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The Best Travel Insurance for Students

Alisha is a freelance writer and photographer. She is the creator of travel and adventure site Terradrift.com and has written about travel and rewards for many publications, including American Way and Johnny Jet.

Megan Lee joined the travel rewards team at NerdWallet with over 12 years of SEO, writing and content development experience, primarily in international education and nonprofit work. She has been published in U.S. News & World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for websites like GoAbroad and Go Overseas. When not traveling, Megan adventures around her Midwest home base where she likes to attend theme parties, ride her bike and cook Asian food.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

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.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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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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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

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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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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.

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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Student Travel Insurance Benefits

Study-abroad and student travel programs are an incredible opportunity for young people to experience the wide world. But as any chaperone can tell you, there's always one student who misses the plane, loses their passport or ends up in the hospital after eating bad pineapple. What will you do if it's your son or daughter?

Three Things You Need To Know Before Buying Student Travel Insurance

School travel coordinators will do their best to help, but what you really need is a student travel insurance  policy that includes emergency medical services coverage and trip cancellation coverage . Whether your student is embarking on domestic travel or a long international vacation , you need to get student travel insurance first. Here are the three reasons why.

1. Student travelers take more risks.

Sometimes, the thrill of studying abroad erases young travelers' good judgment. They may leave their bag on the beach while snorkeling, only to find someone has stolen their passport. Or they may sprain an ankle while learning to dance the Merengue. It's all part of the adventure - and it's okay, as long as they have student travel insurance.

Look for a student policy that includes things like medical coverage, trip interruption coverage, emergency medical evacuation coverage, 24/7 travel assistance services and more.

2. In an emergency, student travel insurance may provide valuable guidance.

For student travelers who have never left home before, traveling overseas can be scary because they don't know what to do in an emergency. That's when a student travel insurance policy with access to a 24-hour hotline can help. No matter where students are in the world, a multilingual specialist can offer guidance for all kinds of problems, from tracking down lost baggage to getting emergency medical care.

3. Student travel insurance gives you peace of mind.

It's hard enough to wave goodbye to your daughter before she boards an international flight for the first time. Do you really want to be worrying about her every minute she's overseas? A student travel insurance policy lets you know she's covered in case the unexpected happens. Look for a policy that offers coverage for illness, accidents, lost baggage, missed flights, theft or other international emergencies. Make sure you review your insurance plan carefully before you buy, because not all plans offer the same coverage.

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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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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.

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
• Budget-friendly Renters Insurance Providers
• National Term Life Insurance Providers
• Cost-effective Homeowners Insurance Companies

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

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• Health insurance for visitors to usa
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• 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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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

We don’t need the names of all pupils, you might also be interested in…..

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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.

• Travel Agents & Tour Operators

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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More information.

What is group travel insurance?

• Coverage options
• Choosing the right plan

Purchasing and managing group policies

• Special considerations
• Final recommendations and tips

Group Travel Insurance: A Comprehensive Guide

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• Group travel insurance is a single policy that covers groups of 10 or more. 
• Everyone in the group must have the same itinerary and travel to the same destination.
• Shop early and compare quotes to get the best deal. 

Whether preparing for a large family reunion in another state, booking a business trip with colleagues, or traveling with your college crew to a new country, you might consider group travel insurance. Group travel insurance provides financial protection for trips of 10 or more groups. But apart from the party size requirements, it functions the same as other travel insurance policies. 

Here's what you need to know about group travel insurance — how to determine if you need it, different options, and tips to secure the best deal. 

Group travel insurance is a single travel insurance policy that protects everyone on a trip. The policies are available for groups of 10 or more. Unlike other insurance policies that only cover one person or family travel insurance that only covers related travelers, group travel insurance can cover any group traveling together. You do not have to be related.

Group travel insurance policies usually offer comprehensive coverage, including standard protections against lost luggage, legal fees, medical emergencies, trip cancellations, and more. 

Key Benefits of Group Travel Insurance

Cost-effectiveness.

Group travel insurance may be cheaper than buying separate policies for each individual traveler. Insurance companies may provide discounts for insuring multiple people, as this lowers administrative overhead per person. This is similar to how auto insurers offer rate reductions for consumers who insure multiple people under one policy. 

It's worth noting that group travel insurance costs depend on the insurer and your trip details. Comparing quotes can help you find the best rates on the coverages you need.

You can find our guide to the best cheap travel insurance here.

Simplified management

Group travel insurance might make sense if everyone in your group has the same itinerary and travels to the same destination. The main perk of group travel insurance versus separate policies for each person is that it streamlines the purchasing process. You can buy one policy instead of multiple.

But to make it work, your group needs to be organized. This is especially true if group members intend to split the cost of the policy. It's crucial to communicate well with the people in your group and ensure everyone is on the same page. 

Coverage Options

Common coverage features.

Most group travel insurance policies offer comprehensive coverage, which usually covers common travel issues like cancellations and medical emergencies. 

Here's what comprehensive group travel insurance covers :

• Trip cancellation insurance: If you need to cancel your trip, this coverage reimburses you for the cost of travel. Each policy includes a list of cancellation reasons that are covered.
• Travel insurance for baggage: This covers the cost of stolen or missing luggage.
• Emergency medical evacuation insurance : Covers the cost of transportation from one location to another due to an emergency medical situation.
• Travel medical insurance: If you need medical care due to illness or injury while traveling, this part of the policy covers the cost. 
• Trip interruption travel insurance: If you have to cut your trip short due to an unforeseen emergency, this helps pay for travel plan changes. 
• Trip delay travel insurance: If there are delays to your flight or another aspect of your trip, this covers extra costs associated with the delay. It might include reimbursement for meals or hotel expenses. 

Additional coverage options

You can customize your travel insurance policy with coverage options at an additional premium. These add-ons can be helpful to provide adequate coverage for your group's specific needs. Some examples include:

• Adventure and sports coverage: For planned activities that involved increased risk (e.g., hiking, scuba diving, skiing, etc.) 
• Special events coverage: For cancellations, interruptions, or other losses that occur during planned events (e.g., weddings, corporate events, excursions, etc.)
• Equipment coverage: For damage, loss, or theft of equipment or gear brought on the trip (e.g., sports equipment, tech, etc.)
• Pre-existing condition waiver : For those with pre-existing conditions to receive travel medical coverage while traveling

Choosing the right group travel insurance

Assessing group needs.

Assessing your group's needs can help you choose the right group travel insurance. Some factors to consider include but aren't limited to the duration and destination of your trip, the type of travelers and their needs (including their ages and any pre-existing conditions), planned activities, and the group's budget.

Comparing insurance providers

Depending on the details of your trip, group travel insurance might be cheaper than purchasing individual policies for each traveler. But that is not always the case. As you shop for group travel insurance, there are steps you can take to ensure you get the best deal.

Get multiple quotes

It's smart to compare quotes from several providers. Multiple quotes allow you to compare coverage options and pricing. You can use a travel insurance comparison site like SquareMouth or TravelInsurance.com. Or you can contact providers directly. Once you know the price range for protection, you can select the provider that seems like the best fit. 

The best time to buy travel insurance is right after you make your first trip deposit. Your policy kicks in right away, which is helpful if an event occurs that forces you to cancel your trip. Additionally, an early purchase can be necessary to qualify for certain riders, such as pre-existing condition coverage and CFAR travel insurance .

Application and enrollment process

You should be prepared to provide the following information about your group when fielding quotes from travel insurance companies. 

• Trip dates 
• Travelers' names and date of birth
• Destination 
• Initial trip deposit date 
• Cost of trip per traveler (prepaid and nonrefundable expenses)

Your insurance company may ask for additional information, such as pre-existing medical conditions and planned activities. 

Policy management and claims

The coverage you select applies to everyone in the group. Each group member can make individual claims, which is helpful if only one or two people need to make a claim. But if everyone is involved, the entire group can file claims. 

Special Considerations for Group Travel Insurance

Tailoring policies to group type.

It's important to tailor your insurance policy based on the type of group and the trip to ensure adequate protection. For example, if you're traveling with senior members, you want your policy's medical coverage to include pre-existing conditions. If your trip has physical or outdoor activities, adventure and sports coverage is additional protection worth considering. 

A travel insurance agent can help you identify which coverages are necessary for your group's trip and find a policy that works for your group's budget.

Handling diverse member needs

Handling the diverse needs of group members within a single policy requires careful attention to policy details, including coverage specifics and deductibles. Start by thoroughly reviewing the policy to understand the included coverages and associated deductibles. If certain coverages are unnecessary for your group, ask your insurer whether they can be removed to reduce costs. 

You may want to look for a policy with add-ons or customizable options. This allows you to tailor the coverage to meet the specific needs of different group members. Additionally, consider raising the deductible to lower the premium. However, ensure the deductible amount is affordable for all members in case a claim needs to be filed. This ensures your group has adequate protection while accommodating the diverse financial needs of the group.

Group travel insurance final recommendations and tips

Best practices for group leaders.

Before your trip, communicate insurance details like coverage inclusions, exclusions, deductibles, and how to file a claim with your group. It also helps to maintain policy documents in case an unexpected event arises. 

You and your group should also establish a contingency plan and save your insurance's emergency hotline contact number for medical emergencies, natural disasters, or other travel disruptions.

Resources for further information

For further information on group travel insurance, check out:

• Insurance companies' websites for information about coverage options, exclusions, and getting a quote. 
• Travel insurance comparison sites allow users to compare policies from multiple providers at once based on coverage, price, and other factors. Some examples of comparison websites include InsureMyTrip , Squaremouth, and VisitorsCoverage . 
• Travel agencies to help you book your trip and pick group travel insurance based on your itinerary. 
• Consumer review sites like Trustpilot and ConsumerAffairs to read first-hand testimonials by real users on their experience with a company. 

Group travel insurance FAQs

Group travel insurance typically requires a minimum of 10 travelers to qualify for group travel insurance, but this varies by provider.

Yes, many group travel insurance policies offer options for various activities specific to the group's needs and travel itinerary, such as adventure and sports, special events, and equipment coverage. 

Group travel insurance can be more cost-effective per person than individual policies, especially for larger groups. Compare quotes from various insurance providers to get the best deal on the coverages you need. 

If one member  of a group travel insurance plan has an issue, that member can file a claim with the travel insurance company individually. That's why it's important for every member to be familiar with the claims process in case an issue arises. 

A group leader should consider the group's specific needs, planned activities, destination-specific risks, and the group's budget when choosing a travel insurance policy. 

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International Student Travel Insurance

Protecting Futures

Building relationships.

We have years of travel insurance experience helping schools prepare for the unknown. Ask us about how to insure your students with reliable coverage.  We have helped thousands of schools find insurance to meet their students'  needs. Short-term and long-term insurance is available.  Assurance to go works hard to find the right product for your students.  

Assessing Need

The importance of ensuring all International Students have the right kind of travel insurance coverage should never be underestimated. Assurance To Go will analyze your insurance needs and assure your students are properly covered.

We value you as a customer and will make it a priority to help you with difficult insurance decisions. Call us today for a personalized quote on group/individual student coverage. 

Kevin Walsh

Dr. apryl walsh.

Kevin began his travel insurance career in April 2015 at AVI Insurance out of Paris. In August of 2019, Kevin left AVI and continued his travel insurance sales career as a Broker with Assurance To Go. 

Apryl began her travel insurance career in August 2019 at Assurance To Go, LLC. She has a Ph.D. in Organizational Leadership. She loves speaking to new customers and helping to make each experience a positive one. 

Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.

It is best to enroll them before they leave their home county. If this has not happened, then we can still enroll them afterward.  

You can enroll from 1 student to 1,000 students at one time. Our committed staff will help you get the students enrolled and ensure you have ID cards for each one. 

Assurance To Go offers International Student travel insurance for students traveling from any Country outside of the US with only a few exceptions. 

Most of our clients participate in US-based Educational Programs. 

Yes, our emergency assistance office is located in the US and offers multilingual support. This office is open 24 hours a day, 7 days a week, 365 days a year. 

The first step to receiving your free quote is to call or email Kevin at our business office at (407) 271-5214 or partners@assuranceto go.com to get started. We will walk you through the rest of the process.

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Important Information

Our policies include cover for Covid-19: See full details

There is no cover for cancellation caused by a change in FCDO/government advice, other than as a result of fire, earthquake, storm, flood, riot or civil unrest.

Our policies will not provide any cover if you travel to a destination where the FCDO is advising against all, or all but essential travel. Please check the latest advice before you travel. www.gov.uk/foreign-travel-advice

Updated: 3rd January 2023 Our insurance will cover you to travel provided the Foreign, Commonwealth and Development Office (FCDO) is not advising against all, or all but essential travel to your destination.

Cover for Covid-19 is included on all policies, here are the details:

If you contract Covid-19 abroad our policies provide the following cover:

• Emergency medical treatment and repatriation, when medically necessary, if you contract Covid-19 whilst abroad.
• Cover for additional accommodation & transport costs (limits apply) if you are unable to return home due to contracting Covid-19 and being told to self-isolate abroad.

If you contract Covid-19 before you travel, our policies provide cancellation in the following circumstances:

• if you, anyone insured on the policy, or a travel companion catch Covid-19 within 14 days of your trip starting.
• if you, anyone insured on the policy, or a household member have to self-isolate at home due to Covid-19.
• if you, anyone insured on the policy, or a family member are hospitalised or die due to Covid-19.

Our policies will not provide any cover if:

• You travel to a destination where the Foreign, Commonwealth and Development Office (FCDO) is advising against all, or all but essential travel.

Our policies do not provide cover for:

• Cancellation caused by a change to FCDO or government travel advice, other than as a result of fire, earthquake, storm, flood, riot or civil unrest.
• Cancellation if your travel provider cancels or postpones your trip.
• Denied entry to the country or territory you are travelling to.

Check the latest information:

Government COVID-19 travel advice Check the latest advice for travel and Covid-19 https://www.gov.uk/guidance/travel-abroad-from-england-during-coronavirus-covid-19 FCDO advice for your destination Find out whether the FCDO is advising against travel for your destination, as well as the rules and restrictions when you arrive, including entry requirements.  https://www.gov.uk/foreign-travel-advice

Travel Insurance: Quotation

Important notice.

If you have an existing policy and have a query or need to get in touch please contact us on 0330 094 5789 or email us at [email protected]

If you need to make a claim please use the contact details in your policy wording, or visit our claims page to find out more. Claims Information »

Step 1 - Trip Details

No. of Travellers:

(Please enter the number of children and adults in the following age ranges, excluding the group leader named above )

Do you require the following cover?

Step 2 - Quote

The standard excess is the amount you will generally have to pay towards the cost of a claim.

Your policy schedule will show the excess payable on each section of your policy.

This is the is the amount you will generally have to pay towards the cost of a claim under the medical and repatriation section of the policy.

Schedule of Benefits

Step 3 - Options

Please ensure that you have additional cover you require by adding the appropriate cover extensions below.

Sports and Activities (Hazardous Activities)

To ensure that you will be covered whilst taking part in any sports or activities you must add the appropriate cover extension below.

Policy Documents — Go Paperless

Help save the environment by cutting down on paper and benefit from:

• Documents securely stored online
• Access your documents at anytime from anywhere

If you choose to have your documents printed we will send them 2nd class which will take 7-10 days.

Step 4 - Medical Declaration

Step 5 - Name and Contact Details

We collect and process your personal data in order to provide you with a quotation and/or insurance cover. If you purchase a policy from us, we may also contact you in the future regarding the same or similar products. For more information please see our privacy policy .

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Declaration

Pay by BACs

Save your quote, download an invoice and pay by BACs. Your policy will become active and cover will be in place once payment has been received.

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When paying by credit card your cover will be in place immediately.

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Sports and Activities

The following sporting activities when participated in for recreational purposes incidental to a trip and not in organized competitions or in any professional capacity are not considered to be HAZARDOUS PURSUITS and are not subject to the special provisions of the endorsement below:

Roller Skating, Basket Ball, Bowls, Snorkelling, Cricket, Cycling, Squash, Tennis, Volley Ball, Fishing, Water Polo, Golf, Racket Ball, Rambling, Badminton, Rounders, Football. Cover for the following activities that are considered to be HAZARDOUS PURSUITS is included for recreational purposes only and not for competitions or any professional activity subject to the following endorsement:

The exclusion of HAZARDOUS PURSUITS in the General Exclusions is deleted only with respect to cover under Section 6 Medical and Repatriation Expenses and under Section 2 CURTAILMENT cover (but not CANCELLATION) for participation in the following HAZARDOUS PURSUITS on a non-professional (amateur) and recreational basis provided that YOU ensure the activity is adequately supervised and that appropriate safety equipment (such as protective head wear, life jackets etc.) are worn at all times and YOU do not participate in such HAZARDOUS PURSUITS for more than 90 days in any one PERIOD OF INSURANCE. The acceptable HAZARDOUS PURSUITS list is:

Your Insurance automatically covers you for the following activities:

• Angling (not open water)
• Animal Sanctuary (no big-game)
• Assault Courses (No high ropes)
• Athletics (track & Filed)
• Bamboo Rafting (only on inland waters or coastal waters within a 12 mile limit of land)
• Banana Boating
• Beach games
• Blade Skating
• Board Sailing (only on inland waters or coastal waters within a 12-mile limit from land)
• Body Boarding/Boogie Boarding (only on inland waters or coastal waters within a 12 mile limit from land)
• Canoeing, kayaking, river rafting (including white water rafting up to grade 3)
• Catamaran Sailing (inland waters only) European Waters only.
• Clay Pigeon Shooting
• Climbing Wall (Indoor up to 25 metres)
• Cross Country Running
• Cycling (but not Stunt or race BMX and mountain bikes)
• Dinghy Sailing (inland waters only) within a 12 mile limit from land
• Dragon Boat Racing
• Fell walking, rambling and trekking
• Fishing (not open water)/Sea Fishing
• Fruit or Vegetable Picking (under 3metres)
• Glass Bottom Boats
• Hobbie Catting (only on inland waters or coastal waters within a 12 mile limit from land) European Waters
• Hockey (not ice)
• Horse riding (no Polo, Hunting, Jumping)
• Ice-skating (rink only)
• Jet Boating
• Kite Boarding
• Kite Surfing
• Non-Manual Labour
• orienteering
• Paint Balling
• Parascending (towed by boat)
• Rafting, canoeing and kayaking (including white water up to grade 3)
• Pony Trekking
• Power Boating (non-competitive)
• Racquet Ball
• River Punting
• Roller skating/Blading
• Safari/Safari Trekking (not involving use of firearms)
• Scuba diving (to 18 metres)
• Segway (supervised)
• Skateboarding/Scooters
• Snooker, pool and billiards
• Snorkelling

Provided you have paid the appropriate premium you will be covered for all of the activities listed in Category A plus the following activities:

• Breathing Observation Bubble (BOB) up to 18 metres
• Bungee Jump No PA cover
• Camel/Elephant Riding
• Charity Rallies (No Racing)
• Cycle Touring
• Deep Sea Fishing
• Dog Sledging
• Farm Work (manual, excluding the use of powered machinery)
• Flying a private plane or small aircraft
• Flying as a passenger in a private or small aircraft
• Go Karting (Specific use) up to 250cc
• Gorilla Trekking
• Hiking (between 2,000 and 3,000 metres altitude)
• Hot Air Ballooning
• Hydro Zorbing
• Kayaking European waters only
• Manual Work (ground level only, no machinery)
• Motorcycling (over 50cc - no racing) as a rider or passenger when wearing a helmet, provided the rider
• holds an appropriate UK Motorcycle licence to ride the motorcycle
• mountain biking (casual, not endurance or racing)
• Passenger Sledge
• Quad Biking (no racing) under 125cc as a rider or passenger when wearing a helmet, provided the rider
• holds an appropriate UK licence
• Rap jumping (within organiser's guidelines)
• Scuba Diving (between 18 and 30 metres)
• Sea Canoeing/Kayaking – inland waters only European waters only
• Trekking (between 1,001 and 3,000 metres altitude)
• via ferrata
• White Water Canoeing/Rafting (Grade 4)
• Wind Tunnel Flying
• Work Abroad (manual, ground level only, no machinery)

Provided you have paid the appropriate premium you will be covered for all of the activities listed in Category A and B plus the following activities:

• American Football
• Animal Sanctuary
• Archaeological Digging
• Boxing (+AMC)
• Devil Karting
• Dirt Boarding
• Fell Running/Walking
• Gaelic Football
• Glacier Skiing
• Hiking (between 3,000 and 6,000 metre altitude)
• Horse Jumping
• Ice Fishing
• Kayaking – Sea (within Coastal Waters)
• Kendo (Training only)
• Kick Boxing (Training only)
• Manual Work (including the use of light hand held machinery) hand held
• Martial Arts (Training only)
• Motor Cycling over a 125CC. Must have a full Clean License and be over the age of 25 years as a rider or passenger when wearing as helmet.
• Octopush/Water Hockey
• Off Piste Skiing (with a professional guide on designated pistes within the resort)
• Outdoor Endurance Events
• Parachuting
• Paragliding
• Parascending (over land)
• Roller Hockey
• Shark Diving (Cage)
• Sail Boarding
• Sand Boarding
• Sand Dune Surfing/Skiing
• Sand Yachting
• Skiing (Cross Country)
• Snow Go Karting up to a 125cc
• Snow Parascending
• Snow Scooting
• Snow Tubing
• Snow Zorbing
• Snow Kiting
• Snowcat Driving
• Snowcat Skiing
• Tree Top Canopy Walking
• Trekking (between 3,000 and 6,000 metre altitude)
• White Water Canoeing (Grade 5 to 6)
• White Water Rafting (Grade 5 to 6)
• Yachting (racing / crewing) - outside Coastal waters but within European waters

Winter Sports

Extends your policy to provide cover for you when skiing or snowboarding and provides the following additional cover:

• Ski equipment up to £500 (single article limit of £250)
• Ski Hire up to £250
• Ski pack up to £400
• Piste closure £35 for each 24hrs up to £500 provided you are skiing north of the earth’s equator between 1st January and 30th April, or south of the earth’s equator between 1st June and 31st October and the ski resort is higher than 1600 metres above sea level.
• Avalanche closure £35 for each 24hrs up to £500

Benefits are per person, and an excess may apply. Please see the policy wording for full details.

UK Residents

United Kingdom is defined as the United Kingdom, the Isle of Man, BFPO and the Channel Islands.

You must have resided within the United Kingdom for no less than 6 months, and have not spent more than 6 months abroad in the year prior to purchasing the policy, have a permanent United Kingdom address and be registered with a United Kingdom General Practitioner.

Cover must be purchased and effective before you leave the United Kingdom.

This is the date your group will depart school to go on your trip.

The policy must cover you for the entire duration of the trip from when you leave school/home to when you return back to school/home.

All trips must include a pre-booked outbound and return journey to and from the UK for the insurance to be valid.

NB. If you are travelling overnight you must enter the date you actually arrive back.

Return Date

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Authorised and regulated by the financial conduct authority.

School Trip Cover is a trading name of Ancile Insurance Group Ltd.

Ancile Insurance Group Ltd, Registered Office: undefined, is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 471641.

You can check this on the Financial Services Register by visiting the FCA website or by contacting the FCA on 0800 111 6768.

Covered by the Financial Services Compensation scheme

The travel insurance policies we sell are covered by the Financial Services Compensation scheme, which means that if the underwriter was unable to meet its liabilities to you compensation may be available.

For more information about the Financial Services Compensation Scheme visit www.fscs.org.uk .

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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…

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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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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

School Travel

We believe that safety and enjoyment are equally important when booking a tour with The School Travel Company. Therefore, it is a condition of booking with us that you have obtained adequate and valid specialist school group travel insurance for the entire duration of your trip.

Our parent company, Acorn Travel Group Ltd., has decided to partner with Endsleigh Insurance, to create a bespoke school group travel insurance policy that covers a variety of unforeseen risks.

Cover includes cancellation and curtailment of the trip due to illness, injury or death; the cost of any repatriation back to the beneficiary’s home country following a medical emergency. Additionally cover for over 100 sports and activities are included as standard under this group policy and full details are available within the activity guide lists in the group policy documents.

The group policy has been arranged for the benefit of persons travelling on a trip (the beneficiary/beneficiaries) with Acorn Travel Group Ltd. (the group policyholder).

Key features and benefits:

• 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 are covered including winter sports

Key eligibility criteria and exclusions:

• Not available to anyone aged 85 or over
• No cover under cancellation or curtailment charges, emergency medical expenses or personal accident relating to any reason set out under ‘Important conditions relating to health’ – see group policy wording and endorsements that may be applicable to the policy
• No cover where the FCO or World Health Organisation has advised against travel
• No cover where travel is not departing from and returning to your home country
• Claims may be subject to an excess, depending on the cover section of the policy
• No cover in connection with a medical epidemic or pandemic, except claims under Section 2 – Emergency Medical and other expenses. See the Frequently Asked Questions.

The table below displays a summary of the maximum amounts which are payable under each cover section. Please note the group policy is subject to terms, conditions, limits and exclusions – please refer to the group policy wording and the statement of insurance for full details of the cover available.

A full copy of the insurance policy and statement of insurance document can be viewed in the below links. It is important you read the insurance policy prior to completing your booking so you are fully aware of the levels of cover provided and are confident that the policy will meet your needs.

Important Conditions Relating to Health

Any beneficiary of the Endsleigh travel insurance policy, who is under 18 years of age, who are UK residents and travelling to countries in Europe only, will be exempt from the Important Conditions Relating to Health detailed in the group policy and any pre-existing health conditions will be automatically covered.

If you are not eligible for the above, please find the Pre-Existing Medical Conditions Guide to establish the Important Conditions Related to Health.

General conditions and general exclusions apply to the whole of the group policy and all levels of cover.

Global Health Insurance Card (GHIC)

We highly recommend that all travellers obtain a UK Global Health Insurance Card (GHIC) if travelling to countries in Europe. The UK Global Health Insurance Card (GHIC) allows British nationals access to statutory healthcare in Europe at a reduced cost or sometimes for free.

It is important to note that the GHIC is not a replacement for travel insurance. The GHIC may not cover the cost of all medical treatment or repatriation, whereas the Endsleigh travel insurance policy will cover extended costs under Section 2 – Emergency medical and other expenses.

For more information about the UK Global Health Insurance Card (GHIC), you can visit the gov.uk website here: Apply for a UK Global Health Insurance Card

Alternative travel insurance providers

Should you decide to make your own travel insurance arrangements, please note adequate and valid travel insurance is a requirement for all those travelling with The School Travel Company. It is a condition of completing your booking with us that you agree to obtain adequate travel insurance (which includes bespoke features specific to the activities you will participate in whilst on your tour).

Insurance will be included as an option for your group automatically. Your quotation document will give you details on the price of the policy.

If you decide to take our policy, please note that as soon as your full first deposits have been paid and received for every member of the group, your policy will then become effective immediately.

Policy documents

• Policy Wording
• Statement of Insurance
• Insurance Product Information Document

Request a quote

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5 Things You Must Know Before Ever Buying Travel Insurance

Whether you are a frequent traveler or someone who only takes one long vacation a year, having travel insurance is always a good idea, especially if you plan to go abroad. Travel insurance can help you cover any unexpected expenses like medical care and lost or delayed baggage. 

However, before buying travel insurance there are five key things you should keep in mind to ensure the best coverage for your needs:

Always Understand Properly What You Are Getting 

Not all insurance policies are equal. The coverage usually includes trip cancellations, medical emergencies, and lost luggage. However, picking the cheapest insurance may come with certain exclusions and claim limits. For instance, some policies also cover natural disasters, while others don't.

Pre-Existing Medical Conditions Matter

Declaring pre-existing medical conditions is required for every insurance, including travel. Checking things like whether the policy covers any necessary doctor visit or hospital stay related to a previous condition is included in the policy or not, will help you immensely later.

Check The Claim Process To Avoid Any Hassle Later 

Before purchasing a policy, check how the claims are processed and the documentation you will require. While some insurers have a straightforward online process, others may need more legwork. To get a better understanding, checking reviews of past customers can be helpful.

Where You Plan To Go Will Affect Your Insurance Needs 

Whether you plan to go to one place or more, your destination will play a role in determining the travel insurance policy needed. For example, if you plan to go to a place with a history of political upheaval or terrorism, choosing a policy with evacuation coverage would be wise.

Don't Settle For The First Policy You Find

Doing research, comparing notes of customer reviews, cost and coverage, and shopping around for different plans, helps you tailor the best policy for your need. Create a checklist of what are your requirements, and then compare policies. Websites with aggregated insurance options can be a good starting point.

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