School trip insurance

Zurich Municipal offers comprehensive school trip insurance that provides important protection for schools and educational institutions. Meaning schools can confidently plan and execute various types of trips, ensuring the safety and well-being of students and staff.

Moreover, we also provide winter sports trip insurance for schools embarking on unforgettable skiing adventures. Our ski trip insurance offers comprehensive coverage for both students and staff, helping to provide peace of mind during these exhilarating winter journeys. Whether it's a cultural trip or a thrilling winter sports adventure, trust Zurich Municipal's school trip insurance to safeguard your school's invaluable assets and ensure a worry-free experience for everyone involved.

Key lines of cover included in Zurich school trip insurance:

• Personal Accident cover
• Overseas medical expenses
• Search and rescue expenses
• Personal property
• Personal money
• Electronic business equipment
• Cancellation, curtailment, rearrangement and replacement expenses
• Kidnap consultant’s costs
• Political and natural disaster
• Legal expenses
• Personal Liability cover

What is school trip insurance?

School trip insurance is designed specifically for schools and academies and covers you for group travel involving your students and staff. This type of insurance ensures that you’re covered in the unfortunate event that something goes wrong, providing you with the insurance cover to ensure you are reimbursed for expenses that are out of your control.

What does school trip insurance cover?

This type of insurance can provide cover for a range of potential risks and expenses that may occur during the trip. For example, this could include:

Personal accident cover

In the event a member of your group has an accident on the trip which results in bodily injury leading to death or disablement, you will be covered for up to £25,000 for each insured person (death reduced to £10,000 aged under 16). For any accidents that result in temporary total disablement from any occupation, the policy also includes a payment of up to £100 per week for up to 104 weeks.

Medical and associated expenses

If an insured person becomes ill or sustains bodily injury on a trip, we will provide Medical, Travel and Emergency Repatriation expenses up to £10,000,000. This includes Search and Rescue expenses up to £50,000 per insured person (£100,000 per any one event). We will also pay up to £25,000 per insured person for the reasonable costs of hospital in-patient medical charges within the 3 months immediately following the date of return to the UK.

Cancellation, curtailment, replacement and rearrangement cover

When your plans are disrupted by something unexpected, our school trips insurance will cover up to £3,000 for any journey which you are forced to cancel or rearrange, where the cause is outside the control of any insured person. In the event you need to replace a member of staff / adult helper during the trip, we will pay up to £2000 towards the cost of flights and other essential expenses incurred in sending a substitute.

Personal property and delayed baggage cover

Feel secure, knowing that in the event of your baggage or equipment being lost, damaged, stolen or destroyed – we have you covered. Sometimes delays cannot be avoided so if any baggage is lost for more than 12 hours you will be reimbursed towards the cost of emergency replacement clothing, toiletries, and similar items up to £125 per insured person. In the event of damage to personal property during the trip, we will pay up to £2,500 per insured person (subject to a single article limit of £500 and max payment of £750 for certain items detailed in the policy wording).

Why do I need school trip insurance?

You might think that travel insurance for school trips is unnecessary - but the truth is, it’s worth every penny. You never know when you may need to make a claim. Whether you’re planning a trip to a nearby farm or travelling abroad to give students a chance to put their language skills to the test, school trip insurance covers you for the unexpected. Most importantly of all, it helps to keep your students and accompanying adults safe.

How much does school trip insurance cost?

The cost of insurance for school trips can vary depending on various factors, including the number of children and adults involved in the trip, the destination, when you plan to travel and the type of activities planned. To find out how much it will cost your school, simply fill out an application today.