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Egypt Express

Magical Egypt

Eternal Egypt

Wonders of Egypt

Pyramids, Nile, & Red Sea

Wonders of the Nile

Spiritual Tour

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Jewels of the Nile & Petra

Petra Over Day

Egyptian Safari

Sahara Explorer

Jewels of Cairo

4 Days 3 Nights

Crown of Egypt

5 Days 4 Nights

Over day Excursion

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Catherine’s & Mt. Sinai

3 Days 2 Nights

Catherine’s, Mt. Sinai, & Dahab

Sharm el Sheik

Best of Cairo & Luxor

Testimonals

We have traveled with Guardian 3 times and has been treated like family. We also appreciated our guide’s deep and broad knowledge about the history and mythology of Egypt. For us it has also been important that all practical things e.g. accommodations and transportations has worked out perfect. We are looking forward to next trip with you! - Eva, Anders and Ida Wiger, Stockholm, Sweden

Dear Mohammed, Thank you for the opportunity to have traveled to Egypt twice with Guardian Travel and your Father. Our journeys involved two large groups of people, over 50 in number, who were moved seamlessly throughout the trip with the utmost care. Within a day or two we all felt like family, like we were visiting long lost friends. No matter whether we traveled by boat, bus or plane no issue was overlooked. The specific interests of the group were taken into account and at no time did we feel like we were on a "canned" tourist trip. We were given first class attention wherever we went, a testimony to your families reputation within your country. I feel like I created a long term relationship with all of you and will never forget my two trips to Egypt. All my love and blessings, - Sheri

Guardian Travel has organized two trips to Egypt for me and my group. I recommend them regularly to friends and family who are planning travel to Egypt. They have been professional, kind, and are very knowledgeable as guides. In addition, the Fayed family has a special link to the essence of Egyptian history that brought a sense of depth and true connection to our journey. - Anandra George, Event Planner

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Keswick: Lake District centre based walking

Keswick is a bustling market town established in 1276 located in the north of the English Lake District and dubbed the...

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Experience the highlights of the Scottish Highlands as you follow the Great Glen Way from Fort Augustus to Inverness....

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Medieval buildings, romantic squares, pretty canals, world-class art; Bruges is a lavish feast for the eyes. This being...

Paris was, is and always will be, something rather special. So if you have an anniversary to celebrate, a family get...

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Georgia: Land of Myths and Mountains

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Georgia’s beauty is legendary and takes many forms. From the cobbled streets and hidden squares of old Tbilisi to the...

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Marrakech & the Sahara

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Experience the grandeur of the Sahara as we journey from Marrakech across the High Atlas Mountains to the palm groves of...

Mt Toubkal Long Weekend

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Mount Toubkal, known locally as Jebel Toubkal, stands 13,671ft (4,167m) above sea level and commands superb panoramic...

India's Golden Triangle

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Discover the Golden Triangle – a classic route linking Delhi, Agra and Jaipur – on a pulsating tour that takes in...

Highlights of Morocco

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Experience the very best of Morocco, from mazey medinas and lively souks to the broad-shouldered Atlas Mountains and...

Sierra de Aitana Trek

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Although close to the Costa Blanca, the dramatic massif of Sierra de Aitana has remained a secret from all but a few...

Walking the Island of Madeira

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Discover the wild and varied scenery of Madeira, from gentle strolls along flower-lined levadas (centuries-old waterways)...

Walking in Northern Albania - Into the Accursed Mountains

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Extending across vistas liberally scattered with deep river valleys, alpine lakes and national parks, the towering...

Walk Spain's Sierra Nevada & Granada

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The Sierra Nevada towers over southern Spain. Much of this dramatic landscape is a protected biosphere reserve, rich in...

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Amsterdam, Kinderdijk and the Dutch Bulbfields River Cruise - MS Emily Brontë

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The bulbfields really are an amazing sight. In Keukenhof Park, a staggering 7 million blooms cover 80 acres in a riot of...

The Danube's Imperial Cities and Yuletide Markets River Cruise - MS William Wordsworth

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Enjoy a guided tour of the fascinating Hungarian capital Budapest, imperial city of two halves straddling the mighty...

Danube Christmas Markets

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One of Europe’s best kept secrets in one of its most undiscovered corners, explore the sleepy villages and medieval towns...

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Explore the historic cities of the mighty Rhine and the quintessential half-timbered wine villages of the serene Moselle,...

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Amsterdam, Kinderdijk and the Dutch Bulbfields River Cruise for solo travellers - MS Geoffrey Chaucer

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The stunning bulbfields really are an amazing sight. In Keukenhof Park there are a staggering 7 million blooms covering...

Burgundy, the River Rhône and Provence River Cruise - MS Lord Byron

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Our journey through France explores the beautiful Saône and Rhône French rivers, the preferred route of traders and...

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The wiggle room around 2% inflation targets :Mike Dolan

This week's milestone G7 interest rate cuts dispel any notion that hitting 2% inflation targets spot on is a precondition for central bank moves or indeed sensible - and may guide thinking on the Federal Reserve and Bank of England too.

What is group travel insurance?

• Coverage options
• Choosing the right plan

Purchasing and managing group policies

• Special considerations
• Final recommendations and tips

Group Travel Insurance: A Comprehensive Guide

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Group travel insurance is a single policy that covers groups of 10 or more. 
• Everyone in the group must have the same itinerary and travel to the same destination.
• Shop early and compare quotes to get the best deal. 

Whether preparing for a large family reunion in another state, booking a business trip with colleagues, or traveling with your college crew to a new country, you might consider group travel insurance. Group travel insurance provides financial protection for trips of 10 or more groups. But apart from the party size requirements, it functions the same as other travel insurance policies. 

Here's what you need to know about group travel insurance — how to determine if you need it, different options, and tips to secure the best deal. 

Group travel insurance is a single travel insurance policy that protects everyone on a trip. The policies are available for groups of 10 or more. Unlike other insurance policies that only cover one person or family travel insurance that only covers related travelers, group travel insurance can cover any group traveling together. You do not have to be related.

Group travel insurance policies usually offer comprehensive coverage, including standard protections against lost luggage, legal fees, medical emergencies, trip cancellations, and more. 

Key Benefits of Group Travel Insurance

Cost-effectiveness.

Group travel insurance may be cheaper than buying separate policies for each individual traveler. Insurance companies may provide discounts for insuring multiple people, as this lowers administrative overhead per person. This is similar to how auto insurers offer rate reductions for consumers who insure multiple people under one policy. 

It's worth noting that group travel insurance costs depend on the insurer and your trip details. Comparing quotes can help you find the best rates on the coverages you need.

You can find our guide on the best cheap travel insurance here.

Simplified management

Group travel insurance might make sense if everyone in your group has the same itinerary and travels to the same destination. The main perk of group travel insurance versus separate policies for each person is that it streamlines the purchasing process. You can buy one policy instead of multiple.

But to make it work, your group needs to be organized. This is especially true if group members intend to split the cost of the policy. It's crucial to communicate well with the people in your group and ensure everyone is on the same page. 

Coverage Options

Common coverage features.

Most group travel insurance policies offer comprehensive coverage, which usually covers common travel issues like cancellations and medical emergencies. 

Here's what comprehensive group travel insurance covers :

• Trip cancellation insurance: If you need to cancel your trip, this coverage reimburses you for the cost of travel. Each policy includes a list of cancellation reasons that are covered.
• Travel insurance for baggage: This covers the cost of stolen or missing luggage.
• Emergency medical evacuation insurance : Covers the cost of transportation from one location to another due to an emergency medical situation.
• Travel medical insurance: If you need medical care due to illness or injury while traveling, this part of the policy covers the cost. 
• Trip interruption travel insurance: If you have to cut your trip short due to an unforeseen emergency, this helps pay for travel plan changes. 
• Trip delay travel insurance: If there are delays to your flight or another aspect of your trip, this covers extra costs associated with the delay. It might include reimbursement for meals or hotel expenses. 

Additional coverage options

You can customize your travel insurance policy with coverage options at an additional premium. These add-ons can be helpful to provide adequate coverage for your group's specific needs. Some examples include:

• Adventure and sports coverage: For planned activities that involved increased risk (e.g., hiking, scuba diving, skiing, etc.) 
• Special events coverage: For cancellations, interruptions, or other losses that occur during planned events (e.g., weddings, corporate events, excursions, etc.)
• Equipment coverage: For damage, loss, or theft of equipment or gear brought on the trip (e.g., sports equipment, tech, etc.)
• Pre-existing condition waiver : For those with pre-existing conditions to receive travel medical coverage while traveling

Choosing the right group travel insurance

Assessing group needs.

Assessing your group's needs can help you choose the right group travel insurance. Some factors to consider include but aren't limited to the duration and destination of your trip, the type of travelers and their needs (including their ages and any pre-existing conditions), planned activities, and the group's budget.

Comparing insurance providers

Depending on the details of your trip, group travel insurance might be cheaper than purchasing individual policies for each traveler. But that is not always the case. As you shop for group travel insurance, there are steps you can take to ensure you get the best deal.

Get multiple quotes

It's smart to compare quotes from several providers. Multiple quotes allow you to compare coverage options and pricing. You can use a travel insurance comparison site like SquareMouth or TravelInsurance.com . Or you contact providers directly. Once you know the price range for protection, you can select the provider that seems like the best fit. 

The best time to buy travel insurance is right after you make your first trip deposit. Your policy kicks in right away, which is helpful if an event occurs that forces you to cancel your trip. Additionally, an early purchase can be necessary to qualify for certain riders, such as pre-existing condition coverage and CFAR travel insurance .

Application and enrollment process

You should be prepared to provide the following information about your group when fielding quotes from travel insurance companies. 

• Trip dates 
• Travelers' names and date of birth
• Destination 
• Initial trip deposit date 
• Cost of trip per traveler (prepaid and nonrefundable expenses)

Your insurance company may ask for additional information, such as pre-existing medical conditions and planned activities. 

Policy management and claims

The coverage you select applies to everyone in the group. Each group member can make individual claims, which is helpful if only one or two people need to make a claim. But if everyone is involved, the entire group can file claims. 

Special Considerations for Group Travel Insurance

Tailoring policies to group type.

It's important to tailor your insurance policy based on the type of group and the trip to ensure adequate protection. For example, if you're traveling with senior members, you want your policy's medical coverage to include pre-existing conditions. If your trip has physical or outdoor activities, adventure and sports coverage is additional protection worth considering. 

A travel insurance agent can help you identify which coverages are necessary for your group's trip and find a policy that works for your group's budget.

Handling diverse member needs

Handling the diverse needs of group members within a single policy requires careful attention to policy details, including coverage specifics and deductibles. Start by thoroughly reviewing the policy to understand the included coverages and associated deductibles. If certain coverages are unnecessary for your group, ask your insurer whether they can be removed to reduce costs. 

You may want to look for a policy with add-ons or customizable options. This allows you to tailor the coverage to meet the specific needs of different group members. Additionally, consider raising the deductible to lower the premium. However, ensure the deductible amount is affordable for all members in case a claim needs to be filed. This ensures your group has adequate protection while accommodating the diverse financial needs of the group.

Group travel insurance final recommendations and tips

Best practices for group leaders.

Before your trip, communicate insurance details like coverage inclusions, exclusions, deductibles, and how to file a claim with your group. It also helps to maintain policy documents in case an unexpected event arises. 

You and your group should also establish a contingency plan and save your insurance's emergency hotline contact number for medical emergencies, natural disasters, or other travel disruptions.

Resources for further information

For further information on group travel insurance, check out:

• Insurance companies' websites for information about coverage options, exclusions, and getting a quote. 
• Travel insurance comparison sites allow users to compare policies from multiple providers at once based on coverage, price, and other factors. Some examples of comparison websites include InsureMyTrip , Squaremouth, and VisitorsCoverage . 
• Travel agencies to help you book your trip and pick group travel insurance based on your itinerary. 
• Consumer review sites like Trustpilot and ConsumerAffairs to read first-hand testimonials by real users on their experience with a company. 

Group travel insurance FAQs

Group travel insurance typically requires a minimum of 10 travelers to qualify for group travel insurance, but this varies by provider.

Yes, many group travel insurance policies offer options for various activities specific to the group's needs and travel itinerary, such as adventure and sports, special events, and equipment coverage. 

Group travel insurance can be more cost-effective per person than individual policies, especially for larger groups. Compare quotes from various insurance providers to get the best deal on the coverages you need. 

If one member  of a group travel insurance plan has an issue, that member can file a claim with the travel insurance company individually. That's why it's important for every member to be familiar with the claims process in case an issue arises. 

A group leader should consider the group's specific needs, planned activities, destination-specific risks, and the group's budget when choosing a travel insurance policy. 

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Putin invites Xi to Moscow as Russia pursues alliance with China

Analysts say Chinese leader has leverage as Russian counterpart ‘has no one else to turn to’ amid Ukraine war

• Russia-Ukraine war – latest updates

Vladimir Putin invited his Chinese counterpart, Xi Jinping, on Friday to make a state visit to Russia next spring, as Moscow seeks to deepen its ties with China amid growing international isolation over the war in Ukraine.

Speaking to Xi via a videoconference, Putin said Russia’s ties with China are the “best in history”, expressing his wish to extend military collaboration and inviting Xi to visit Moscow.

Without mentioning the war in Ukraine , Putin said he shared the same views with Xi “in the face of unprecedented pressure and provocations from the west.”

“We are expecting you, dear Mr Chairman, dear friend, we are expecting you next spring on a state visit to Moscow,” Putin told Xi in an eight-minute introductory statement broadcast on state television.

Xi, in turn, said his country was ready “to increase strategic cooperation with Russia”, and continue to “be global partners for the benefit of the peoples of our countries and in the interests of stability around the world”.

The Chinese leader made no mention of a visit to Moscow, according to the official translation into Russian. Xi said that his country would maintain its “objective and fair” stance on the war in Ukraine.

The meeting was closely watched by analysts for any sign that China was re-evaluating its backing of Putin as Russia’s war falters.

Since the start of the invasion, Beijing has sought to balance its support for Moscow with the wish to avoid the indirect impact on its economy of sanctions levelled at Russia by the west.

While China has blamed the west for inflaming tensions in Ukraine, it has stopped short of supplying weapons to Moscow, while its companies have largely complied with the unprecedented western sanctions imposed on Russian business.

“Everyone wants to see if Xi is having buyer’s remorse about Putin,” said Alexander Gabuev, a senior fellow at the Carnegie Endowment for International Peace. “But today’s call indicates that Xi isn’t planning to throw Putin under the bus. The ties between the two countries will only grow next year,” Gabuev added.

Gabuev pointed to the steep rise in economic cooperation between the two countries since the war started, with China now accounting for more than a quarter of Russia’s total imports, according to the Washington-based Institute of International Finance .

Chinese customs data also shows that the two countries’ bilateral trade has increased by 32% in 2022, reaching a record $172.406bn between January and November of this year.

Chinese firms have eagerly filled the vacuum created by the exodus of hundreds of western companies that left Moscow in the days following the start of the invasion.

According to a recent report by the RBC business outlet , out of the 14 car brands still sold on the Russian market, the only foreign ones – 11 of them – are Chinese.

“Xi does not want to cross western red lines – weapon supplies to Russia and sanction evasion – but he is also aware that he has a lot of leverage over Moscow and can benefit from this crisis,” Gabuev said.

“The integration between the two countries will be happening in Chinese terms. Putin has no one else to turn to.”

Gabuev added that a state visit by Xi to Moscow next year would be seen as a major public show of solidarity from China.

The call between the two leaders came hours after Ukraine was once again attacked by Iranian-made “kamikaze” drones. The Ukrainian military said it had shot down all 16 drones, which it said were sent from the south-east and north.

“The enemy continues to launch massive air attacks on Ukraine’s capital city,” the Kyiv military administration said in a statement posted on the Telegram messaging platform.

Vitali Klitschko, the mayor of Kyiv, said that there were no casualties from the overnight strikes.

The latest drone attack comes at the end of a week in which Russian forces launched a series of deadly bombardments of the recently liberated city of Kherson.

Late on Thursday, the president, Volodymyr Zelenskiy, repeated his earlier warnings that Moscow could be planning to plunge Ukraine into darkness before the New Year’s Eve holiday.

“Perhaps the enemy will try once again to make us celebrate the new year in darkness,” he said in his overnight address.

Also on Friday, Belarus claimed Ukraine was trying to widen the conflict, after Minsk reported on Thursday that its air defence forces had shot down a Ukrainian S-300 surface-to-air missile near the village of Harbacha in the Brest region.

“Kyiv is striving to provoke a regional conflict by any means,” the Belarus security council secretary, Alexander Volfovich, told the Russian state-owned outlet Sputnik Belarus. “An example of this is the recent incident with the destruction of the Ukrainian S-300 missile. There is little reason to believe that it entered our airspace by accident. By all appearances, it seems some plan was being realised here.”

A Ukrainian military spokesperson said the incident was “the result of air defence”.

Thursday’s incident came amid fears in Kyiv that Moscow is pushing its closest ally to join a new ground offensive against Ukraine.

• Vladimir Putin

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