By Sylvia Calnan
Group travel insurance is essential for any group who are travelling internationally and domestically. A growing number of travelling is being completed in the group format, whether for a specific interest group, corporate event, school or sporting tour. These adventures represent a lot of coordination and investment, both in time and money, to organise and complete. The trip envisaged is meant to represent the experience of a lifetime. But what happen if someone is ill, has his or her luggage or passport stolen, or is involved in an accident while on trip? This is where group travel insurance comes to the rescue, providing immediate assistance and advice in your time of need, as well as covering the costs incurred with the incident or accident.
There are many reasons and key benefits of group travel insurance, including being covered for unexpected illnesses or injuries that may occur while the group is travelling. Dependent on the country being visited, the level of public care may be questionable and private care is the only real option. Without adequate cover for the group, those who have suffered the incident may not get the correct medical care required. Furthermore, in some countries, even the public health care system is based on user pay, with those without adequate group travel insurance or the money to pay for the care itself, not being eligible for any medical procedure.
Travel interruptions are a necessary evil of modern day travel, where tight deadlines, along with international weather and possible political situations, may adjust the original timetable of the holiday. As group travel is usually for a specific purpose, the timelines are strict for departure, arrival and the itinerary when in the host destination. However, group travel insurance has the ability to provide for travel interruptions, whether this is occurs during the set itinerary or an emergency at home requires all or part of the group to return home.
When younger groups are travelling, many will want to participate in a range of adventure activities. While exhilarating, sky diving, bungy jumping and hiking can be inherently risky. Most group travel insurance policies will have the ability to add these activity types to the total cover of the group travel insurance.
With all the monetary and time investment required to organise and implement a travel experience for your group, don't risk the outcome of the experience by not being adequately covered.
PIC Medical, Health & Life Insurance Brokers (PIC Medical & Health) is a highly successful boutique style broking house, based in New Zealand, specialising in the complex area of in-bound and out-bound Medical Insurance and Employee benefits for both domestic and international clients.
Get in contact with a reputable insurance specialist who can talk you through the various group travel insurance options available.
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