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Complete guide to obtaining travel insurance for traveling internationally with family

If you plan to take your family on holiday, consider purchasing family travel insurance. Traveling often comes with possible risks like getting sick, injured, or losing your items, and when combined with family members, that risk is multiplied. So, having family travel insurance will ensure you can enjoy your trip.

What Is Family Travel Insurance?

Family travel insurance is an insurance scheme that covers you and your family while traveling outside of your home country. Usually, a family travel insurance scheme covers one or two adults and children under 18— depending on the plan and your provider; you can include up to eight children. However, you must all be living at the same address to qualify for the family travel insurance package. 

You can usually include the following family members for family travel insurance: 

  • 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: 

Does Family Travel Insurance Cover Individuals? 

If you have a family travel insurance policy but want to travel independently, your policy will most likely cover you during the trip. However, if you often travel without your family members, consider buying a travel policy that is tailored to you individually. Plus, you have to make sure you check the guidelines carefully to see if your insurance provider offers 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will protect you and your family for one holiday or trip— so after you return from your trip, your insurance policy is no longer valid.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? 

The average cost of travel insurance for families for a two-week trip can go between $150 to $300, depending on what plan you decide to buy. Some agencies advise their clients who have one child to purchase a couple plan and separate child insurance because it’s cheaper, but, in the long run, there’s a $15 difference, on average. So, make sure to look at several different plans, look at their prices and coverage, compare them, and decide what suits your family the best. 

However, you have to keep in mind that the price of your family travels insurance changes depending on the following: 

  • 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. 
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