Who is actually insured
Confirm the named insureds, eligibility rules, travel dates and whether late additions or substitutions are allowed.
Group certificate versus individual needs
A group product may not match every traveler’s medical history, trip cost or optional-benefit needs.
Who files a claim
Clarify whether the traveler, organizer, school, tour company or other administrator provides required documents.
Participant changes
Read rules for cancellations, replacements, roommate changes and changes in trip cost.