Getting A Family Travel Insurance For International Travel

Consider family travel insurance before your family vacation. Traveling with family increases the chance of becoming sick, hurt, or missing stuff. Thus, family travel insurance ensures a fun vacation.

Traveling abroad with your family is covered by family travel insurance. Family travel insurance usually covers one or two adults and up to eight children under 18, depending on the plan and provider. Only those residing at the same address can get family travel insurance.

Travel insurance normally covers the following family members:

• Parents
• Children
• Step-parents
• Adopted or foster children
• Grandparents
• Aunts and uncles

Best Travel Insurance Companies for Families

The best travel insurance for families covers a wide range of situations, i.e., medical emergencies, repatriation and evacuation, the cover of lost items, and global insurance covering you anywhere.

Some of the best companies that offer these kinds of comprehensive family travel insurance include:

• AXA
• IMG.
• Allianz

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Does Family Travel Insurance Cover Individuals?

If you have a family travel insurance coverage but want to go alone, your policy will most likely cover you. If you frequently travel without your family members, consider purchasing a travel policy that is designed to you specifically. Furthermore, you must carefully review the criteria to determine whether your insurance company provides individual coverage under the umbrella of a family package.

Family Travel Insurance Types

There are a few different types of family travel insurance you can choose, but commonly are categorized by the frequency of your travels:

• Single-trip family travel insurance: A single-trip insurance policy will protect you and your family for one holiday or trip— so after you return from your trip, your insurance policy is no longer valid.
• Annual trip family travel insurance: With a yearly insurance scheme, you and your family are covered for several trips. Consider purchasing annual coverage since it may be cheaper if you travel often. But, you must check the policy coverage to see if a yearly plan allows for individual travel.

You also have the option to decide where in the world you want coverage, i.e., do you want global coverage or exclude the US, Canada, and the Caribbean.

How Much Does Family Travel Insurance Cost?

Family travel insurance for a two-week trip costs $150–300, depending on the plan. Some agencies advise one-child parents to buy a couple plan and separate child insurance since it’s cheaper, but it costs $15 more over time. Look at numerous plans, compare their prices and coverage, and choose the best one for your family.

However, the price of your family travel insurance depends on:

• The longer you plan your holiday trip, the higher your insurance price.
• If you want to buy a more comprehensive plan, you’ll pay more for your insurance.
• If you plan to travel to several countries, including the US, you’ll pay more for your insurance.
• The number of people you include in your family travel plan increases the insurance price.
• The type of activities you plan on taking on while on your trip, i.e., if you include adventure sports, you’re liable to pay more for insurance.

What Does Travel Insurance for Families Cover?

Family travel insurance coverage depends on what plan you purchase, but it usually includes the following:

• Cancellation fees in case your trip is canceled.
• Coverage for lost, stolen, or damaged luggage.
• Medical costs in case you or your family members fall ill or get injured or repatriation.
• Certain sports activities if you are going to take part in adventure sports.
• Legal fees if you have to pay for an incident that wasn’t your fault.
• Make sure you read the fine print carefully and the benefits your plan offers before buying your insurance.

When Should I Take Out Family Travel Insurance?

You should purchase your family insurance immediately after you book your holiday. This way, if your trip is canceled, you’ll have coverage for the cancellation fees.

Does Family Travel Insurance Cover Death in the Family?

Your family travel insurance will cover the death of a family member if it directly affects your trip, i.e., you had to cancel, delay or return from your trip. However, you also have to make sure to check who exactly is defined as a family member in your insurance policy since some policies may not cover your in-laws.

What are the Benefits of Buying Family Travel Insurance?

If you and your family travel often, then having family travel insurance comes with several benefits, such as:

• Cost— having one insurance plan for the whole family can be cheaper than buying individual plans for every family member, especially if your insurance provider doesn’t charge for children under a certain age.
• Individual travel— you can purchase an insurance plan that allows you to travel without children during the year, saving on individual travel insurance plans.
• Security— when traveling with your family, you are traveling with your loved ones, and you want them to be safe. With family travel insurance, you can enjoy your holiday without worrying about unexpected situations.