Buy Group Travel Insurance Online And Get Your Policy Instantly
Travelling is a bliss that is enjoyed even more when you share the experience with your family and friends. At the same time, due to the possibility of facing unexpected difficulties at locations away from your home, insuring your trips is one of the most important things to do when you are setting up your travel plans. However, if you are travelling with a large group of travel companions, buying individual travel insurance plans can be a hectic thing, not to mention expensive.
This is where group travel insurance plans come into the picture. Designed to insure all your travelling companions under a single policy, these plans are convenient to solve your travel insurance requirements swiftly. In that light, let’s have a look at some of the significant aspects of group travel insurance.
A group travel insurance plan is a type of travel insurance plan designed to cover a group of travellers under a single policy. With a group travel insurance, you can find similar benefits as any generic travel insurance plan. If you are travelling with group of people with the same travel itinerary, you can take a group travel insurance plan instead of taking multiple individual ones.
The only condition here is that all your travelling companions must clear the eligibility criteria and have the same travel dates too. There is a minimum number of travellers required to get a group travel insurance plan. However, the great feature here is that you can obtain a group travel insurance plan for both personal reasons and group business travel insurance plans
These group travel insurance plans are designed to cover your international trips outside the UAE. The benefits included in these plans can be medical benefits, trip-related benefits, and luggage and flight-related benefits.
As the name suggests, a domestic group travel insurance plan is made to cover all domestic travels within the UAE. Notably, some plans may cover a few other gulf regions as well. The benefits included are pretty much the same as the international group travel insurance plan.
A personal group travel insurance plan is made to cover your private trips with friends and family. The coverage is similar to that of the other two types of group travel insurance explained. You can avail of a personal group travel insurance plan for both international and domestic travel.
Group business travel insurance plans are designed to cover the trips taken for work or business purposes. A group business travel insurance plan is given especially for business-related trips only, and you and your colleagues on the trip can get this insurance cover from your company. Group business travel insurance plans, much like generic business travel insurance plans, offer cover regarding expenses tied to medical situations, luggage, flight, etc.
Here is a comprehensive list of cheapest travel fligh insurance plans in Dubai, UAE :
|Plan Name||Medical Cover||Max Duration||Price|
|AIG Insurance Annual Silver||$ 50,000||90 days/trip|
|Al Hilal Travel Gold Annual||$ 100,000||92 days/trip|
|Union Insurance Annual 1||$ 1,000,000||31 days/trip|
|Watania Travel Annual Program 1||$ 500,000||30 days/trip|
|AIG Insurance Annual Platinum||$ 500,000||90 days/trip|
|See More Plans >>|
Emergency Medical Cover: All types of emergency medical treatment required during your travels are covered by group travel insurance plans. Unless it is a pre-existing disease or a critical condition, the emergency treatment for your injuries and illnesses will be covered by your travel insurance plan.
Trip Cancellation Cover: If you have to cancel your trip due to an unforeseen emergency, your group travel insurance plan would cover all the expenses that went into the pre-booked activities and things. This includes flight tickets, accommodation bookings, and other pre-booked activities.
Trip Curtailment Cover: If you have to cut short your trip and come back to the UAE in the middle, your group travel insurance plan will not only cover the expenses of pre-booked things that cannot be utilised but also cover the emergency flight expenses.
Cover for Luggage and Travel Documents: Your luggage is your mini-home when you are travelling to a foreign country. Additionally, your travel documents are the most important thing you will require to go back home. Losing either of these two things could make for an immensely unpleasant situation. Your group travel insurance plan would offer compensation to get essentials if you lose your luggage. Moreover, reimbursement is also given for the expenses made to get a replacement passport if you lose your original one.
Cover Against Hijack and Other Disasters: Apart from natural disasters like a thunderstorm, man-made disasters can also strike mid-travel, with hijack being one of the major instances. Your group travel insurance plan covers you against all such man-made and natural disasters. Depending on the disaster at hand, you can get the pre-allotted compensation.
Hassel-Free Claim Process: Submitting claims against your group travel insurance plans is swift and incredibly easy. All that you have to do is gather the necessary documents, submit a properly filed claim form and documents, and wait for the approval. The settlement money will be sent to your registered bank account.
Instant Coverage: Most group travel insurance plans provide instant coverage for benefits like trip cancellation and postponement. Moreover, the rest of the benefits are available from the moment your trip begins. This provides you the assurance that you can rely on your travel insurance plan in UAE to protect you from all possible emergencies and problems.
Insures Large Groups of People: With a group travel insurance plan, you can easily insure a large group of people under one policy. Most group travel insurance plans take at least 10 people as insured members.
As these travel insurance plans cover the whole group under a single policy, the coverage becomes significantly more affordable compared to individual plans. This advantage is present whether it’s a group health insurance plan or a family health insurance plan. Bulk coverage turns your plan into a cheap group travel insurance plan, allowing you to enjoy almost all the benefits offered by an individual plan at a lesser price.
Most group travel insurance plans cover a minimum of 10 travellers at once. So if you are travelling with a large group, you can easily get one group travel insurance plan to cover everyone. Group travel insurance is, thus, essential in your shopping list if you are indeed planning with a large group.
If you and your fellow travellers only require a basic level of coverage for your journey, group travel insurance plans can be your go-to thing. The coverage offered by these plans may appear basic but is comprehensive enough to satisfy all your travel needs.
A group travel insurance plan comes in handy when you find yourself in a medical emergency. Dealing with medical emergencies is difficult even when you are at home. It becomes even harder when you are away from home in a foreign country or even the same nation where you are not as familiar with the surroundings and due procedure to follow in a medical emergency. Additionally, getting medical treatment is often expensive. This is why you need a group travel insurance plan to ensure that besides getting a hospital that can offer due treatment, you can also have your expenses covered.
Travelling is highly affected by uncertainties, as even the smallest unforeseen situation can change or cancel your travel plans. Such changes can result in considerable losses even if you plan a solo or pair travel. However, when cancellation or change of plans occurs with a large group, this results in massive financial losses for you and your travel companions as well. With a proper group travel insurance plan in place, you can get compensated for all your pre-booked activities without worrying about any losses.
In addition to helping you with medical emergencies, your group travel insurance plan also helps in handling non-medical emergencies during your travels. This can include stolen or lost luggage items, shortage of money, emergency curtailment of trips, etc.
Given the certain level of conditions and restrictions applying to this type of travel insurance plan, only a certain type of travellers can fully appreciate and enjoy the benefits that they offer. Group travel insurance plans are only suitable for people who plan to travel in groups of at least 10 people and have the exact same travel itinerary.
Besides that, people who are yet again travelling as a group of at least 10 people need only basic travel insurance coverage. So if you don’t expect any specific issues on your trip, you can take such plans as most group travel insurance plans only provide a basic level of coverage. Additionally, if you want to add a little more convenience to your travel planning, you can again choose to get a group travel insurance plan instead of getting individual plans.
The basic general inclusions of a group travel insurance plan can be divided into 3 basic parts – trip-related coverages, medical coverage, and baggage-related coverage. Given below is a brief of all the benefits included in these three categories:
Claim Submission Process
Documents Required for Baggage and Document Loss Claim
Claim Submission Process
Documents Required for Trip Cancellation Claims
Claim Submission Process
Documents Required for Flight Delay Claims
Claim Submission Process
Claim Submission Process
Evaluate Your Requirements:
Figuring out what you require as a traveller is crucial before you start the purchasing process for your group travel insurance plan. Talk to all the group members and figure out the kind of coverage they require, as it will allow you to make a common list accommodating everyone’s requirements. Once this step is completed, now is the time to search for a suitable group travel insurance plan that fits all these requirements on your list.
Compare the Coverages:
Once you are set to find a good group travel insurance plan, be prepared to draw a series of comparisons. Comparing your top options for travel insurance plans is the best way to find the best available plans for you. Besides circling down a plan with ideal benefits, you will also be able to determine whether it is cost-effective.
Read Customer Reviews:
Always take some time out to cover the reviews of existing or previous customers of a provider. Search for reviews specific to the plan that you want to buy and see if it is really worth investing in. Buying your group travel insurance solely based on the recommendation of the provider may not prove as beneficial as expected. Consequently, reading customer reviews must be on the top of your list when planning to buy a group travel insurance plan.
Consider the Flexibility:
Always consider the flexibility of the plan that you plan to buy. Verify if the provider allows you to extend the number of vacation days on your plan. You should also check whether the coverage can be postponed if your travel dates shift further. As you will be insured as a group where you have to take everyone’s needs and requirements under consideration, buying flexible travel insurance is one of the most essential things.
The easiest way to compare your group travel insurance plans is to make policybazaar.ae your one-stop destination for all travel insurance-related needs. Follow the given steps to compare your travel insurance plans and buy them instantly:
With several people in your group involved, there is a possibility of massive financial losses in case of cancellation of plans or any emergencies. To avoid that, you should be aware of the minutest details of group travel insurance plans. Addressed below are some key aspects and doubts regarding group travel insurance in the UAE.
Yes, travellers going on international trips in groups for work-related purposes can easily purchase a group travel insurance plan.
Most insurance providers only offer group travel insurance plans up to the age of 60-65 years. And while the actual maximum age limit may differ for each provider, it will generally fall along with the above-mentioned range itself.
Yes, you can cancel your group travel insurance plan any time you like. However, refunds can be generated only if you cancel your plan before the initiation of your trip.
No, you can only buy your travel insurance plan before you set out on your trip. Buying a group travel insurance or any other kind of travel insurance is not possible after beginning your journey.
No, you don’t need a separate individual travel insurance plan if you have a group travel insurance plan in place already.
No, all insured travellers under one group insurance plan must have the same travel dates, including both the beginning and the trip end dates.
You can easily purchase your group travel insurance plan online as well as offline.
No, group travel insurance plans do not cover pre-existing diseases.
No, trip cancellation for any reason is not covered by group travel insurance plans as a basic benefit. However, you can take this benefit as an add-on cover or look for a highly comprehensive plan that covers it as a basic benefit.
Yes, most travel insurance providers apply a limit on the maximum number of days covered in a single-trip group travel insurance plan. Most limits range between 30 to 180 days as per the comprehensiveness of the plan.
Yes, you can easily purchase additional vacation days if your group has decided to extend the vacation. Simply contact your provider to get additional vacation days.
It is not possible to get a refund on the remaining vacation days of a single-trip group travel insurance plan. If your plan is multi-trip travel insurance, your vacation days will remain active till the end of the tenure.