Group Travel insurance

Ensuring peace of mind on business and leisure trips with flexible, medical declaration-free options.

No instant quotes — we’ll guide you to the right cover for your needs.

What is

group travel insurance?

Group Travel Insurance is a single, annual policy that provides comprehensive travel protection for a company’s employees.

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It is designed to cover a wide range of unforeseen events during domestic and international business trips, from emergency medical expenses and lost baggage to trip cancellations and disruptions.

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It’s an essential policy for any business with travelling staff,

Why might you need group travel insurance

If your employees travel for work, you have a duty of care to ensure their safety and wellbeing.

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A Group Travel policy is the most efficient and reliable way to meet this obligation. Instead of arranging ad-hoc insurance for every trip, a single group policy provides consistent, automatic cover for your entire team.

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It offers peace of mind to your travelling employees and protects the business from significant costs that can arise from medical emergencies or travel disruption abroad.

How does Group Travel Insurance work in the UK?

A business purchases one annual policy that covers all employees. Whenever an employee travels on business, they are automatically protected under the terms of the group scheme. If an incident occurs, such as a medical issue or theft, the employee can contact the insurer's 24/7 emergency assistance helpline for immediate support.

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They can then make a claim to be reimbursed for any eligible expenses, such as medical bills or the cost of lost items.

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Policies can be tailored to your company's specific travel patterns and employee benefits strategy.

Business and Leisure Travel Cover

One of the most attractive features of a group policy is that it often includes cover for employees' personal holidays as well.

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This transforms the policy from a simple business necessity into a highly valued employee perk.

Cover can often be extended to include the employee's family members (spouses and dependent children).

It’s a cost-effective way to enhance your benefits package and support your team's work-life balance.

Defining Cover Limits and Regions

You can build a policy that reflects where and how your team travels.

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Geographical Limits: Choose from different levels of cover, such as UK only, Europe, or Worldwide.

Customisable Benefits: Set appropriate financial limits for key areas like trip cancellation, baggage cover, and medical expenses to ensure the policy is both adequate and affordable.

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👉 At Health Cheque, we help you assess your company's needs to build a group travel policy that offers the right protection.

Benefits of

Group Travel insurance

Business travel comes with risks, from medical emergencies to trip cancellations. A group travel insurance policy ensures your staff are protected wherever they go, helping you meet duty of care obligations with ease.

Peace of Mind for Business Travel

A group policy ensures all travelling employees are consistently covered, simplifying administration and providing peace of mind for both the business and its staff.

24/7 Emergency Assistance

Give your employees access to a 24-hour multilingual helpline for support with medical emergencies, lost passports, or legal advice while abroad.

Lost Baggage & Business Equipment

Insure against the loss, theft, or damage of personal baggage and essential business equipment like laptops and phones, so your team can continue to work effectively.

Emergency Medical Expenses

Cover the high costs of emergency medical and dental treatment abroad, including hospital stays, repatriation, and emergency transport.

Cover for Cancellation & Disruption

Protect your business against financial loss from cancelled trips, delays, or missed departures, ensuring you can recoup non-refundable travel and accommodation costs.

Protect Your Team Worldwide

Provide comprehensive medical cover for employees travelling on business, ensuring they have access to quality healthcare wherever they are in the world.

What does

Group Travel insurance

cover?

Ensure your team is safe and supported—wherever business takes them.

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A Group Travel Insurance policy is a comprehensive safety net designed to cover the main risks associated with travelling for work. It protects both the employee and the business from unexpected costs and logistical challenges.

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A typical policy provides cover for:

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Emergency Medical & Repatriation – Covering hospital bills and the cost of bringing an employee home if they are seriously ill.

Cancellation or Curtailment – Reimbursing non-refundable costs if a trip has to be cancelled or cut short.

Travel Disruption – Cover for delays, missed departures, or accommodation issues.

Baggage & Personal Belongings – For the loss, theft, or damage of luggage and business equipment.

Personal Money & Travel Documents – Including emergency replacement of passports.

Personal Liability – If an employee is held legally responsible for accidentally injuring someone or damaging property.

Optional Cover for Winter Sports & Activities

For companies that want to offer complete peace of mind, especially when personal leisure travel is included, policies can be extended. An optional Winter Sports add-on ensures employees are covered for skiing or snowboarding trips.

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This extension typically covers:

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Medical emergencies related to winter sports.

Loss, theft, or damage to owned or hired ski equipment.

Piste closure due to lack of snow or adverse weather.

The cost of a ski pass if an employee is unable to use it due to injury.

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What isn't covered by

Group Travel insurance

?

Understand the policy exclusions to ensure your team travels safely.

While travel insurance is comprehensive, there are specific situations that are not covered. It's important to communicate these exclusions to your employees so they are fully aware of their responsibilities when travelling.

Common Group Travel Insurance Exclusions:

Undeclared Pre-existing Medical Conditions - Employees must declare their medical conditions to the insurer; otherwise, claims related to those conditions may be rejected.

Travel Against FCDO Advice - There is no cover for travel to a country or region where the Foreign, Commonwealth & Development Office (FCDO) has advised against all or all but essential travel.

Incidents Involving Alcohol or Drugs - Claims arising from incidents where an employee was under the influence of non-prescribed drugs or excessive alcohol will be denied.

Lack of Reasonable Care - Insurers can reject claims for theft if personal belongings (like a laptop or passport) were left unattended in a public place.

High-Risk Activities - Activities like mountaineering, motorsports, or professional sports are not covered unless specifically agreed with the insurer.

In 2024, travel insurers helped hundreds of thousands of UK travellers with unexpected events abroad. It is vital that businesses ensure their employees know the 24/7 assistance number and understand their obligation to declare any health conditions.

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Need clarity on a specific activity or situation? Speak to our team for expert, impartial guidance.

Looking for

Group Travel insurance

cover here in the UK?

A robust Group Travel Insurance policy is an essential part of your duty of care to your employees. At Health Cheque, we provide independent advice on business travel schemes, helping UK companies find the right policy to protect their team and their business.

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Whether your business is in London, Manchester, Birmingham, Leeds, or anywhere nationwide, our expert advisers can build a policy that includes leisure travel for your team, offering a fantastic perk that supports their work-life balance.

Why businesses choose Health Cheque for group travel insurance

Independent advice — we search the whole market to find the best-value cover

Over 28 years’ experience supporting UK businesses with their travel needs

Includes leisure travel cover — a highly valued perk for your employees and their families

Tailored protection — cover for Europe or Worldwide, with customisable limits

Simple, clear explanations — no jargon, just straightforward advice

Dedicated claims support — we are here to help if your team needs us

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Insurance advice—delivered with integrity

We understand that trust matters. That’s why Health Cheque has earned a reputation for integrity and independence in the private health insurance space. Our team provides impartial support to help you navigate the market and access high-quality care, faster—without the confusion or hard sell.

Shahnye Saidy

Account Manager