• Group travel insurance may cover multiple travelers under a single policy, simplifying coordination and providing consistent benefits for the entire group.

• Coverage may include trip cancellation, medical emergencies, travel delays, and lost baggage, helping manage unexpected travel disruptions.

• Non-insurance travel assistance services, like 24/7 support and emergency coordination, are included and accessible via AXA’s My Trip Companion app.

Managing a group trip, whether for a student tour, corporate retreat, or extended family getaway, comes with high expectations and even higher coordination. A group travel insurance plan brings structure to the unexpected by covering multiple travelers under a single policy. When your group faces a covered delay, illness, or lost luggage, having the right coverage in place can help ease the disruption.

With the right coverage for your trip, your entire group can travel with confidence, knowing reliable support is available throughout the journey.

Why Consider Travel Insurance for Group Travel

Group travel insurance can offer practical support when planning trips for families, students, corporate teams, or friends traveling together. A group travel insurance plan may cover multiple travelers under a single policy, making it easier to manage documents, streamline claims, and coordinate coverage across the group. It can also be more cost-efficient than purchasing individual plans separately.

For example, if a group of students on an educational trip experiences a covered delay, group travel insurance coverage can help with eligible expenses for accommodations and rebooking. With options to customize coverage and include non-insurance assistance services, group trip insurance may offer flexibility and convenience for a wide range of travel scenarios.

What AXA Travel Protection Plans May Include

AXA Travel Protection offers flexible plan tiers, AXA Bronze Plan, AXA Silver Plan, AXA Gold Plan, and AXA Platinum Plan, designed to support a variety of group travel needs. Whether you're coordinating a school trip, a corporate retreat, or a family vacation, these plans combine group travel insurance coverage with travel assistance services to help provide stability, support, and ease for your entire group.

Travel Insurance Coverage May Include

Group travel insurance coverage may help protect against unexpected expenses that could arise during your trip. These benefits apply to each traveler under the group policy, based on plan selection.

Emergency Medical Coverage: Group travel insurance may help cover the cost of emergency medical treatment or accidental dental care needed during your trip. Whether a traveler requires hospitalization, outpatient care, or treatment for an unexpected illness or injury, this benefit is designed to support eligible emergency medical expenses for each person included in the group insurance plan.

Medical Evacuation and Repatriation: In case of a serious medical emergency, the plan may include transportation to the nearest appropriate medical facility or back home when medically necessary. The emergency medical evacuation is particularly useful for group travelers visiting remote destinations where advanced care may not be immediately accessible.

Trip Cancellation and Interruption: If your group needs to cancel or cut a trip short due to a covered reason, such as illness, injury, or another qualifying event, trip cancellation or interruption insurance may reimburse prepaid, non-refundable expenses. In some group travel insurance plans, cancellation due to one member’s medical issue may allow reimbursement for the entire group, but this depends on the policy. Coverage terms vary, so it's important to review the group insurance plan to understand if group-wide cancellation for a single member's condition is included.

Lost, Stolen, or Delayed Baggage: This benefit may help reimburse the cost of essential personal items if a group member’s baggage is lost, stolen, or delayed during the trip. Whether it’s clothing, toiletries, or other necessary items, coverage may ease the inconvenience and help travelers continue with planned activities. The benefit applies per person, as outlined in the travel protection plan.

Travel Delay Coverage: If your group experiences a covered delay, such as a weather-related flight disruption, the trip delay insurance may help cover additional accommodation, meals, or transportation costs. Each traveler in the group may be eligible for reimbursement based on the terms of the insurance plan.

Pre-Existing Conditions: Some AXA travel protection plans, such as AXA Gold Plan and AXA Platinum Plan, may include coverage for pre-existing medical conditions if the plan is purchased within a specified window (typically 14 days of the initial trip deposit) and other requirements are met. This can be helpful when traveling with members who may need ongoing care.

Travel Assistance Services May Include

The non-insurance assistance services are designed to support travelers in real time, especially when navigating unfamiliar destinations or coordinating care. Travelers can also reach out to AXA’s 24/7 support team through My Trip Companion, AXA’s travel assistance app, which provides quick access to emergency contacts, hospital locators, policy information, and service coordination tools during the trip. Travel assistance services may offer

24/7 Multilingual Phone Support: Travelers can contact AXA’s assistance team at any time, from anywhere, for help with medical issues, travel disruptions, or general guidance. Multilingual support is available to help travelers communicate clearly and navigate local systems, even if they don’t speak the local language.

Medical Coordination Services: Includes assistance locating hospitals, clinics, or pharmacies, arranging necessary treatment, and coordinating transportation in the event of a medical emergency.

Help With Lost Items and Travel Changes: Support may include help replacing lost passports or travel documents, tracking and recovering delayed luggage, and rebooking flights or hotels during a disruption.

Travel Alerts and Destination Guidance: Travelers may receive timely updates on destination-specific advisories, weather conditions, and entry requirements to stay informed throughout the trip.

Optional Add-Ons in AXA Travel Protection Plans

For groups with specific travel preferences or higher levels of activity, AXA Travel Protection offers optional add-ons that may be included in your travel protection plan for an additional cost. These features allow for greater customization, helping your group choose the right plan based on the trip, the destination, and the type of travelers involved.

Cancel for Any Reason (CFAR): The CFAR may allow the group to cancel the trip for a reason not listed as a covered reason in the standard travel insurance. If added, and eligibility requirements are met, the group may receive partial reimbursement of prepaid, non-refundable expenses.

Rental Car Damage Coverage: If your group plans to rent a vehicle during the trip, this add-on may help cover costs related to damage, theft, or vandalism of a rental car. Rental car collision damage waiver is particularly beneficial for group travelers sharing transportation at the destination, helping reduce out-of-pocket expenses and simplifying the claims process.

Sports Equipment Insurance: This optional benefit may provide reimbursement for loss, theft, or damage to sports equipment brought on the trip, such as skis, scuba gear, or hiking equipment. Sports equipment insurance may also cover rental costs if the gear is delayed or unusable due to a covered reason. This is especially helpful for group travelers planning activities at their destination, where equipment is essential to the experience.

Who Can Apply for Group Travel Insurance

Group travel insurance is available to families, friends, colleagues, or tour groups traveling together. Most group travel insurance may require at least five travelers, though some policies can accommodate smaller or larger groups depending on the provider. The travel insurance for a group can be purchased by an organizer, such as a school, company, or travel agency, or by an individual representing the group.

Eligibility typically requires all members to begin and end their trip within the same travel period, with a shared destination. While some group policies may allow for separate travel arrangements, all travel must fall within the covered trip dates. Age limits may apply, with some plans specifying that group travelers be under a certain age, often 60–65 years.

Once enrolled under a single policy, the entire group may receive consistent coverage for events like trip cancellation, medical emergencies, covered delays, and lost personal items. With one plan providing coverage for all eligible members, group travelers can coordinate more easily and prepare for their next trip with added support and confidence.

FAQs

Q. How are policy documents managed for group travelers?

A single policy is issued for the group, and each traveler receives a certificate of coverage detailing their benefits, including travel medical insurance, trip cancellation, and covered reasons.

Q. Can each group member file a claim individually?

Each traveler may submit a claim based on their own experience, such as lost luggage, medical treatment, or a covered delay, under the group travel insurance plan.

Q. Can optional add-ons be added after purchase?

Changes like adding Cancel for Any Reason or rental car damage coverage may be allowed before the effective date, depending on the policy. All group members must meet the qualification terms for updated coverage.

Q. Can a group plan include travelers of different ages?

Group travel insurance may cover travelers of varying ages, although some plans may have age-based benefit limits or exclusions. Check plan details to confirm what expenses are covered for each age group.

Q. What if the group size changes after booking?

Group policies may be adjusted before the effective date to add or remove travelers. Changes must be communicated to the provider to ensure accurate coverage and payment for the updated group size.