Group Travel Insurance Plans

Is there any way to get a discount on my visitors insurance plan?

Not really. The insurance industry does not allow for discounts even for return customers (but we love you!). However, there are several ways to reduce your premium. Choosing a higher deductible (e.g., $500 or $1,000 vs. $100) lowers your monthly premium.

And comparing the latest prices using our website allows you to get the most economical plan available. Traveling or visiting with a family group? Group Travel Insurance often cost less per person than individual policies, but you must have at least five people for this to apply.

Is it cheaper to buy a group policy instead of individual plans?

Often yes, but there can be drawbacks. Group plans can offer lower cost per person. You do not need to have the same travel dates, but you need at least five individuals to create a group. However, with a group plan, if one person is over 70 (for example) this will limit the maximum for the entire group (because people in that age group are limited).

Individual plans provide more flexibility to customize coverage, deductibles, and travel periods. At American Visitor Insurance, we can compare both options to help you choose the best value for your group.

What are the requirements to purchase a group visitors insurance plan?

Most insurers require a minimum of five travelers to qualify for a group plan. All members of the group typically need to share the same policy start date, though end dates can sometimes vary by individual. The group is usually associated with a common purpose such as a tour group, corporate travel, or a family reunion though this isn't always a strict requirement. At American Visitors Insurance, we can walk you through the specific eligibility criteria and help you determine whether a group plan or individual policies make more sense for your situation.

If one traveler in a group can no longer travel, do we have to cancel the entire group policy?

No, one traveler dropping out does not require the entire group policy to be cancelled. In most cases, the individual who can no longer travel can be removed from the policy and may be eligible for a refund of their portion of the premium, provided no claims have been filed on their behalf. The remaining group members continue with their coverage unaffected. The exact process varies by insurer, so contact American Visitors Insurance as soon as you know someone is dropping out and we'll handle the adjustment promptly so the rest of the group remains fully covered.

Is the coverage amount per traveler or shared across a group?

The coverage amount is per traveler, not shared across the group. Each insured person on the policy has their own individual coverage maximum, deductible, and benefits so one traveler's claim does not affect another's coverage.

This means if you purchase a $100,000 policy maximum for a group of four travelers, each person is individually covered up to $100,000. Have questions about group coverage options? Our team at American Visitor Insurance is happy to help you find the right plan for your group.