from comments made by campaigners for Reform UK, as party leader Nigel Farage declined to apologise for their actions.

Saturday 29 June 2024 09:54, UK

• General Election 2024

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• Campaign to focus on support for veterans on Armed Forces Day
• Reform canvasser in PM racism row says he was 'a total fool'
• Faultlines:   Eight-hour school runs and kids too hungry to sleep - the families caught up in housing 'social cleansing'
• Politics at Jack and Sam's : The last weekend
• Live reporting by Faith Ridler

Election essentials

• Manifesto pledges: Conservatives | Greens | Labour | Lib Dems | Plaid | Reform | SNP
• Trackers:  Who's leading polls? | Is PM keeping promises?
• Campaign Heritage:  Memorable moments from elections gone by
• Follow Sky's politics podcasts:  Electoral Dysfunction | Politics At Jack And Sam's
• Read more:  Who is standing down? | Key seats to watch | What counts as voter ID? | Check if your constituency is changing | Guide to election lingo
• How to watch election on Sky News

By David Blevins , senior Ireland correspondent

Fermanagh and South Tyrone is the UK's most westerly constituency and its most marginal.

Sinn Fein won the seat by just four votes in 2010 and by a mere 57 in 2019.

Witness to one of the worst terrorist atrocities - Enniskillen's Poppy Day bombing in 1987 - it has been scarred by the past.

But at Erne Wrestling Club in Irvinestown, they refuse to submit to those divisions.

Coach Alex Edgar said: "Activities like this bring everybody together and religion doesn't mean anything.

"It's all about having fun and at the end of the day, it gets them out of the house and keeps them fit and active."

One topic many people will be watching closely throughout the general election campaign is how parties are approaching LGBTQ+ issues.

Below, Sky News has wrapped up everything you need to know...

By Dr Hannah Bunting, Sky News elections analyst, and Joely Santa Cruz, data journalist

This week the party leaders made their final pleas to voters.

The Labour and Lib Dem leaders visited some of their most ambitious targets so far, while the prime minister took a scattergun approach, fighting for votes in even some of the safest of Tory seats.

This campaign is being fought on new electoral boundaries, with many constituencies undergoing significant changes since 2019.

For the purposes of this analysis, we use notional results based on  calculations by Colin Rallings and Michael Thrasher , honorary professors at the University of Exeter, which estimate the 2019 election seat results if they had taken place on the new constituency boundaries.

You can read more from our experts in the link below...

By Megan Harwood-Baynes , digital investigations reporter

Reform and Labour have bought up advertising on two major national news sites in a bid to sway voters in the remaining days before the general election.

When looking at MailOnline, Nigel Farage's stern face beams down from both the main banner and the left of the site.

Their manifesto - which have they been calling their "contract" with the public - is pasted down the side of the news website.

Meanwhile, Labour, perhaps in a bid to emulate 1992's "It's the Sun Wot Won It" front page, have pasted their advertising all over The Sun online.

With a countdown to 4 July, they also bemoan "14 years of Tory chaos".

Crucially, neither of these papers have openly endorsed a candidate, although a regular reader may be forgiven for not noticing this nuance.

In 1992, The Sun claimed credit for the victory of the Conservative Party, after openly campaigning to drive voters away from the then-Labour leader Neil Kinnock.

It is regularly cited as demonstrative of the influence the tabloid press could have over politicians and elections.

So far, the Daily Telegraph has come out in support of the Tories, while the Guardian, Daily Mirror, Economist, New Statesman and Daily Record have all backed the Labour Party.

The Times, The Sun and the Daily Mail have not endorsed anyone, and the Daily Star has taken the unusual (but perhaps unsurprising) approach of supporting Count Binface, labelling him the "most sane politician in the UK".

And while the Mirror has already backed Labour, and despite - at first glance - appearing to be plastered with advertising for the party, the red banners promising "change" are actually for coffee brand Nespresso.

Sky News has been looking at the advertising as part of the Online Election project - a Sky News initiative to cover how the campaign is playing out online, led by Tom Cheshire , Online Campaign correspondent .

We also found  one party has been dominating social media  - but it's not the one spending the most.

Reform UK has been dominating, with its page growing by more than 32,000 followers over the course of the campaign. 

Meanwhile, the Tories have only seen 596 new followers.

Sixteen of the top 20 most-loved posts were also from Mr Farage.

And for some Tories, the only brand has been seen as so bad, that  some have ditched it altogether .

John Healey, the shadow defence secretary, has urged Nigel Farage to "get a grip" of Reform UK after a racism row involving the prime minister.

It comes as a Reform UK canvasser who used a racial slur against Rishi Sunak has called himself a "total fool" and said he has learned his lesson.

Footage from an undercover Channel 4 reporter showed Reform campaigner Andrew Parker using a discriminatory term about the prime minister, as well as saying the army should "just shoot" migrants crossing the Channel.

Police are now assessing the comments to establish if an offence has been committed, while Mr Sunak  said the insult directed at him "hurts and it makes me angry".

Asked about this, Mr Healey said: "To some extent, I see him fuelling a row over this Channel 4 film to distract, really, from the fact that there are officials and there are candidates right at the heart of the Reform party, that have been responsible for racist, anti-gay, and other deeply offensive statements.

"And it's for Farage to take action on them. And in the end, the culture and the standards of any political party are set by the leader and Nigel Farage wants to be seen as a leader.

"He needs to get a grip of his own party and he's failing to do that at the moment."

He compared the situation to the "very similar challenge" faced by Sir Keir Starmer in tackling the "antisemitism that had been allowed to fester in parts of the Labour Party".

"He did that and that's the responsibility of any leader of any political party".

More now from security minister Tom Tugendhat, who is on the media round this morning.

He did not rule out a run at the Tory leadership if Rishi Sunak quits following the general election.

Asked if he wanted to be leader, he told Times Radio: "What I want to do is to make sure we've got a Conservative leader in this country and that's why I'm supporting Rishi Sunak.

"Because the alternative with Keir Starmer, I'm afraid, is higher taxes, more regulation, worse growth and more unemployment.

"What we need to do is to make sure that Conservatives across this country win their seats and that's exactly what I've been focused on."

Pressed again on the issue of what happens after the election, he said: "Well, we'll deal with hypotheticals in a different way.

"I mean, the reality is Rishi Sunak is the candidate, there's only two candidates for prime minister, there's Rishi Sunak and there's Sir Keir Starmer.

"One of them is committed to lowering your taxes, protecting your borders and making a difference in everybody's lives.

"The other, I'm afraid, is Sir Keir Starmer who is committed to raising your taxes, to making life a little bit harder for everybody and to lecturing you on how to live your life."

By Adele Robinson, news correspondent

It's an icy cold December morning outside a Travelodge in Enfield, north London, when we first meet Nedret Batir.

She's wearing a T-shirt, but seems oblivious to the temperature - only consumed with her obvious and immediate distress.

Everything she owns, along with her two daughters' possessions, are packed up into suitcases in the corridor of the hotel.

She has just been evicted from her room and is now officially homeless.

There are dark circles under her eyes, and she looks pale, as she calls the council's housing department.

Tom Tugendhat, the security minister, has criticised those "in Nigel Farage's company" who have "rather extraordinary and unpleasant views".

Asked about this, Mr Tugendhat said: "While there are many people who are voting for Reform UK in order to protest, this isn't simply a party of protest.

"And what he's drawing attention to is the reality that sadly too many people in Nigel Farage's company are people who have rather extraordinary and unpleasant views."

The minister went on to condemn this "hateful language".

He said: "The prime minister quite rightly spoke not just as prime minister about this hateful language, but as a father of two young girls who frankly should not have to put up with this horrific language being used against their father."

Mr Tugendhat added that, additionally, there is a "pattern" of antisemitism and misogyny.

Was this the day the wheels began to come off for Nigel Farage's Reform UK bandwagon? Quite possibly.

It was a day that began with terrible newspaper headlines and ended with a clash about racism in his party with a hostile TV audience.

It may be, of course, that this ugly racism row has come too late to slam the brakes on the Farage juggernaut threatening to crush the Tories.

That's because, firstly, it's estimated that one in four of us will cast a postal vote in this election and many voters will have returned theirs already.

Secondly, Mr Farage relishes controversy and revels in the role of the insurgent battling against the establishment and political convention.

But even by his standards of notoriety the day got off to a bad start, when The Daily Telegraph's front-page headline declared: "Farage is a Putin appeaser, says Sunak".

TV presenter Rylan Clark has said he would "love" to become a politician - and replace the party system with a "Power Rangers of government" model.

The TV personality, 35, joined political editor Beth Rigby and former Scottish Conservative leader Baroness Ruth Davidson for this week's Sky News Electoral Dysfunction podcast.

Asked if he would ever consider the career change, he said: "If I wasn't in the job that I was in, I would love nothing more."

Rylan, who won Celebrity Big Brother and also appeared on the X Factor, appeared on the podcast in place of Labour candidate Jess Phillips after tweeting his praise for Rigby on the day Rishi Sunak announced the general election.

Sharing a clip of her and Sky presenter Sophy Ridge outside a rainy Downing Street waiting for Mr Sunak to appear at the lectern, he said: "Obsessed with the Rigby."

Speaking to her and Davidson, he said his "obsession" with politics began with Brexit - "as we've seen so many promises which weren't fulfilled" since then.

He added: "I lie there at night sometimes, and I think about [Volodymyr] Zelenskyy. He hosted one of the same shows I've hosted in Ukraine."

The TV presenter also shared his idea of abandoning political parties altogether.

Read the full story here: 

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