Compare family travel insurance with free coverage for kids

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Family Travel Insurance Finder

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

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.

Compare family travel insurance plans

Compare family travel insurance policies side by side in our table below and click Go to Site to get your quote.

Name Product Trip Cancellation Emergency Medical Expenses Baggage Coverage Trip Delay
Travelex Travel Basic
Essential travel coverage — with the option to customize — that can protect the cost of your trip.
Travelex Flight Insure
Protect the cost of your flight and choose the coverage amount that meets your needs — trip delay protection included.
RoamRight Essential Travel Insurance Plan
Basic policy with coverage that includes trip cancellation insurance, tourist health insurance and baggage insurance.
Travel Guard Silver
Budget-friendly coverage with basic travel protections that include trip cancellation and trip interruption.

Compare up to 4 providers

How to get travel insurance for the whole family

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.

Must read: What do travel insurers consider a family?

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

How to compare 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.

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

8 factors that determine how much you pay

The cost of family travel insurance is determined by a number of 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.

Must read: 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.

6 tips to get 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.
  • Compare online policy options. Shopping online is the easiest way to compare and find the most suitable and affordable travel insurance. Plus, it allows you the time and convenience to shop around for the best plans and discounts without rushing into a purchase.

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.


  • 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.


  • 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.

Bottom line

If you’re ready to take a domestic or international trip with your family, it’s worth reviewing the family travel coverage options available from different providers. When evaluating a policy, make sure you pay attention to the maximum benefits for the group, definitions of a dependent and exclusions. Get multiple quotes to ensure you’re getting the right coverage for the right price.

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