• Medical expenses
• Hospitalization
• Assistance
• Medical transportation
• Civil liability
• Individual accident
• Legal assistance
• Baggage insurance
• Trip cancelation

- Some travel policies will also provide cover for additional costs, although these vary widely between providers
- Pre-existing conditions (e.g. asthma, diabetes)
- Sports with an element of risk (e.g. skiing, mountain climbing, scuba diving)
- Travel to high risk countries (e.g. due to war, natural disasters or acts of terrorism)
- Additional AD&D coverage
- Rental Car Coverage
- Cancel for Any Reason Coverage
- 3rd party supplier insolvency (e.g. the hotel or airline to which you made non-refundable pre-payments has gone into administration)
- Acute onset of pre-existing conditions
- Specific event coverage, (e.g., to cover travel cancellation costs if the reason the person is travelling, such as a concert, is cancelled. )

Tour Operator Cancellation: When it comes to trip cancellation, tour operators cancelling is not covered under travel insurance policies. In this case, it is the tour operator and not you who cancels the trip.

Acts of war/local protests: Although terrorism is covered by most travel insurance policies, acts of war or civil unrest are common policy exclusions. So even if ongoing protests or sporadic outbreaks in international locations might force you to change your plans, most travel insurance policies won't help. Pre-existing medical conditions: This is a common exclusion in many travel insurance policies. It refers to any medical condition that has required attention prior to travel or initiation of the travel insurance policy.

Baggage delayed for less than 24 hours: Most travel insurance policies will not reimburse necessary expenditures for baggage delayed less than 24 hours.

Death or illness of a pet: Many of us have beloved animals in our homes, and you'd certainly not want to go on that family trip if your pet was terribly sick. Even service animals, such as seeing-eye dogs, aren't covered, although that may change as the industry wakes up to the need for such coverage.

Loss or damage to keys, money, documents, tickets, or credit cards: These items are commonly listed under the exclusions to Baggage and Personal Items Coverage in your travel insurance policy. Be sure to keep these and other valuables with you at all times.

Sports injuries: Many travel insurance policies don't cover injuries from certain adventure sports like bungee jumping, paragliding, mountain climbing, or white water rafting.

Pregnancy and childbirth: Travel insurance policies specify the conditions under which pregnancy complications or childbirth is covered. Some travel insurance policies insure in the first trimester of pregnancy.

Psychological illness or self-inflicted injuries: Coverage for emotional and mental illnesses or emergencies is often excluded. If you suffer a nervous breakdown, your travel insurance won't let you cancel your trip without penalty.

The coverage is usually provided for a period of one year.

The minimum and maximum sum insured may vary widely between providers.

Group travel insurance is designed to provide coverage and protection for a group of people traveling together. Whether it's a family vacation, corporate trip, school excursion, or any other group travel scenario, here are some special notes to consider when dealing with group travel insurance:

1. Coverage Flexibility: Group travel insurance policies can often be customized to suit the specific needs and preferences of the group. Work with the insurance provider to tailor the coverage to the group's travel plans.

2. Group Size: Insurance providers may have minimum and maximum group size requirements for group policies. Make sure your group meets these criteria.

3. Coverage Homogeneity: Group members usually have similar coverage terms and conditions, although variations might be possible. Consider the needs of the entire group when selecting coverage options.

4. Inclusion of Dependents: Group policies might offer coverage for family members or dependents of group members. Confirm whether this is possible and what the requirements are.

5. Understanding the Policy: Communicate the policy details to all group members so that they are aware of what is covered and how to use the insurance during the trip.

6. Trip Cancellation: Understand the group's cancellation policy and any fees associated with canceling or changing the trip. Trip cancellation coverage can be beneficial in case of unforeseen cancellations.

7. Claim Process: Familiarize all group members with the claims process and emergency contact information provided by the insurance provider. This ensures everyone knows what to do in case of an incident.

8. Trip Duration: Ensure the policy covers the entire duration of the trip, including any pre-trip or post-trip activities. Extended stays or additional travel days may require policy adjustments.

9. Pre-existing Conditions: Group policies might have restrictions on pre- existing medical conditions. Check whether these are covered and consider additional coverage if needed.

10. Age Limits: Some policies may have age limits for group members. Confirm whether there are any restrictions based on age.

11. Country-Specific Requirements: If traveling internationally, ensure the group insurance meets the entry requirements of the destination country, especially if mandatory insurance is required.

12. Emergency Assistance: Understand the assistance services provided by the insurance provider, such as medical evacuation, emergency repatriation, and 24/7 helpline availability.

13. Group Leaders: Designate a group leader who is responsible for coordinating with the insurance provider and assisting group members in case of emergencies or claims.

14. Documentation: Keep copies of the insurance policy, emergency contact information, and any relevant travel documents accessible to all group members.

15. Clear Communication: Maintain open communication within the group about the insurance coverage, procedures for using it, and emergency contact information.

16. Pre-Trip Briefing: Conduct a pre-trip briefing to educate group members about the insurance coverage, emphasizing its benefits and how to utilize it effectively.

Group travel insurance simplifies the process of ensuring the safety and well- being of everyone in the group. By understanding the policy terms, involving all group members in the process, and planning ahead, you can ensure a seamless and secure group travel experience.

Group Travel Insurance provides coverage for a group of people traveling together on the same itinerary. This could be for business groups, student groups, or any organized group trip. The insurance provides protection against travel-related uncertainties such as cancellations, medical emergencies, baggage loss, and more.

The Claim Process of Group Travel Insurance:

• Incident Occurrence: In the event of an incident (e.g., baggage loss, medical emergency, trip cancellation, etc.) during the trip.
• Immediate Reporting: Depending on the nature of the claim -
• For lost baggage, report to the airline and obtain a Property Irregularity Report.
• For medical emergencies, contact the insurance provider's emergency assistance line as soon as possible.
• Document Collection: Gather all necessary documents related to the incident (e.g., medical reports, receipts, ticket copies).
• Claim Notification: Notify the insurance provider about the claim. Most insurers have a stipulated time within which you must inform them of a claim.
• Submission of Documents: Submit all relevant documents as required by the insurance company.
• Claim Assessment: The insurer will assess the claim based on the provided documents and policy terms.
• Claim Approval/Denial: After assessment, the insurer will either approve or deny the claim. If approved, they will inform you of the compensation amount.
• Compensation: The insurer will process the payment, either reimbursing the insured party or directly paying providers, depending on the situation and policy terms.

Claims Checklist for Group Travel Insurance:

• Claim Form: A duly filled claim form, which is usually provided by the insurer.
• Travel Documents: Copies of tickets, boarding passes, and other relevant travel documents.
• Medical Documents: In case of a medical claim –
• Medical reports
• Prescription
• Bills and receipts of medical expenses
• Property Irregularity Report (PIR): In case of baggage delay or loss by an airline.
• Proof of Loss: For lost or stolen items – a police report (usually required if the item's value exceeds a certain amount or if cash is stolen).
• Original Receipts: Receipts for unexpected expenses, like if you had to buy essential items due to baggage delay.
• Trip Cancellation Evidence: If the trip was canceled due to a covered reason – documentation proving the reason for cancellation (e.g., medical certificate, death certificate).
• Proof of Delay: Documentation from the airline or transport provider confirming the duration and reason for delay.
• Other Relevant Documents: Any other documentation required by the insurer or pertinent to the claim (e.g., communication with travel providers, photographs).

It's crucial for members of the group to be aware of the policy's terms and conditions. In the event of a claimable incident, timely reporting and documentation are vital. Always consult the policy document and the insurance provider for specific instructions and requirements.