TGM Holidays School Trip Insurance

We provide comprehensive travel insurance designed specifically for school trips abroad, including winter sports coverage for ski trips. Our insurance policy ensures peace of mind for group leaders, students, and parents by covering essential travel risks.

We work with Howden UK Brokers Limited to offer a policy that meets the requirements of most Local Education Authorities (LEAs) and includes the following coverage:

Key Cover Benefits:

Trip Cancellation or Curtailment – Up to £2,000
Emergency Medical & Other Expenses – Up to £5,000,000
Personal Accident Benefits:
- Death Benefit (under 18s) – Up to £2,500
- Death Benefit (19-64 years) – Up to £5,000
- Permanent Total Disablement (under 18s) – Up to £15,000
- Permanent Total Disablement (19-64 years) – Up to £30,000
Missed Departure – Up to £500
Piste Closure (Ski Trips) – Up to £200
Baggage (including valuables) – Up to £800
Single Article Limit – Up to £200
Group Equipment Cover – Up to £750
Ski Equipment (Own Equipment) – Up to £750
Ski Equipment (Hired Equipment) – Up to £250
Ski Pack (Lost Ski Pass) – Up to £150
Personal Money & Documents – Up to £500
Passport Replacement – Up to £200
Personal Liability – Up to £2,000,000

Important Policy Information

It is essential to read the full insurance policy and statement of insurance before booking to ensure you understand the cover provided.

Pre-Existing Medical Conditions

Travellers must declare any pre-existing medical conditions before purchasing the policy.
Certain medical conditions may not be covered.
Failure to disclose a pre-existing condition may invalidate the policy.
Full details are available in our Pre-Existing Medical Conditions Guide.

How to Make a Claim

For medical emergencies, call +44 (0)1243 621058 (24/7 service). For other claims, call +44 (0)1202 038 946. Claims must be made within 31 days of the incident.

Global Health Insurance Card (GHIC)

We highly recommend all travellers obtain a GHIC card before travelling. While this may provide access to state healthcare in certain European countries, it does not replace travel insurance, which covers additional costs, including repatriation.

Financial Security & Alternative Insurance Options

TGM Holidays is committed to providing financial protection. Our tours are fully financial protected via our membership of The Travel Trust Association, offering clients 100% Financial protection ensuring security against unforeseen events.

If you choose to arrange your own travel insurance, it must meet the same coverage levels as our policy, including winter sports cover for ski trips.

Download Policy Documents

A full copy of the insurance policy, statement of insurance, and FAQs are available below:

Insurance Policy Document
Statement of Insurance – Education Trips
Statement of Insurance – Winter Sports Trips
Pre-Existing Medical Conditions Guide
Frequently Asked Questions (FAQ) Document

For any insurance-related inquiries, please contact TGM Holidays directly to book.