Help! Travel insurance for 17yo on small group school trip

[Skpt]

She goes tomorrow 😫 the packing list says ‘all participants must be enrolled in traveller’s insurance’.

Never had to arrange insurance for school trips before, always covered by the school. Is it different because it’s a small group? Because they’re year 12?

School is now closed for the half term holiday so can’t ask them. Planning to get DD to ask her friends who are going what they’ve done but may not get a swift reply.

We don’t travel much and don’t have a family policy in place at the moment. If I just buy a multi trip annual policy for the whole family will she be covered if she goes abroad by herself (but with responsible adult teachers)?

I have googled I promise, just very confusing about family cover/group cover…

I wouldn’t over complicate it. Just get her single trip insurance for herself? It’s cheap and easy enough to sort

What is she doing on the trip, any sport type activity check travel insurance covers that. Can get cheap single trip insurance

Crikey, you’ve left it a bit late! Remember the words of Martin Lewis. Make sure travel insurance is in place BEFORE you book next time!

The OP (not unreasonably) assumed that the school would be arranging the insurance as that is what has happened before on school trips.

Are you sure it’s not just a case of you. Wed to make sure you’ve clicked a link school have sent you?
id be AMAZED if school are expecting you to organise it yourself. And it says all participants must be enrolled in travellers insurance, not that each traveller must buy their own!

The wording saying " must be enrolled in travelers insurance", does that not mean through the school? Did you have a form to fill out for insurance at any point during the process?

The school should sort this, surely?

You need to check if your insurance covers her as she’s 17 and travelling without her parents. My daughter went on a trip with friends when she was 17 , she had to try a few insurance companies as some don’t cover 17 year olds travelling without parents. I can’t remember who she went with, I think it cost her about £20.

Can you check with any other families?

I had to get dd insurance for trips at 6th form, was really cheap thankfully

Yeah all of mine had to get their own insurance when in 6th form!

Thanks all. DD checked with others going on the trip and it was definitely for us to sort. We have been a bit lax in checking stuff, all the communication has gone through DD since she started sixth form and we clearly trusted too much that she would pass on important stuff.

Anyway, sorted now. I got a bit stuck in a couple of rubbish website loops on ‘get a quote’ forms that insisted on a lead traveller that was over 18, but DH found somewhere and managed to get single trip cover just for her.

Also been out for last minute travel toiletries, good job I had taken the day off 😅

OP make sure she is registered and has her details for her EHIC (or the newer issued one). Often (if it’s EU) they will only treat at state hospital if she presents one, and often insurance policies have a clause that state you must have a valid one for any claims to be valid as insurers will aim to push as much cost via that before they pay out.

I have learnt this from experience.