COVID-19 trip insurance
All our trips include COVID-19 cover before and during the trip so you can book and travel with confidence. Read more...
6 Oct 2021, 17:38 by Kate Moore
Now more than ever, schools need to ensure that they have adequate insurance cover for their school trip. In this guide we explain the types of protection that schools should be considering, whether organising a UK residential or a trip overseas.
Unlike standard holiday insurance, specialist school trip policies should cover the needs of all the parties invested in the trip. So, as well as protecting the students and staff in the group against an unexpected event, the policy should also provide financial protection for parents funding the trip and schools organising the trip (e.g. to ensure that staff can return to work as planned).
Standard travel insurance will protect your group against the following things going wrong:
Specialist school trip insurance will also protect the group for:
Travel insurance covers individuals for unexpected events and costs. But because insurance companies don’t have much experience of insuring travellers following the pandemic, some travel policies will just exclude any claims related to COVID-19.
At a minimum, schools require emergency medical treatment and repatriation for COVID-19 claims which means that the group is covered for both medical treatment and getting back to the UK if someone in the group tests positive abroad.
We recommend that schools look for an enhanced level of cover, which offers more COVID-19 protection than standard policies.
How much you pay for your insurance depends on the amount of cover you're likely to need. For example, it might be a good idea to include cover for gadgets (in our experience there’s always at least one child who leaves their phone on the coach), or choosing a policy with no excess, so parents aren’t left out of pocket after making a claim.
In the current climate, it’s a false economy to under-insure the group to save costs. But there may be ways to reduce out of pocket expenses while on the trip and give your trip extra financial protection.
Though we have left the EU, you can still use your European Health Insurance Card (EHIC) in EU countries until it expires. Or your group can apply for a UK Global Health Insurance Card (GHIC) on the NHS website. You can use a GHIC to get healthcare in EU countries at a reduced cost or sometimes for free. EHICs and GHICs are not a not a substitute for travel insurance, but may save the group on out of pocket expenses incurred during the trip.
It is also worth checking the cover provided by your RPA or school’s insurance policy as some policies include school trip insurance cover.
It is worth noting that groups booking a school trip package with an ABTA and ATOL bonded travel company, such as Voyager School Travel, will also benefit from additional financial protection if something goes wrong with their transport or accommodation.
Some school travel companies, such as Voyager School Travel, also offer extra flexible booking terms and refund guarantees, such as our Peace of Mind Promise, which go above and beyond our ABTA responsibilities.
Cover for UK trips is cheaper than cover for overseas school trips but is no less valuable. Though groups taking educational stays in the UK do not need cover for emergency medical expenses, they still need financial protection in case of lost or stolen items, and cancellation or curtailment of the trip. For example, parents won’t want to be left out of pocket if their child cannot go on a UK residential because they’ve tested positive for COVID-19.
All Voyager School Travel’s school trip packages, including UK residentials, are fully protected by ABTA’s STF Travel Sure School Trip Insurance. This specialist insurance includes enhanced COVID-19 cover and is only available through eligible STF members. Visit our COVID-19 School Travel Hub to find out more about the cover provided by ABTA’s STF Travel Sure Policy.
COVID-19 trip insurance
Peace of Mind Promise
You won't be left out of pocket because of changing travel rules. New bookings will receive additional financial protection. Read more...
The majority of our groups stay at our centres and travel on our coaches which means we can ensure the highest standards of care are met. Read more...
Safety assured, bonded and accredited
We make it easier
Teachers’ lives are hard enough without the extra work involved in running a school trip, so we’ll be there for you before, during and after the trip. Read more...
You are in expert hands
We have specialised in educational trips for over 10 years and organise school trips for over 25,000 students a year. Read more...
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