Travelling overseas is exciting. You get to explore new destinations, try exotic cuisines, experience diverse cultures and meet people from different walks of life. At the same time, stepping out from what’s familiar and exploring unknown places can be a little intimidating, especially for new travellers. The anxiety of new experiences is much lower when you’re travelling in a group. Another major advantage is that you can save costs on flight tickets, accommodation, transportation and, yes, even when you buy group overseas travel insurance.
Group international travel insurance is designed specifically for groups of travellers embarking on the same journey that involves travelling outside the geographical boundaries of India. Whether it’s a business tour, an educational trip or a family vacation overseas, a group travel insurance policy can provide comprehensive coverage for a variety of contingencies.
What Does Group Overseas Travel Insurance Cover?
A basic group international travel insurance policy covers medical emergencies and travel-related contingencies.
Medical Emergencies: If any member of your group falls sick or gets injured in a foreign country, this covers for the associated medical expenses incurred. It covers hospitalisation and out-patient medical expenses in case of sickness or injury. There are group overseas travel insurance plans that cover dental expenses, ambulance charges, emergency medical evacuation to the nearest hospital, diagnostic tests, and cost of medicines purchased. Some policies also cover the repatriation of mortal remains of an insured individual and funeral charges.
Travel Inconvenience Cover: This includes compensation for flight delays, missed flights, delayed, lost or damaged baggage, loss of passport, and other travel-related inconveniences.
Benefits of Buying Group Overseas Travel Insurance
Group overseas travel insurance can save money by having one policy cover the entire group instead of every traveller buying a separate policy.
Such policies can reduce both gaps or overlaps in coverage that can result from each traveller taking different policies from different insurers.
Many insurers allow customisable protection. This means you can completely customise the cover according to the specific needs of the group, duration of the trip, destination(s) the group would be travelling to, and activities involved.
Taking a group overseas travel insurance policy can simplify the claims process, as there is only one point of contact and a single set of documents for the entire group
Things to Know Before Buying Group Overseas Travel Insurance
There are three important considerations when taking group overseas travel insurance.
Such policies offer several add-ons to extend the contingencies covered, like permanent disability and home burglary. It’s important to remember that the premium will be higher as you increase the number of contingencies.
All policies have a list of exclusions. For instance, most do not cover preexisting medical conditions. Going through the exclusions is equally important as knowing what the policy covers.
Some group international travel insurance policies that offer cashless facilities. You need to check the terms and conditions for this.
Comparing and choosing the right group overseas travel insurance policy can give all travellers peace of mind and allow them to experience the joy of international travel to the fullest.
