Organising a trip for a group of people is an achievement in itself. Getting everyone's dates to align, agreeing on a destination and sorting the bookings is enough work without also chasing everyone to make sure they've sorted their own travel insurance. A group policy puts all of that in one place, covering between three and eight people under a single policy so that everyone is protected, and you know the job is done.
What is group travel insurance?
Group travel insurance is a single policy that covers multiple travellers on the same trip. Rather than each person buying their own policy separately, everyone is included under one plan, with the same cover applying to each member of the group.
Post Office Group Travel Insurance covers between three and eight people. It's designed for groups of adults travelling together, whether that's a group of friends going on holiday, a sports team heading to a tournament, a stag or hen party, or a club trip.
Why a group policy can be particularly useful
The real value of a group policy isn't just convenience. It's that when something happens to one person in the group, it can affect everyone's plans, and a group policy reflects that.
Imagine two couples who've booked a ski trip together. A week before they're due to fly, one person breaks their leg. They clearly can't travel. Their partner might not want to go without them and the other couple might decide it's not worth going for just the two of them. With a group policy, all four people are covered, not just the person who was injured. They can therefore all make a claim to help recover the costs of their booking, up to the limits in their policy.
The same logic applies to any group trip that only works if everyone goes. If five friends booked a trip and one is made redundant, that person may reasonably decide they can't afford the trip anymore. But the accommodation therefore becomes more expensive for the other four. If they decide to cancel, everyone on the policy can make a claim for their cancelled costs, not just the person whose circumstances changed. Again, be sure to read the policy wording for information on limits and exclusions.
It also solves a problem every group organiser knows well. If you're putting together a stag or hen do, a friends' holiday or any group trip, there's usually at least one person who's less organised than the rest. With a group policy, everyone is covered from the moment the policy is taken out. You're not left hoping that the person who always leaves things to the last minute has actually sorted their insurance, or worrying that they'll end up needing hospital treatment abroad and coming home to a bill they can't pay.
Be the ultimate group trip planner
What does group travel insurance cover?
Post Office Group Travel Insurance provides the same level of cover as an individual Post Office travel insurance policy. There are limits at different policy levels and certain exclusions will apply, so be sure to read these before taking out the policy. The cover applies equally to each person and includes:
- Emergency medical expenses and repatriation
- Cover for accommodation and activity costs if you have to come home early due to a reason outlined in the policy
- Cover for items being lost, stolen or damaged, including your baggage, passport and travel money
- Medical Assistance Plus1: 24/7 access to an English-speaking doctor by video call
Optional extras are available for an additional premium, including excess waiver, gadget cover, winter sports cover, cruise cover, and trip disruption cover.
Can the group travel on different dates?
Group travel insurance is designed for people travelling together on the same trip. If members of the group are departing on different dates or taking separate itineraries, a group policy may not be the right fit, and individual policies could be more appropriate. If you're unsure, it's worth checking the policy details or getting in touch before you buy.
Pre-existing medical conditions in a group
Each person included on the policy needs to answer the medical screening questions honestly and in full, including anyone with a pre-existing condition. This is true whether you're buying a group policy or an individual one.
In a group setting, this can feel slightly awkward. Not everyone is comfortable sharing details of their health with the rest of the group. If you're the organiser, try and get everyone together and people can then add their health information privately.
Be sure to make everyone aware that they need to declare any health condition. An undeclared condition that leads to a claim, or that is indirectly linked to a claim, won't be covered. This includes conditions that increase the risk of another event, such as high blood pressure being connected to stroke risk. Being upfront at the application stage protects everyone.
At Post Office, we consider all pre-existing conditions. If we're not able to offer your group a policy due to the health conditions of one or several of the travellers, we’ll direct you to an insurer which might be able to help.
Is group travel insurance cheaper than buying individually?
It can be, but it isn't always. In some cases, individual policies might be better value, particularly if the group has a wide age range or if some members have medical conditions that significantly affect the premium.
The most straightforward way to compare is to get a group quote and weigh it against what individual policies would cost. Price aside, the convenience and the shared cancellation benefit might be enough of a reason to go with a group policy for trips where the whole group is committed to travelling together.
How much does group travel insurance cost?
The price of a group policy is calculated based on the number of travellers, the destination, the duration of the trip, the ages of those travelling, any declared medical conditions, and the activities you're planning. A short European city break for three people in their thirties will cost considerably less than a month-long worldwide trip for eight people with a range of medical histories.
The best way to find out is to get a quote based on your specific group and trip details.
Why Post Office?
- One policy covers the group: Between three and eight people on a single plan, so the whole group is protected from the moment you take it out
- Medical Assistance Plus1: Every member of the group gets 24/7 access to an English-speaking GP by video, useful for anyone who needs non-emergency medical advice abroad
- Award-winning: Post Office Travel Insurance won Best Travel Insurance Provider at the 2026 Your Money Awards
- Defaqto 5-Star rated for Premier cover: Independently rated for quality and comprehensiveness of cover
- We consider all pre-existing conditions: We’ll redirect you to an alternative provider if we can’t cover your trip due to medical reasons
- UK-based customer service: One number for the whole group if something goes wrong
Key takeaways
- Group travel insurance covers between three and eight people on a single policy
- It's designed for friends, clubs, sports teams and other groups of adults travelling together
- If the trip can't go ahead due to a reason outlined in the policy affecting one person in the group, everyone in the group can make a claim
- Each person declares their own medical information when they take out a quote
- Group policies aren't always cheaper than buying individually, but they're often simpler and more practical for trips where everyone's plans are linked
Be the ultimate group trip planner
Common questions about group travel insurance
-
Post Office Group Travel insurance is available for between three and eight people travelling together on the same policy.
-
Family travel insurance is designed for parents and their dependent children travelling together. Group travel insurance is for adults travelling as a group, who don't need to be related. If you're travelling with a mix of family members and friends, it's worth considering which type of policy suits your group.
-
Yes. If the trip is cancelled for a reason covered by the policy, each member of the group can make their own claim for their individual costs. This is one of the key advantages of a group policy over separate individual policies: if one person's circumstances mean the trip can't go ahead and the rest of the group decides not to travel either, everyone is covered.
Footnotes
1Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person listed on the policy, and up to 3 appointments per event. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service. You may need to pay for your prescription upfront and claim on your return home.
Related services and guides
Winter sun holiday destinations to escape to
Looking to escape the chilly UK winter? Our Winter Sun Survey reveals the top sunny destinations UK travellers are choosing this season. And learn why travel insurance is key for a worry-free holiday in the sun.
Where is hot in March, April and May?
Spring is a great time to leave the cooler UK and go somewhere sunny. And we can help with that.
Turkey travel insurance
A trip to Turkey offers beaches, mountains, distinct cuisine and striking architecture. Discover where to go and how travel insurance can help you make the most of your trip.
USA travel insurance
Discover top places to visit, tips on staying safe and why travel insurance is essential for an unforgettable USA adventure
Safe travels: where can I go on holiday?
Travel’s a great way to unwind, see the world, open the mind and expand horizons. But rapidly changing situations around the world can soon impact such plans.
Find hot holiday destinations any time of year
If you're the type of sunchaser who looks forward to that sizzling summer break, can’t wait to escape to warmer climes in the UK’s winter months or can't be away from vitamin D too long, we’ve got a few ideas about where to go.
Germany travel insurance
If you’re visiting our neighbours in central Europe, get the appropriate travel insurance so you can keep your mind on your trip
Barbados travel insurance
Discover some of the top places to visit in Barbados, healthcare information and tips on staying safe.
Morocco travel insurance
Perched on the northern tip of Africa, Morocco’s long been a popular destination for UK holidaymakers. If you’re heading there soon, make sure you’ve got good travel insurance to cover you.
Spain travel insurance
Discover some top places to visit in Spain, tips on staying safe while you’re there and why travel insurance is essential for an unforgettable Spanish adventure.
Iceland travel insurance
Prepare for your dream holiday to Northern Europe with useful information, tips and a travel insurance policy tailored to your trip.
Travel insurance for Ireland
Do UK residents need travel insurance for Ireland? And what healthcare is available for Brits if they’re visiting the country?
Travel insurance for Italy
Find out about the safety of travelling to Italy as well as the medical care available to Brits and how to get around.
Travel insurance for Japan
If you’re jetting off to Japan soon make sure you have good travel insurance to cover your trip. The right policy may offer more protection than the standard medical care UK citizens can access when they visit.
Travel insurance for Dubai
Discover top places to visit, tips on staying safe and why travel insurance is essential for an unforgettable Dubai adventure.
Australia travel insurance
Find the best places to visit in Australia, tips on staying safe and why travel insurance is a must for your trip.
What is the best month for a Caribbean cruise?
Dreaming of turquoise waters and sun-kissed beaches? Planning the perfect Caribbean cruise starts with choosing the right time to go. This guide explores the best month for a Caribbean cruise, what weather to expect and how to prepare.
Travel insurance for India
For many UK holidaymakers, India is an intriguing and diverse culture with colourful traditions and engrossing history. For many others, it’s a home from home.
Travel insurance for Greece
Greece and the Greek islands have long been a popular travel destination for us Brits. But are there any travel risks or other factors to keep in mind before and when you go?
Travel insurance for Cuba
Today, Cuba is more accessible than it has been for many decades, and those who decide to holiday there can expect a mixture of colourful city life and luxurious beaches.
Travel insurance for Egypt
Make sure you’re travelling safely in Egypt with the latest advice and risks, and learn about getting around and local culture.
Travel insurance for France
It may be a short hop away, but a trip to France is not without its travel risks. Make sure you’re clued up on what they are and have travel insurance in place to help protect you, so you can concentrate on just enjoying your break.
Vietnam travel insurance
This guide explains top things to know about travelling to Vietnam, and how to make sure your cover is right for the trip you’re planning.
Travel insurance for China & Hong Kong
From the Great Wall to Victoria Harbour, China and Hong Kong offer some of the world’s most extraordinary experiences. Make sure you’re covered before you go.
Travel insurance for New Zealand
Find out what medical care Brits can access in New Zealand and travel risks to be aware of like natural catastrophes, however rare.
Travel insurance for Canada
Canada is a vast country of diverse delights – everything from bustling cities to snow-capped mountains, deep forests and crystal clear lakes. If you're thinking of experiencing them, it's time to consider your travel insurance.
Travel insurance for the Balearic Islands
It’s one of the most popular holiday hotspots for UK holidaymakers. But what can you expect from a trip to the Balearics?
Travel insurance for South Africa
How safe is South Africa to visit and why is having travel insurance important when you go? Our guide looks at the potential travel risks and the cover you may want to look for in a policy.
Travel insurance for Thailand
Thailand’s idyllic beaches, azure-blue sea, buzzing cities and exciting alternative scene are a draw for Brits. A trip can be a once-in-a-lifetime event.
Travel insurance for the Canary Islands
People flock to the Canary Islands from all over Europe. No wonder, with such appealing beaches, landscapes and temperatures to enjoy.
Mexico travel insurance
Discover some of Mexico’s top spots to visit, tips on staying safe and guidance on travel insurance.
Where is hot in December, January and February?
Looking for holiday destinations that promise warmer days in the UK’s colder winter months? We can help with that.
What can I take on a plane?
Ready to jet off on a much-needed break but confused about what you can take with you on the flight?
Teen travel: holiday ideas for teenagers and tips for parents
Travel can help teenagers grow and discover new places. This guide shares the best trips for teens, advice for those travelling independently for the first time, plus tips for parents too.
Where is hot in September, October and November?
Looking for holiday destinations that promise warmer days as UK temperatures start to fall? We can help with that.
10 ways to look after your valuables at the beach
The whole idea of lounging around on the beach is to switch off and enjoy the sunshine. But the reality is that opportunistic thieves are on the lookout for unattended valuables, and it’s important to make sure you’re protected.
Don’t let illness spoil your perfect holiday – book an online doctor
There’s nothing worse than falling ill while away from home. Along with the worry of the cost of visiting a doctor and getting treatment, being poorly can put a real dampener on your trip.
Top tips for going to festivals overseas
With festivals overseas becoming the new norm, festivalgoers need to do a bit more planning than for a UK festival.
Do I need travel vaccinations?
There’s no better feeling than planning an amazing trip to an exotic destination. Make staying safe with travel vaccinations top of your to-do list.
What is ABTA?
Over 60 million people travel from the UK most years for holidays or business. The vast majority enjoy smooth, trouble-free journeys. Sometimes, though, things go wrong.
What is ATOL protected?
ATOL stands for Air Travel Organisers' Licensing, a scheme that helps make sure consumers are covered if travel firms fall into financial difficulties.
How to protect your travel documents
While it’s useful to take hard copies of travel documents away, you can minimise your worry and risk. Here are some handy tips on keeping your travel documents safe.
Travel hacks to help save money on your holiday
Satisfy your travel craving while making your holiday budget go further.
Great tips for people travelling alone
Whether you’re travelling solo because of business, you’re hoping to meet someone, or simply because you enjoy it, being by yourself can sometimes be a daunting prospect when you’re abroad.
Travelling without insurance: Why you should never take the risk
If you’re thinking of heading abroad without insurance, think again. This guide explains why doing so can be risky, busts common myths about the need for insurance and shows how easy it is to protect yourself.
8 tips on staying safe while you enjoy your winter sports
The white stuff is alluring, so make sure you can enjoy it safely, are ready for the unexpected and pack travel insurance for extra reassurance.
Travel insurance for seniors and travelling with grandchildren
Read our guide to travelling in later life. We explore what to look for in your travel insurance, plus taking trips with your grandchildren.
Schengen travel insurance for UK travellers
There are different rules for travelling to the Schengen Area from the UK since Brexit. If you’re visiting this part of Europe, find out if you need a Schengen visa and travel insurance.
The Travel Safety Index for Solo Travellers
Travelling solo means freedom and independence, making new connections and never having to compromise.
Vaccinations needed for Thailand
Some vaccinations for Thailand are recommended and some are mandatory in certain circumstances. It’s important to know which vaccinations or injections for Thailand you need to get before you leave home.
When to buy travel insurance
Do you need travel insurance for your trip? Is travel insurance worth it? And, if yes, when is the right time to buy cover?
Understanding cruise travel insurance
Thinking of going on a cruise? Learn how cruise travel insurance protects you from unexpected events on board, at sea and on land, for smooth sailing and a stress-free experience.
Top cruise destinations for your bucket list
Ever dreamed of sailing to the world’s most exciting places? Cruises can make that happen.
How to pack a suitcase
Whether you’re heading to the beach for a much-needed break or boarding a boat for a cruise somewhere breath-taking, it’s important to know what to pack in advance so you’ll have everything you need.
Gap year travel advice for solo travellers
Exploring the globe can be scary, but there’s so much to find at the edge of your comfort zone. We look at some of the top destinations to visit on your own – and share tips on how to keep safe when you go.
How to get a free flight upgrade
There are several ways to get to the top of the class on your flight – whether that's business or even first.
Travel insurance for people with high blood pressure
Travelling with high blood pressure is fine – but it’s important to make sure you’ve got the right cover in case something goes wrong abroad.
What you should do about delayed, lost or damaged luggage
The last thing you want to happen on holiday is standing the luggage carousel at the airport waiting for bags that don't appear. It's a huge inconvenience that can cost you time, money and a lot of stress.
Travel insurance for diabetics
You should be able to get the right cover to travel abroad if you’re diabetic, making sure that your medical needs are taken care of.
Travelling while you work or vice versa with nomad travel insurance
It’s easier now to mix business and leisure travel. Whether you’re planning a bleisure trip, taking a workation or exploring life as a digital nomad, there are more options than ever to work from anywhere with nomad travel insurance.
Do I need travel insurance for a UK break or staycation?
Travel insurance for a holiday in the UK isn't something you must have, but it might be something you want to have.
Travel insurance for cancer patients
If you're living with cancer but love to travel, can you get travel insurance for your trip?
Kids’ travel insurance
It’s exciting when your child takes their first trip without you. Whether it’s a school visit, a holiday with friends or a gap year adventure, you’ll feel proud… but it’s normal to worry too.
Is Airbnb safe? Tips on staying safe
The arrival of Airbnb has helped to transform the travel industry in recent years. On any one night, over two million people stay in homes advertised through Airbnb in 65,000 cities around the world.
Holiday packing and pre-travel checklist
So, you’ve booked your flights, accommodation and activities. What next?
Lost and costly: What UK holiday-goers lose most on holiday and how to avoid it
A surprising number of items get lost on holiday. Learn what you can insure and how to keep it safe.
Everything you need to know about embassies
Learn the difference between embassies and consulates, and why you might need them when travelling.
Flight delays and compensation
Most of the time, getting a flight is a hassle-free event. If you only take hand luggage, have your boarding pass saved to your phone and everything’s running to plan then you can breeze through security and hop on your flight with little fuss.
How to get assisted travel at airports
Lots of people who need assisted travel at airports are missing out simply because they don’t know how to go about asking for it.
A complete list of backpacking essential items
Going backpacking is one of life’s great adventures. But before you set off you’ll need some packing tips so you're not weighed down on the way.
How many bank holidays are there in the UK?
Bank holidays are special days off when many people in the UK don’t work. They’re a great chance to relax, travel, see family or catch up on things.
Getting travel insurance for an adventure holiday
Adventure holidays come in all shapes and sizes. They can be full of action or just include a few activities, depending on the type of getaway you’re going for.
What to do if your airline or holiday company goes bust
Finding out that your airline or holiday company has gone bust is a shock – especially if you’re on holiday at the time. But there are plenty of laws and regulations in place to protect you and your family from losing what could be a lot of money.
The true price of travel bugs and how to avoid a costly holiday nightmare
European and Global Health Insurance Cards
If you're travelling to an EU country from the UK, make sure you take a Global Health Insurance Card (Ghic) with you or existing European health Insurance Card (Ehic), if it's still in date. You'll need them to access free healthcare during your stay, should you need it.
Don't make these holiday mistakes
Booking a last-minute holiday can get the blood pumping with the sudden thrill of adventure, but it also makes it easier to overlook things.
Travel insurance for heart conditions
Having a heart condition doesn’t have to stop you from travelling. Here’s what you need to know about getting the right cover.
Post Office Travel Insurance Winter Sports Survey
With the winter sports season upon us, we conducted a Winter Sports Survey for the second year running. It found as many as four in 10 UK travellers (39%) planned to take up a winter sports activity this year, with 25% keen to go skiing. It also emerged that many prefer winter escapes to summer ones. But has the nation considered all the protection we need for winter sports holidays? Or are we woefully underprepared?
How to travel with your dog
Taking your best friend on holiday with you is everyone's ideal situation, but travelling with a dog can be a complicated process. Make sure you know how.
Travel tips for babies, toddlers and young kids
Travelling with kids? Before you get on the plane, read our quick and easy guide to help make sure your journey runs smoothly.
Travelling during your pregnancy
Before your little bundle of joy arrives, you may be considering taking a holiday. But is it safe? And what precautions should you consider before making a booking?
10 tips for keeping kids safe on holiday
We all know the feeling – getting to the airport, then a wave of panic comes over you. Did you remember your passport? What time's the flight? And where on earth did you put the kids?
Compare our travel insurance
Travel insurance is essential for any trip. It can help protect you from things like flight cancellations, medical emergencies and lost luggage.
Worldwide travel insurance
Fancy trekking in a remote Asian rainforest? A wild time in New York? Flying over Niagara Falls in a helicopter? Or maybe taking in the sights of Athens or Rome?
Family Holiday Report 2025
Discover the best-value European destinations for families with our annual report on local costs for holiday essentials.
Travel insurance for Jersey
Learn how to get the most out of your trip to Jersey. That includes getting travel insurance, which the local government strongly recommends