Backpacking Travel Insurance For Groups

There are a number of really good reasons for those travelling the world in a group, or even as just two mates, to have the same insurance policy to cover them. Here are a few of them...

• You will all have the same policy numbers and assistance phone numbers. So everyone in the party has the same information. If an emergency arises it makes it quicker to get help.
• The list of permitted potentially hazardous activities is the same for everyone in the group. This means that, if you decide on a spot of bungee jumping, you are all covered or all not covered - so less chance of one person having to sit out on the fun. And if you want to get extra cover it's one phone call to your insurer - not a series of calls from the other side of the world.
• If any of you have an existing medical condition it is a good idea to insure the whole party on the same travel insurance policy. If the person with a medical condition needs to claim, never mind the reason, then the rest of the group are also covered. An example of this would be if one person is taken ill abroad then the policy will enable another person in the travelling party to remain in the country with them until they are well enough to travel again. If, in the worst case scenario, the holiday needs to be cancelled because of a medical problem which was related to the pre existing medical condition then all those travelling and insured on the same policy should be eligible for a refund.

But whilst most insurers offer family or partner's discounts most of these only apply if you are officially 'a couple'. We have detailed policies below who buck the trend, and show the discounts that apply if you insure together (if you are in a relationship they apply for you as well!).

Company	Product	Online Discount	Ages Covered	Trip Duration	Medical Cover	Existing Medical Condition Cover	Bungee Jump	Scuba Diving to 30m	Whitewater Rafting Grade 1 or 2	Safari Trips	More Info
	Flexicover Longstay	0%	18 - 75	3 months - 12 months	£10m
	Flexicover offer the following discounts, which can be combined: Sign up for the free Flexicover newsletter before buying your policy and you'll receive a voucher code saving 10%. Travel Companions buying a policy together both save 5%. Maximum Trip periods are reduced for those over 65. Policy compared is the Platinum cover.
	Flexicover Gap Year	0%	16 - 45	1 month - 18 months	£10m
	Product compared is the standard Gap Year policy available through our link - Flexicover also sell less comprehensive policies via other comparison sites. Flexicover offer the following discounts, which can be combined: Sign up for the free Flexicover newsletter before buying your policy and you'll receive a voucher code saving 10%. Travel Companions buying a policy together both save 5%. Platinum cover compared.
	Top Dog Gap Year	0%	16 - 45	1 month - 18 months	£7.5m
	Product compared is the Gold Gap Year policy available through our link - Top Dog also sell less comprehensive policies via other comparison sites.

We have also detailed a few hazardous pursuits (such as bungee jumping, white water rafting (level 1/2), scuba diving to 30m (accompanied and subject to qualification) and undertaking an organised safari so you can get a feel as to their appetite for these as well.

This content was last reviewed on 10/12/2018