School Trip Travel Insurance
Calculate your school Travel Insurance costs
Use our calculator to find out how much it will cost to add travel insurance to your tour.
We believe that safety and enjoyment are equally important when booking a tour with Adaptable Travel. It is therefore why it is a condition of booking with us that you have obtained adequate and valid specialist school group travel insurance for the entire duration of your trip.
Adaptable Travel have decided to partner with Howden Insurance (formerly Endsleigh Insurance), to create a bespoke school group travel insurance policy that covers against a variety of unforeseen risks.
Cover includes cancellation and curtailment of the trip due to illness, injury or death; the cost of any repatriation back to the beneficiary’s home country following a medical emergency. Additionally cover for over 100 sports and activities are included as standard under this group policy and full details are available within the activity guide lists in the group policy documents.
The group policy has been arranged for the benefit of persons travelling on a trip (the beneficiary / beneficiaries) with Adaptable Travel (the group policyholder).
Key features and benefits:
- A 24 hour helpline for medical emergencies
- Emergency medical expenses in the event of illness or injury
- Protection against cancellation or curtailment charges
- Cover for loss or damage to baggage and personal money
- A wide range of sports and activities covered including winter sports
Key eligibility criteria and exclusions:
- Not available to anyone aged 86 or over
- No cover under cancellation or curtailment charges, emergency medical expenses or personal accident relating to any reason set out under ‘Important conditions relating to health’ – see group policy wording and endorsements that may be applicable to the policy
- No cover where the FCO or World Health Organisation has advised against travel
- No cover where travel is not departing from and returning to your home country
- Claims may subject to an excess, depending on the cover section of the policy
- No cover in connection with a medical epidemic or pandemic, except claims under Section 2 – Emergency Medical and other expenses. See the Frequently Asked Questions below.
The table below displays a summary of the maximum amounts which are payable under each cover section. Please note the group policy is subject to terms, conditions, limits and exclusions - please refer to the group policy wording and the statement of insurance for full details of the cover available.
| Section | Benefits | Cover Limits | Excess |
|---|---|---|---|
| 1 | Cancellation or curtailment charges Aggregate limit Excursions | £2,000 £50,000 £250 | £50 (£20 loss of deposit) |
| 2 | Emergency medical & other expenses Emergency dental treatmentReplacement group leader | £5,000,000 £250 £5,000 | £50 |
| 3 | Personal accident 1. i. Death benefit (aged under 16) Death benefit (aged 16 to 64) ii. Loss of limbs or sight (aged under 16) Loss of limbs or sight (aged 16 to 64) iii. Permanent total disablement (aged under 16) Permanent total disablement (aged 16 to 64) 2. Death benefit (aged under 16) Death benefit (aged 16 to 64) | £2,500 £5,000 £12,000 £24,000 £15,000 £30,000 £2,500 £5,000 | £0 |
| 4 | Baggage (Including valuables) a) Single article, pair or set limit b) Valuables limit in total Group Equipment | £800 £200 £300 £750 | £50 |
| 5 | Group money, passport & documents 1. a) Currency, notes and coins b) Other group money and documents 2. Passport or visa | £500 £500 £200 | £50 |
| 6 | Personal Liability | £2,000,000 | £100 |
| Section | Benefits | Cover Limits | Excess |
|---|---|---|---|
| 8 | 1. Delayed Departure 2. Cancellation of trip (after 12 hrs) | £20 per 12 hrs up to £100 £2,000 | £0 £50 |
| 9 | Missed departure | £500 | £50 |
| 10 | Hospital benefit | £15 per day up to £300 | £0 |
A full copy of the insurance policy and statement of insurance document can be viewed in the below links. It is important you read the insurance policy prior to completing your booking so you are fully aware of the levels of cover provided and are confident that the policy will meet your needs.
Important Conditions Relating to Health
Any beneficiary of the Howden travel insurance policy, who is under 18 years of age, who are UK residents and travelling to countries in Europe only, will be exempt from the Important Conditions Relating to Health detailed in the group policy and any pre-existing health conditions will be automatically covered.
If you are not eligible for the above, please find the Pre-Existing Medical Conditions Guide to establish the Important Conditions Related to Health.
General conditions and general exclusions apply to the whole of the group policy and all levels of cover.
Global Health Insurance Card (GHIC)
We highly recommend that all travellers obtain a UK Global Health Insurance Card (GHIC) if travelling to countries in Europe. The UK Global Health Insurance Card (GHIC) allows British nationals access to statutory healthcare in Europe at a reduced cost or sometimes for free.
It is important to note that the GHIC is not a replacement for travel insurance. The GHIC may not cover the cost of all medical treatment or repatriation, whereas the Howden travel insurance policy will cover extended costs under Section 2 – Emergency medical and other expenses.
For more information about the UK Global Health Insurance Card (GHIC), you can visit the gov.uk website here: Apply for a UK Global Health Insurance Card (GHIC) - GOV.UK (www.gov.uk)
Alternative travel insurance providers
Should you decide to make your own travel insurance arrangements, please note adequate and valid travel insurance is a requirement for all those travelling with Adaptable Travel. It is a condition of completing your booking with us that you agree to obtain adequate travel insurance (which includes bespoke features specific the activities you will participate in whilst on your tour).
If you have any questions about the travel insurance we have designed for you through Howdeb, please contact us
If you choose to add this insurance to your trip, your Insurance will be included for your group automatically once your booking is confirmed. Please note that as soon as your full Confirmation Deposits have been paid and we confirm your tour, your policy will then become effective immediately.
Please find below the full suite of the Howden travel insurance policy documentation that will be applicable to all beneficiaries of each school group:
>Insurance Policy PDF download (PDF)
>Insurance Product Information Document (PDF)
>Important Pre-contract Information
Additional Useful Information
>Pre-Existing Medical Insurance Guide (PDF)
**For groups who booked BEFORE 1st October 2024
The documentation for groups who booked before 1st October 2024 is different. Please contact our team for your documents.