Compare family travel insurance with free coverage for kids

Family travel insurance

Traveling with your partner or family? Save with free child coverage

Traveling with family is something that many Americans do every year, with some traveling on a fun or relaxing family vacation and others looking to get their adrenaline kicks by hitting the slopes or surfing. Taking a trip with your family can be a wonderful experience, to spend quality time with your loved ones in new surroundings.

Cover the whole family

Make sure your vacation runs smoothly in case. One way to do that is by thinking ahead and taking out a family travel insurance plan. This type of coverage offers a range of protection and benefits that can offer peace of mind and protection for each member of the family under a single policy. By purchasing coverage for multiple family members, you can also enjoy excellent premium discounts.

Steps to get combined coverage

Simply enter your family and trip details into our form below and compare family insurance policies. Once you’ve found a policy that’s suitable, go to the providers website and apply.

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Travelex Travel Select

Travelex Select travel insurance

Travelex's family friendly plan with free cover for children under 21. Optional adventurer pack cover for a range of activities such as mountain climbing or parasailing.

  • 24 Hour AD&D benefit included.
  • Trip cancellation when delayed for 50% or more of the trip.
  • Transportation pack upgrade provides rental car insurance coverage.
  • Kids under 21 covered at no additional cost.

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    Compare insurance policies that can cover the whole family

    Details Features
    Seven Corners Trip Protection Insurance
    Seven Corners Trip Protection Insurance
    Travel with a smile - protect your trip cost, your medical expenses, & your belongings.
    • Emergency Accident & Sickness Medical Expenses up to $250,000
    • Trip Cancellation – 100% of Trip Cost
    • Trip Interruption – up to 150% of Trip Cost
    • Political Evacuation - $20,000
    • Lost, Stolen or Damaged Baggage – up to $2,500
    • Emergency Medical Evacuation – up to $1 million
    Go to site More info
    Travelex Travel Max
    Travelex Travel Max
    TravelEx's most comprehensive protection plan for the comprehensive traveler. Offers optional Cancel For Any Reason upgrade.
    • Trip Cancellation - 100% of Insured Trip Cost
    • Trip Interruption - 150% of Insured Trip Cost
    • Trip Delay - $1000
    • Medical Expense Benefits - $100,000
    Go to site More info
    RoamRight Travel Insurance Essential
    RoamRight Travel Insurance Essential
    RoamRight’s Essential travel insurance package can be broken down into three critical parts: Trip Cancellation insurance, tourist health insurance, and baggage insurance.
    • Cancellation Cover - 100% Cost of Trip
    • Emergency Medical Expenses - $15,000
    • Emergency Evacuation and Repatriation - $150,000
    • Baggage and Personal Effects Cover - $750
    Go to site More info
    STA Travel Standard International
    STA Travel Standard International
    Get affordable cover for the essentials of options with STA's mid-level cover policy. This option will still provide up to $1500 in luggage cover and up to $100,000 in medical cover.
    • Trip Cancellation Cover - 100% of trip cost insured up to $10,000
    • Emergency Medical Expenses Cover - Up to $100,000
    • Baggage and Personal Effects - Up to $1,500
    • Trip Delay - Up to $500
    Go to site More info
    RoamRight Travel Insurance Preferred
    RoamRight Travel Insurance Preferred
    As the name implies, the Preferred package provides coverage for most trips and vacations.
    • Cancellation Cover - 100% Cost of Trip
    • Emergency Accident & Medical Expenses - $50,000
    • Emergency Evacuation and Repatriation - $500,000
    • Accidental Death and Dismemberment - $10,000
    Go to site More info
    Travelex Cancel for Any Reason
    Travelex Cancel for Any Reason
    Cancel For Any reason upgrade available with the Travel Max plan. Cancel for any reason - no questions asked.
    • Reimburses up to 75% of the insured trip cost
    • 100% cover if delayed to departure and loose at least 30%
    Go to site More info
    Atlas Travel
    Atlas Travel
    Provides customizable coverage for specific losses. Cover can be tailored to provide a balance between the basic essentials and premium cover.
    • Illness and Injury Cover - Up to $1 million
    • Emergency Medical Evacuation - Up to $1 million
    • Lost Checked Luggage - Up to $500
    • Travel Delay - $100/day up to 2 days
    Go to site More info
    Atlas Premium
    Atlas Premium
    Provides quality cover for a range of benefits with higher cover limits. Premium plan is perfect for travellers with health concerns looking for total protective cover.
    • Illness and Injury Cover - Up to $2 million
    • Emergency Medical Evacuation - Up to $1 million
    • Lost Checked Luggage - Up to $1,000
    • Travel Delay - $200/day up to 2 days
    Go to site More info
    Travelex Flight Insure Plus
    Travelex Flight Insure Plus
    Provides option to choose between different levels of flight insurance protection.
    • Flight Accident AD&D - Up to $1 Million
    • Baggage - $2,000
    • Medical Expense Benefits - $2,500
    • Medical Evacuation / Repatriation - $25,000
    Go to site More info
    STA Travel Explorer Plus
    STA Travel Explorer Plus
    Get premiere cover for a whole range of options with STA's premium policy. This option will still provide up to $100,000 in medical expense cover and up to $3,000 in cancellation cover.
    • Trip Cancellation Cover - $3,000
    • Emergency Medical Expenses Cover - Up to $100,000
    • Baggage and Personal Effects - Up to $2,500
    • Trip Delay - Up to $1,000
    Go to site More info
    Allianz Domestic Travel Insurance
    Allianz Domestic Travel Insurance
    Allianz Domestic Travel Insurance makes sure you are covered incase your planned trip unexpectedly goes awry.
    • Trip coverage - Depends on plan
    • Baggage coverage - Up to $1,000
    • 24-hour hotline assistance
    • Existing medical coverage - Up to $500,000
    Go to site More info
    Allianz International Travel Insurance
    Allianz International Travel Insurance
    If you frequently travel abroad and want extra coverage in case you get sick, injured, or need to cancel your trip, Allianz International Travel Insurance is the perfect solution.
    • Trip coverage - Depends on plan
    • Baggage coverage - Up to $1,000
    • 24-hour hotline assistance
    • Existing medical coverage - Up to $1,000,000
    Go to site More info

    Family friendly features of travel insurance

    There are lots of benefits for including your whole family on one plan such as:

    1. The same level of travel insurance protection as individual plans

    Emergency assistance is important when disaster strikes while you’re on vacation. This coverage will include events like:

    • Delays and cancellations.
    • Medical emergencies.
    • Loss, damage or theft of belongings.
    • Other issues that may ruin your travel experience.

    2. Free coverage for children

    Most insurers will allow a spouse and dependant children under 21 to be included in one policy. The majority of insurer’s will also allow your dependant children to be covered for free.

    3. Convenience of one policy

    It is not only much more affordable, but also more convenient to take out a group family policy rather as you can:

    • Spend less time on insurance. Purchasing a family policy can be done with one application, leaving you more time to prepare for your trip.
    • Better understand your benefits. Having one certificate insurance will help keep things simple in the case of an unexpected loss and allow you to find how much coverage you and your dependents can receive.
    • Central contact point. For claims and assistance you have one central contact point rather than having to rifle through loads of paperwork to find the insurance details for the family member who has been affected.

    What do travel insurers consider a family?

    Family is generally recognized as you the policyholder, a legally recognized spouse and your dependents.

    Does family travel insurance cover me for snow sports?

    While travel insurance doesn’t always automatically cover snow sport activities, policies will allow you to add them as extras for your family the same way as individual cover.

    Different benefit limits to individual cover

    The main difference is a greater total benefit limit. An individual policy may provide $2,000 of ski equipment benefits whereas cover for your family may provide up to $4,000 for ski equipment cover.

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    What to remember before you buy family travel insurance

    • Understand the definition of family. Family is generally recognized as you, the policyholder, your legal spouse and your dependents. You’ll need to check with each individual provider how many people they include as part of their family travel insurance plan. Some insurers will only cover two children requiring additional children to be add at an extra cost.
    • Understand the definition of dependent. It’s important to understand how your insurer will classify dependent children on your policy. Generally, a dependent is a child or grandchild under the age of 21 that’s traveling with you on the journey.
    • Those covered must travel with the policyholder. You need to be traveling together in order to be covered. For example, if your children leaves few days to visit some neighboring cities, they would not be covered under the policy.
    • Understand benefit limits. Each policy will have benefit limits for each feature. In cases like personal items, the benefit limit will include all items being claimed as lost or stolen. However, coverage like travel delay, there’s sometimes a separate benefit limit for each person on the plan.

    Promoted
    Travelex Travel Max

    Travelex travel insurance policies

    Looking for a travel insurance policy that covers just about any vacation? With reasonable rates, Travelex could help.

    • Choose from 10 flexible policies that protect you from risks at home and abroad.
    • Comprehensive plans can cover trip cancellations, interruptions and delays.
    • Options available to cover accidents, sickness and medical evacuation when flying.
    • Protect your car rental for the duration of your trip.

      What family travel insurance plan should I choose?

      The family travel insurance plan that you choose will depend on a number of factors such as your family situation, your travel plans, how often you travel, your budget and any special requirements of the members of your family.

      Single vs. annual family travel insurance

      • Single trip. If your family travels once or twice a year, a single trip plan is the best bet.
      • Annual multi trip. This is for jet-set families that plan on taking more than two trips throughout a 12-month period. This usually covers you for trips from 30 to 75 days for each trip. There is not a maximum number of trips you can take.

      Comprehensive vs. basic coverage

      The level of coverage varies depending on the type of plan you choose. Comprehensive coverage covers more, but you’ll pay more. Basic coverage will cost less, and offer less coverage. Consider your needs when deciding on the level of coverage and how much you spend.

      Assess your budget

      The cost of family travel insurance coverage can vary based on the level of coverage and the provider. Make sure you look at your budget to see what kind of coverage you can afford.

      More on annual policies

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      Eight factors that determine how much you pay

      The cost of family travel insurance is determined by a number of different factors, including:

      • The level of coverage. The range and amount of benefits and cover that will be paid for each loss.
      • The number of family members. That is, who needs to be covered under the plan. Some may provide coverage at no extra cost.
      • Additional cover options. This includes extra coverage for high value items.
      • Duration of your trip. The length of time you’ll be traveling.
      • Trip frequency. Whether you choose single or multi-trip coverage.
      • The travel insurance provider. Insurance providers vary on the amount and cost of their coverage.
      • The destination. Where you’re traveling to.
      • The health and ages of your family members. Who’s covered under the policy.

      Pre-existing medical conditions

      If you or a family member has a pre-existing condition and becomes ill as result, your insurance company won’t cover medical costs unless you’ve notified them when you’ve applied. Most will require you to sign a waiver.

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      5 tips for finding cheap family travel insurance

      In order to Find the best travel insurance for you and your family without breaking your budget, it’s best to compare plans and providers. Here are some other tips to find the right coverage.

      • Look for complimentary family coverage. Find policies that automatically cover families.
      • Compare policy options. Compare from a range of different providers and policies.
      • Look out for exclusive deals. Search for offers to save on premiums and receive other great bonuses.
      • Consider different types of coverage. A basic or essentials plan may still provide adequate coverage rather than a comprehensive option. It’s also worth considering a multi-trip option if you’re a frequent traveler.
      • Avoid going through a travel agent or airline. Not only will you be restricted in your options, but you’ll pay more for commission.

      Why comparing online makes more sense

      The easiest way to compare and find the most suitable and affordable travel insurance is to go online for various reasons:

      A variety of providers and coverage levels. Many online providers offer family plans that will cover different family sizes and needs.

      Access clear and useful information. Compare benefits and the limitations of a specific policy. Read through the terms and conditions of policy options.

      Compare at your convenience. Browse plans from the comfort of your own home, without making calls at times during office hours. Take your time to read through the terms and conditions of policy options and avoid rushing your purchase.

      Save time. Once you’ve compared, most insurers allow you to purchased your coverage securely online in as little as 10 minutes.


      What does family insurance cover?

      Family travel insurance plans offer the same coverage and benefits as standard travel insurance plans. The difference is that the protection and benefits apply to the whole family rather than just to a single person or a couple. The situations that’s be covered with standard family travel insurance cover include:

      • Medical expenses. In the case that you’re sick or injured during a trip, emergency room, medicine, hospital stays and transportation are often covered. The amount of coverage depends on the level plan you choose. Coverage for pre-existing medical conditions is generally not included without a waiver.
      • Emergency dental care. Coverage for a dental emergency while you’re away.
      • Luggage and personal belongings. If you lose or damage your luggage, personal items or credit cards, you’ll be able to recoup some of the cost for the replacement.
      • Personal liability. If you injure someone or cause damage to their property while you’re away you’ll be covered under standard travel insurance.
      • Accidental death or disability. You should be covered in the event of accidental death or disability while you are traveling.
      • Deductible on a rental vehicle. if you rent a car on your trip and it’s stolen or damaged, you’ll be covered by the rental car insurance. But this often comes with a deductible. Rental insurance will cover your deductible.
      • Company/airline insolvency. If you paid upfront for your family vacation and your hotel or airline goes out of business, you could lose a lot more than just your vacation. With family travel insurance, you’re covered for any prepaid expenses for all family members on the plan.
      • Delays and cancellation. If your flight is delayed or cancelled for more than six hours, most companies will reimburse you for food, transportation and hotel stays.
      • Family emergency. In the event that a member of the family becomes seriously ill, disabled or dies unexpectedly, the insurer will pay the additional cost of the policyholder or another member of the family to return home.

      What about the extras?

      In addition to the built-in benefits of your family travel insurance policy, check out the additional coverage options.

      • Deductible removal. Many providers will allow you to pay an additional fee to remove deductible from your policy
      • Coverage for winter sports. Take out additional coverage for winter-sport related activities.
      • Extra cover for high value items. If anyone is traveling with items of high value, take out extra coverage to protect them if they are lost or stolen.

      Pros and cons of family travel insurance

      Be aware of the benefits and drawbacks of taking out family travel insurance.

      Pros

      • More affordable than purchasing separate policies for each family member.
      • More convenient with only one policy certificate.
      • Each family member can receive the same level of coverage.
      • Only one insurer to contact and keep track of in the event of a claim.

      Cons

      • Limit on maximum benefit for losses.
      • If a family member has pre-existing medical conditions, they may have to take out a separate policy.
      • Restrictions on who can be recognized as a dependent or spouse.
      • Exclusions for different events and activities.

      I’m ready to compare family travel insurance

      If you’re ready to take a domestic or international trip with your family, it’s worth reviewing the family coverage options available from different providers. When evaluating a policy, make sure you pay attention to:

      • Maximum cover benefits for the group.
      • Definitions of a dependent.
      • Restrictions around whether dependents must accompany policyholder at all stages to be covered.

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