Best Travel Insurance for Groups

Group travel insurance covers five or more travelers under one policy at lower per-person costs than individual plans. Compare the best providers for large groups, families and business travel with rates starting under $1 per day.

Find the best group travel insurance for your next trip.

Updated: June 23, 2026

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Key Takeaways
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Group travel insurance costs 4% to 10% of total trip cost, with WorldTrips offering a 10% discount for groups of five or more travelers.

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Seven Corners covers large groups of 10 or more with $500,000 medical and $1,000,000 evacuation. Travelex covers children under 17 for free when traveling with an insured parent.

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Purchase within 14 to 21 days of your initial deposit to qualify for pre-existing condition waivers and cancel-for-any-reason benefits that reimburse 50% to 80% of trip costs.

What Is Group Travel Insurance?

Group travel insurance covers trip cancellation and emergency medical care under a single policy at lower per-person costs than individual plans. Evacuation, baggage and delay protection are standard across all group policies reviewed.

All travelers must share the same destinations and travel dates. Confirm with your provider whether different arrival or departure flights for individual members are permitted.

Group policies work well for:

  • Corporate travel, conferences and team-building retreats
  • Family reunions and multigenerational trips
  • Destination weddings and wedding party travel
  • Student groups, school trips and study abroad programs
  • Mission trips and volunteer organizations
  • Organized tours with fixed itineraries

Best Companies for Group Travel Insurance

We evaluated travel insurance plans based on group-specific needs: volume discounts, minimum group sizes and claims administration. Seven Corners ranks first with a 91/100 MoneyGeek score for large-group coverage. WorldTrips ranks second with a 10% group discount, the largest in the industry for groups of five or more.

1
Seven Corners
91/100
Large organized groups
10+ travelers
$400/policy
2
WorldTrips
89/100
Budget-conscious groups
5+ travelers
<$1/person/day
3
Travelex
88/100
Mixed-age family groups
No minimum
4% to 10% of trip cost
4
Allianz Travel
87/100
Business travel
No minimum
Varies by trip value
Seven Corners

Seven Corners

Best for Large Groups (10+)

MoneyGeek Score: 91/100

Seven Corners specializes in group travel insurance for parties of 10 or more with the highest medical limits among group-focused insurers: $500,000 medical and $1,000,000 evacuation. The Trip Protection Choice plan provides single point-of-contact claims administration and group-wide policy management. Both matter when multiple travelers need to file claims simultaneously.

Key Coverage:

  • Trip Protection Choice: $400 average per policy
  • Medical: $500,000
  • Evacuation: $1,000,000
  • COVID-19 cancellation and interruption included
  • 24/7 multilingual customer service
  • Group-specific claims administration
World Trips

World Trips

Best Group Discount

MoneyGeek Score: 89/100

WorldTrips' Atlas Group plan offers a 10% discount for groups of five or more, the largest group discount available. Medical maximums are customizable by age. WorldTrips Atlas Group suits mission travel organizations and multigenerational groups. The plan's age-customizable limits extend from $50,000 to $2,000,000, the widest range for mixed-age groups in our review.

Key Coverage:

  • Atlas Group: Starting <$1/person/day (as low as $0.50/day international)
  • Medical: $50,000 to $2,000,000 (customizable by age)
  • Evacuation: Up to $25,000 lifetime maximum
  • 10% discount for 5+ travelers
  • COVID-19 medical expenses covered
Travelex

Travelex

Best for Mixed-Age Groups

MoneyGeek Score: 88/100

Travelex includes free coverage for children under 17 traveling with insured parents. Its three-tier plan structure (Advantage, Travel Select and Ultimate) lets groups choose coverage at different price points without paying age penalties.

Key Coverage:

  • Advantage plan: 4% to 10% of trip cost
  • Trip cancellation/interruption: 100% of trip cost
  • Children under 17: Free with insured parent
  • Cancel for any reason: 75% reimbursement (Ultimate plan)
  • Optional upgrades: Adventure activities, rental property damage
Allianz

Allianz

Best for Business Travel

MoneyGeek Score: 87/100

Allianz Travel's AllTrips Executive plan covers business-specific risks that standard group policies exclude: business equipment, higher interruption limits and rental car protection. Business travel interruptions can mean replacing staff and rescheduling client commitments at short notice. Standard group policies exclude these scenarios. AllTrips Executive covers them.

Key Coverage:

  • AllTrips Executive: Annual coverage for business travelers
  • Business equipment rental benefits included
  • Children under 17: Free on OneTrip plans
  • Cancel Anytime: Up to 80% reimbursement
  • TravelSmart app: Real-time assistance and claims management

How Much Does Group Travel Insurance Cost?

Group travel insurance costs 4% to 10% of total trip cost. For a 10-person trip at $5,000 per person ($50,000 total), coverage runs $2,000 to $5,000.

Several factors affect the final price:

  • Number of travelers: Larger groups get lower per-person rates
  • Trip cost: A $10,000-per-person tour costs more to insure than a $3,000 trip
  • Destination: Travel within the U.S. increases medical coverage costs
  • Coverage level: Medical-only plans start at $1 per person per day; comprehensive costs more
  • Age: Group policies use flat-rate pricing, unlike individual plans that charge more for older travelers

WorldTrips offers 10% off for groups of five or more, with rates as low as $0.50 per day for international travel or $0.96 per day when U.S. destinations are included.

What Does Group Travel Insurance Cover?

Group travel insurance covers the same core protections as individual plans but applies them across all policy members under shared limits: trip cancellation, emergency medical, evacuation and baggage.

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    Trip Cancellation and Interruption

    Reimburses non-refundable trip costs for covered reasons: illness, injury, death, severe weather, jury duty. Cancellation covers pre-departure expenses while interruption handles unused costs plus transportation home. All four providers on this page cover interruption at 100% to 150% of insured trip cost.

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    Emergency Medical and Evacuation

    Medical coverage pays for treatment when group members become ill or injured abroad. Budget plans offer $50,000 while higher-tier policies provide $100,000 to $500,000 or more. Evacuation transports seriously ill travelers to appropriate facilities with limits of $250,000 to $1,000,000.

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    Travel Delays and Missed Connections

    Delay coverage reimburses meals, accommodation and transportation when flights are delayed, usually 3 to 12 hours with daily limits of $100 to $200. Missed connection coverage reimburses unused portions or costs to catch up with your group.

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    Baggage Loss and Delay

    Loss and theft coverage provides $500 to $2,500 per person for replacing belongings. Delay coverage offers $100 to $500 for basic items if bags arrive late. Check per-item limits for expensive equipment, electronics or jewelry.

What's Not Covered

  • Pre-existing conditions: Excluded unless you buy within 14 to 21 days of your initial deposit and meet the plan's eligibility requirements
  • High-risk activities: Extreme sports aren't covered under standard plans; adventure coverage is available as an add-on
  • Dangerous destinations: Coverage may be limited or unavailable for destinations with active government travel warnings
  • Non-covered cancellations: Standard policies cover only named events. Cancel for any reason (CFAR) upgrades reimburse 50% to 80% of trip costs.
  • Intoxication or illegal activities: Claims are excluded
  • Known events: You can't buy coverage for events already affecting your trip at the time of purchase

Small Business Travel Insurance

Small businesses sending employees on group trips may need corporate policies beyond standard group coverage. Business travel insurance adds equipment protection, replacement employee costs and business-reason cancellation. These are protections personal policies don't include. Check whether your business credit cards already provide travel coverage before buying a separate policy.

How to Choose Group Travel Insurance

  1. 1

    Verify All Group Members Share the Same Itinerary

    Confirm everyone travels to the same destinations on the same dates, though some insurers allow flexibility for different arrival flights.

  2. 2

    Purchase Within 14 to 21 Days of Initial Deposit

    Buy coverage within this window to qualify for pre-existing condition waivers and cancel-for-any-reason benefits. Missing this deadline excludes these protections even on higher-tier plans.

  3. 3

    Compare Group Rates Against Individual or Family Policies

    Calculate total premiums for group, family and individual options, especially for mixed-age groups where individual policies might cost less. Families often pay less on dedicated family plans than on standard group policies.

  4. 4

    Match Medical Coverage to Your Destination's Healthcare Costs

    International groups need at least $50,000 medical coverage with $250,000 or more in evacuation. U.S. travel requires higher limits. A single emergency room visit can exceed $10,000 before any procedures.

  5. 5

    Check Policy Structure and Assistance Quality

    Confirm per-person limits rather than aggregate caps. Also verify 24/7 multilingual support and worldwide provider networks before purchasing.

  6. 6

    Designate a Group Administrator

    Assign one person to manage the policy, coordinate documentation and handle claims communication. This prevents confusion if multiple travelers need to file claims.

For large organized groups of 10 or more, Seven Corners at $400 per policy is the default starting point. Mixed-age groups with children should choose Travelex. Children under 17 travel free with an insured parent. Budget groups of five or more get the strongest per-person value from WorldTrips at under $1 per person per day. Business travel groups need Allianz AllTrips Executive for equipment and business interruption coverage that standard group policies exclude.

Group Travel Insurance: FAQ

How We Chose the Best Travel Insurance for Groups

We analyzed group travel insurance by reviewing:

Data sources:

  • Pricing data from Seven Corners, WorldTrips, Travelex and Allianz Travel
  • Industry aggregators including Squaremouth and TravelInsurance.com
  • Plan documents, coverage limits and pricing structures from December 2024-January 2026

Evaluation criteria:

  • Coverage breadth and medical/evacuation limits
  • Group-specific features (volume discounts, minimum group sizes, claims administration)
  • Financial strength of underwriters (A.M. Best ratings)
  • Customer service quality and 24/7 assistance availability

Actual premiums vary based on trip details, traveler ages, destinations and coverage selections.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.

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