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Best Family Travel Insurance

Carissa Rawson

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

Travel insurance company factors we considered

An overview of the best travel insurance for families, top options for travel insurance for a family, additional resources for family travel insurance shoppers.

Even the best-laid plans can sometimes go awry. This possibility doubles (or even triples) when traveling with a family, which can mean that purchasing family travel insurance may make sense for you.

This type of insurance will cover you and your loved ones if you miss your flight, your partner gets food poisoning, your children’s bags are lost and more. Here are the best family travel insurance plans and the factors we considered, and tips on choosing the best plan for you.

» Learn more: The best travel credit cards right now

We used the following criteria when choosing which travel insurance companies are best:

Cost . Cost can play a huge factor in choosing a travel insurance plan, especially when you’re traveling with multiple people. We compared costs for basic policies to choose the most affordable options. 

Types of coverage . There is a wide variety of coverage options for insurance , including medical coverage and trip protection benefits. We chose those with the widest range of inclusions. 

Coverage amounts . Many policies offer a variable level of coverage; more expensive policies can include higher policy limits, though this isn’t always the case. 

Customizability . Different travelers have different types of needs, which means that we focused on policies that offer customizability as part of their benefits. 

» Learn more: What does travel insurance cover?

To determine the best travel insurance for a family, we compared the price and benefits across multiple insurance companies for a sample trip taken by a family of three from New Hampshire — a 39-year-old father, 33-year-old mother and 3-year-old child. They are traveling to Germany during the winter and estimate a total trip cost of $12,000.

Overall, the average cost of a plan came out to $257.78, though one plan priced out far below the rest.

Here's a closer look at our top five recommendations for travel insurance for families.

Allianz Travel

family travel insurance different address

What makes Allianz travel insurance great for families:

Family travel medical insurance that includes coverage for pre-existing conditions. 

Customizability includes rental car insurance and Cancel For Any Reason (CFAR) insurance. 

Provides up to $1,000 per person for lost baggage. 

Here’s a snippet from our Allianz Travel insurance review:

“OneTrip Prime provides all the benefits of the Basic plan but with higher limits, a few extra coverage areas and complimentary coverage for children 17 and under when traveling with a parent or grandparent.”

The complimentary coverage is useful, especially for families with multiple kids.

» Learn more: Trip cancellation insurance explained

World Nomads

family travel insurance different address

What makes World Nomads great for families:

Lower-than-average cost. 

Includes adventure sports and activities.

Provides $25,000 non-medical emergency transportation. 

World Nomads is a great fit for particularly adventurous families, as its plans include coverage for over 200 activities. So if you're taking the kids skiing this winter or are planning to backpack the Colorado Trail next summer, this might be a good choice.

» Learn more: Does travel insurance cover award flights?

family travel insurance different address

What makes AXA great for families:

Covers 100% of trip cost for interruption or cancellation for covered reasons. 

Provides $100 per person, per day for trip delay.

Includes $100 in coverage for airline reissue or cancellation fees. 

Having kids invites a lot of unpredictability for trip planning. Will your oldest bring home a virus from day care? Will your baby suddenly enter a difficult sleep regression that renders you exhausted? Having 100% coverage for trip cancellation can bring families peace of mind when putting big trip deposits down.

family travel insurance different address

What makes IMG great for families:

Hundreds of dollars cheaper than the other options. 

$0 deductible for medical insurance. 

Up to $5,000 for trip interruption. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

family travel insurance different address

What makes Tin Leg great:

Lower-than-average cost.

150% reimbursed for trip interruption. 

Customizability, including coverage for pre-existing conditions. 

We like Tin Leg for its affordability. You can pocket the saved cash for more ice cream stops on your trip.

Interested in learning more about travel insurance, including annual family travel insurance and methods to make travel insurance less expensive? Start here.

How to find the right travel insurance for you

How annual or multi-trip travel insurance works

Do you need travel insurance in 2023?

10 credit cards that provide travel insurance

If you’re traveling with family and would like to make sure they’re insured, you can choose to include them in your insurance plan. Most companies will allow you to select the number of travelers in your group when generating a quote.

The definition for immediate family is going to vary based on your insurance provider. Generally speaking, you can expect that your spouse, children, parents, grandparents, in-laws, aunts and uncles all count as immediate family.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee:   Bank of America® Travel Rewards credit card

Flat-rate travel rewards:  Capital One Venture Rewards Credit Card  

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

family travel insurance different address

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The 5 Best Family Travel Insurance Plans

family travel insurance different address

Travelex Insurance Services »

family travel insurance different address

Allianz Travel Insurance »

family travel insurance different address

Seven Corners »

family travel insurance different address

World Nomads Travel Insurance »

family travel insurance different address

AIG Travel Guard »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Family Travel Insurance Plans.

Table of Contents

  • Rating Details
  • Travelex Insurance Services
  • Allianz Travel Insurance

The best travel insurance plans can provide you with considerable peace of mind, but the real value comes into play when you wind up using your coverage. Hassles like flight delays, lost luggage and unexpected injuries can be stressful and traumatic, yet travel insurance can reimburse you for the financial costs associated with these mishaps.

If you are planning to travel with your entire family in tow, you already know that the stakes are higher and the potential for losses even greater. For example, you'll want to make sure children traveling with you have travel medical insurance as well as coverage for trip cancellations and interruptions.

You'll need to compare the best family travel insurance plans of 2023 if you want to find the right one for you and ensure each of your dependents is covered by your policy. U.S. News has compiled this guide to the best of the best when it comes to companies offering family travel insurance, since these top picks make it easy and affordable to add children to your plan.

  • Seven Corners
  • World Nomads Travel Insurance
  • AIG Travel Guard

Best Family Travel Insurance Plans in Detail

Travel Select plan offers complimentary coverage for children 17 and younger

Primary coverage with no deductibles

Travel Select only includes up to $50,000 in protection for emergency medical expenses (optional upgrade available)

Meager policy limits ($200) for delayed baggage and sporting equipment

  • Trip cancellation protection worth up to 100% of prepaid travel expenses (up to $50,000)
  • Trip interruption coverage worth up to 150% (up to $75,000)
  • Up to $2,000 ($250 per day) in coverage for trip delays
  • $750 for missed connections
  • $50,000 for emergency medical and dental expenses
  • $500,000 in coverage for emergency medical evacuation and repatriation of remains
  • $1,000 in insurance for baggage and personal effects

Single-trip travel insurance plans include free coverage for children ages 17 and younger

Allianz offers annual travel insurance plans for families

Not all plans cover kids for free

Get coverage for up to 10 people in a single policy

Generous policy limits for emergency medical expenses and evacuation

Kids aren't covered for free

Emergency dental coverage is capped at $750

  • Trip cancellation coverage worth up to 100% of prepaid trip costs
  • Trip interruption coverage up to 150%
  • Trip delay coverage up to $2,000 ($250 per day)
  • Up to $1,500 in protection for missed tours or cruise connections ($250 per day)
  • Up to $500,000 in coverage for emergency medical expenses
  • Up to $1 million in protection for emergency evacuation

Includes coverage for up to seven children on a single policy

Provides coverage for more than 200 adventure activities and sports

No free travel coverage for kids with paid adults

No option to customize coverage with CFAR protection

  • Up to $100,000 in emergency medical insurance
  • $500,000 in coverage for emergency medical evacuation
  • $3,000 in insurance for lost baggage and belongings
  • $10,000 in insurance for trip cancellation

Free coverage for one child 17 or younger with each paying adult relative on the plan

Choose from three tiers of travel protection based on your needs

Travel medical expense coverage is low ($15,000) with Essential plan

Essential plan also has low limits for baggage delays ($200) and lost or stolen luggage ($750)

  • Up to 100% in coverage for trip cancellation
  • 150% in coverage for trip interruption
  • $1,000 in baggage insurance
  • $300 in protection for baggage delays
  • $50,000 in insurance for emergency medical expenses
  • $500,000 in protection for medical evacuation

Family Travel Insurance: Coverages You'll Need

As you compare the best travel insurance plans for families, you might be wondering which types of coverage are most important. Ultimately, that depends on the cost of your trip, where you're traveling and the travel issues you worry about the most.

Frequent traveler Linda L. Adkins of Spokane, Washington, says she purchases travel insurance for every trip since her U.S.-based health insurance policy doesn't apply when her family travels overseas. She worries not only about emergency medical expenses that could come into play, but also about the high costs of medical evacuation if a family member needs to be transported a long distance or even back to the U.S.

Adkins has also endured scenarios where her luggage was temporarily lost by an airline while traveling internationally, and she says her delayed baggage benefit was useful when it came to purchasing clothing and toiletries. "I spent almost $100 per day for three days in a row while we waited for our bags," she says.

Adkins saved her receipts and received reimbursement through her travel insurance provider's baggage delay benefit.

U.S. News recommends having the following types of coverage (at a minimum) in place for every trip with kids:

  • $50,000-plus in primary insurance per traveler for emergency medical expenses
  • Coverage for COVID-19
  • $100,000-plus in coverage for emergency medical evacuation
  • Adequate protection for trip delays and lost or delayed baggage

Frequently Asked Questions

Credit card travel insurance can provide coverage for families, although the types and amounts of protection you receive can be limited. As an example, the Chase Sapphire Reserve credit card comes with trip cancellation coverage for up to $10,000 per person and up to $20,000 per covered trip, as well as lost luggage reimbursement worth up to $3,000 per passenger if the cardholder or an immediate family member has their luggage lost by a common carrier.

Fine print with the card also states that trip delay coverage can apply if common carrier travel gets delayed by more than six hours or requires an overnight stay, and that both the cardholder and their family members can be reimbursed up to $500 per ticket for incidental travel expenses including meals and lodging.

For credit card travel insurance to apply, the cardholder needs to pay for common carrier travel for all of their family members with the credit card in question. In other words, simply carrying a travel credit card with travel insurance benefits won't be enough.

Travel insurance plans are built to cover every person listed on the application for coverage. This means you can apply for travel insurance as an individual or as a family who wants all members covered under a single plan.

That said, some travel insurance plans are superior for families since they offer free coverage for dependents. Others offer comprehensive travel insurance policies that provide broad coverage for groups up to 10 people.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

You might also be interested in:

family travel insurance different address

The Best Travel Medical Insurance of 2024

Holly Johnson

Explore protection options for unexpected health issues abroad.

family travel insurance different address

Flight Insurance: The 4 Best Options for 2023

Protect your flight (and peace of mind) with the top coverage plans.

family travel insurance different address

Cruise Insurance: Why You Need It + 4 Best Options for 2024

Protect your cruise journey from start to finish (and ports along the way).

family travel insurance different address

The 5 Best International Travel Insurance Companies for 2024

Find the best international travel insurance coverage for all your trips abroad.

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These are the 4 best family travel insurance plans

Find coverage that fits your family's travel plans with these four companies..

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Family vacations are a special time, and ensuring they go smoothly is essential to making memories that will last forever. Travel insurance is one way to ensure that any bumps in the road can be smoothed over, from a lost bag to an injury abroad.

CNBC Select reviews the best travel insurance plans for families based on coverage, cost and plan variety. (See our methodology for more information on how we choose the best family travel insurance companies.)

Best family travel insurance  

  • Best for families with young children : Allianz   
  • Best for affordability : Faye   
  • Best for CFAR coverage : Travel Insured International  
  • Best for cruises : Berkshire Hathaway Travel Protection  

Best for families with young children 

Allianz travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

24/7 assistance available

  • Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
  • Limited coverage for risky sports

Who's this for? Allianz is great for families with young children as its OneTrip Prime travel insurance policy offers free coverage for children ages 17 or under when traveling with a parent or grandparent. Though this benefit isn't available to Pennsylvania residents, it could help families with younger children lower the cost of their travel insurance coverage.  

Standout benefits:  Allianz's cancel for any reason (CFAR) coverage has an enhanced version available that can cover up to 80% of trip expenses if you have to cancel for a reason that's not covered.  

[ Jump to more details ]  

Best for affordability 

Faye travel insurance.

Faye offers travel insurance with a convenient online buying experience and an app with real-time travel alerts. It's one simple plan includes coverage for common issues, like trip cancellation, emergency medical expenses and trip delay coverage. It also offers coverage for pre-existing medical conditions when plans are purchased within 14 days of an initial trip deposit.

  • Covers Covid like any other medical condition
  • CFAR is available for up to 75% of trip costs for an additional cost.
  • Additional coverage options like vacation rental damage coverage and pet care coverage.
  • Not all benefits are available in all states.

Who's this for?  Faye travel insurance stands out for families on a budget. Its policies start at just $4.64 per day (for 14 days) for domestic trips and $5.16 per day (for 14 days) for international trips. It's also great for those who want a completely digital experience and would rather manage a policy through an app than an agent or by phone.

Standout benefits:  Faye's intuitive interface makes it easy to get travel insurance coverage on your own time, and quotes are available entirely online. On top of the standard trip delay, cancellation and interruption coverage, you can purchase CFAR coverage, coverage for adventure and sports activities and a pet care add-on, which can cover illness or injury for your pet when traveling with you, or extra kenneling costs if your trip is delayed if you leave your pet at home.  

Best for CFAR coverage 

Travel insured international travel insurance.

Travel Insured International has two simple travel insurance plans — the Worldwide Trip Protector and Worldwide Trip Protector Gold. Its plans are affordable and offer the option of cancel for any reason (CFAR) coverage.

  • Optional CFAR coverage and interruption for any reason coverage
  • Medical coverage can be lower than other options

Who's this for?  Travel Insured International could be a great fit for families looking for the flexibility of a CFAR addition to ensure they'll be covered for any reason they need to cancel. The company's wide variety of reasons for cancellation includes coverage for school year extensions with all plans.  

Standout benefits:  Travel Insured International's Worldwide Trip Protector can cover all children 17 and under for free when traveling with related adults.  

Best for cruises  

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

  • Wide variety of policies available
  • Strong financial strength rating by AM Best
  • Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Who's this for?  Berkshire Hathaway Travel Protection offers cruise-specific packages for families setting sail on a cruise.  

Standout benefits:  Cruise plans include coverage for missed connections and unique challenges you could face on a cruise vacation, like cruise disablement and diversion. 

More on our top family travel insurance companies 

Allianz offers 10 different travel insurance policies for travelers and trips of all types, including single-trip and multi-trip coverage. It also offers quotes and claims online, making the experience simple.  

CFAR coverage available?  

Yes, up to 80% of prepaid, non-refundable trip costs 

24/7 assistance?  

[ Return to summary ]  

While relatively new to the space, Faye's travel insurance plans combine affordability and easy access. Policies are backed by the United States Fire Insurance Company.  

Yes, up to 75% of prepaid, non-refundable trip costs 

Travel Insured International 

Travel Insured International has been offering travel insurance for over 25 years. It has two tiers of coverage (available in most states) that can help you meet all your travel protection needs.  

Berkshire Hathaway Travel Protection 

Berkshire Hathaway Travel Protection offers several tiers of travel protection and insurance, including packages specifically designed for road trips and cruises. Its strong A++ financial strength rating also helps it stand out against the competition.  

Up to 50%, only available on LuxuryCare packages 

Does travel insurance cover family members?  

Generally, you can insure your whole family on one travel insurance plan, so you won't have to buy separate plans for every traveler. Your travel insurance plan will cover every person listed on the policy.  

Does travel insurance cover cancellation due to a death in the family? 

In many cases, travel insurance can help you recoup the cost of your vacation if you have to cancel due to a death in your family. However, you'll want to carefully read your policy's definition of a family member, as not everyone in your life could be included.  

Bottom line

A family vacation can be a big investment, so it's important to protect yourself in case anything goes awry. Having a travel insurance plan that's easy to access, provides 24/7 support and fits your specific travel concerns and budget can help ensure your trip will go smoothly.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select? 

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. To research the best travel insurance companies, we compiled over 100 data points on more than a dozen travel insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel insurance companies. 

Our methodology  

To determine the best travel insurance companies, CNBC Select analyzed dozens of travel insurance companies and compared them based on various factors. 

While narrowing down the best travel insurance companies, we focused on the number of plans available, the availability of 24/7 assistance to access while traveling, coverage for Covid-19, the availability of cancel for any reason coverage, and financial strength (which measures a company's ability to pay on contracts) using A.M. Best ratings. We also considered family-friendly features, such as the inclusion of children on policies for free with parent's coverage, and reasons for cancellation, including school year extension as a reason for cancellation.  

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.  

Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.  

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  • Travel Insurance

Family Travel Insurance

Make lifelong memories with your loved ones in exciting new places.

Wherever your family adventure takes you, make sure you pack the right travel cover.

Holidaymakers can understandably get confused as to whether they need family cover or whether they'd be better off with an individual policy for each person travelling.

As always, the right option depends on several factors, such as:

  • The size of your group
  • Who's travelling with you
  • If anyone has a pre-existing condition

It's worth taking some time to read up on and compare cover to make sure you get the best family travel insurance for your needs.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

  • you were diagnosed with Covid-19 before your trip was due to start
  • a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
  • you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
  • an insured person or a close relative died during the trip because of Covid-19
  • you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

  • you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
  • any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
  • you have to quarantine after arriving in the UK or abroad
  • the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

What is Family Travel Insurance?

A family travel policy covers people from the same family who live at the same address, such as:

  • Step-parents
  • Grandparents
  • Aunts and uncles

You can have up to a maximum of two adults and five children on a family policy. You don’t need to have the same surname, but the adults need to live at the same address to be on the same policy (the children don't have to live with the adults to be on the same policy).

Admiral's Family Travel Insurance is available as single trip travel insurance , which covers you for one trip away from home for up to 365 days, or, if your family goes on several holidays a year, annual travel insurance .

Kids travel insurance

Separate children's holiday insurance isn't needed for any family member under the age of 24 as they can be added to an Admiral Family Travel Insurance policy. Anyone over the age of 24 will need to take out individual policies.

We offer three tiers of cover with increasing coverage and product benefits:

  • Admiral Gold
  • Admiral Platinum

Read the full list of benefits in the policy summary booklet .

Do I need a Family Travel Insurance policy?

Family holiday insurance is a really good idea to make sure everyone in your group is covered. We pay out if you need to cancel your trip for one of a number of defined reasons – so, if one of your children happens to be a little accident-prone, having the right cover in place at the time of booking your holiday could be wise!

If you're travelling with older relatives in their 60s or 70s, it's a good idea to look at travel insurance for over 60s and over 75s.

Our maximum age limit for annual multi-trip insurance is up to 75 years, while it’s up to 85 years for our single trip policies. The age limit and level of cover we can offer depend on your personal information and the details of your holiday.

If your child is going abroad, with you or a relative or friend, Home Office advice says the permission of everyone with parental responsibility must be given.

Mothers automatically have parental responsibility, but still need permission from the father if he's not travelling with you. The Home Office has a template letter you can use to show you have permission.

If children are travelling with any adult who has a different surname to them – even their parent or step-parent – it's possible your group will be stopped and questioned at border control.

It's therefore a good idea to take documentation with you. This might include a copy of the following certificates:

  • The child's birth certificate
  • Your marriage or divorce
  • Change of name

Our annual family travel insurance also covers under-18s if they're travelling with an adult who's not named on your policy.

So if a kind aunt, uncle or family friend offers to give you a break and take your children on holiday with them, this type of policy will give you peace of mind their belongings are covered and they will get the right treatment should they become ill while away.

If you're not sure if a family policy is best for you, call one of our advisors on 0333 234 9913 .

Travelling abroad as a family

When travelling to any country, whether for a holiday or work, it's wise to check Foreign Office advice about your destination. If you travel to a country where advice has been issued about things such as unrest, terror alerts or weather warnings, you risk invalidating your insurance.

If you're travelling in Europe, don't forget your European Health Insurance Card (EHIC) if it’s still in date. Otherwise you should apply for a new Global Health Insurance Card (GHIC) . They aren’t the same as travel insurance and don't give you the same level of cover, but they prove you're a UK resident and are therefore entitled to medical treatment and help when in a European country (except Iceland, Liechtenstein, Norway and Switzerland, where the EHIC hasn’t been valid since 31 December 2020).

Are there any exclusions?

As with any insurance policy, some things aren’t covered by Admiral Travel Insurance. If your family is planning to do any winter sports such as skiing or snowboarding, or you’re taking to the seas on a cruise, you’ll need to add our winter sports or cruise cover upgrades to your policy. Without these, your trip won’t be covered at all.

Exclusions include:

  • Not telling us about any pre-existing conditions
  • The pre-existing conditions of a relative not on your policy
  • Any losses or expenses you can recover from elsewhere, or are more specifically insured by another policy
  • Anticipated events
  • Coronavirus
  • Travelling against FCDO or medical advice

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

  • Declared them all on your policy
  • Received written confirmation that we’ll cover your medical condition
  • Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

family travel insurance different address

Your questions answered

Does travel insurance cover death of a family member.

You can make a claim if you have to cancel or cut short your trip because of a family member’s death, serious illness or serious injury, providing it’s not related directly or indirectly to any pre-existing medical condition.

Do you cover children under 18?

Cover can’t be bought for a child under the age of 18 alone. A child under 18 can be added to our family policies where at least one adult over the age of 18 is also going on the trip (single trip policies).

A child can be added to annual multi trip family policies where the insured adult will travel later in the policy term. Each insured child under the age of 18 will only be covered if they’re travelling with a responsible adult. This adult doesn’t need to be insured with us.

Can the adults on an annual multi trip policy travel separately?

Yes. This policy covers each insured adult, whether travelling on your own or together.

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Student Travel Insurance

Travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

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The Best Family Travel Insurance Plans of 2024

Find the best travel insurance policies to protect you and your loved ones on your adventures.

in under 2 minutes

Charlotte Whitaker Photo

Charlotte Whitaker is a content writer and PR professional currently writing for clients in the travel, tourism and recruitment industries. Coverage highlights for her PR clients include publications such as National Geographic, Forbes, Travel+Leisure, TimeOut and CNN. When she’s not writing, you can find her traveling to the next destination on her bucket list or relaxing in the countryside of the north of England, which she calls home.

Tori Addison Photo

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

If you are traveling as a family, you can protect your international vacation with travel insurance. Travel insurance helps you recover nonrefundable expenses such as airfare, hotel reservations and excursions if you’re forced to cancel your trip or leave early due to an emergency. Travel insurance can also help your family cover the cost of lost baggage and emergency medical expenses.

According to our research on costs and coverage,  Travelex, Berkshire Hathaway and Nationwide are the top three family travel insurance options.

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Compare the Best Travel Insurance for Families

Ready to start comparing travel insurance providers for families? The following are our top choices for travel insurance coverage for families.

How We Ranked Family Travel Insurance Companies

To determine the best travel insurance providers for families, we looked at the following characteristics of each insurance provider.

  • Complementary children’s coverage: Select travel insurance providers offer complementary coverage for children with the purchase of an adult policy. We rated these providers highly in our review as many families will include children in travel plans.
  • Cost: Next, we compared the cost of coverage for family-oriented policy choices offered by each provider. Companies with more affordable policies for a variety of traveler ages scored higher than those with more expensive plans.
  • Coverage options: Travel insurance providers with more policy and add-on choices offer customers higher levels of customization. We ranked these providers above those with more limited plan offerings.
  • Types of coverage: Insurance providers with multiple types of coverage included in each plan scored higher than those with more limited benefits. For example, we considered baggage benefits , travel delay compensation, medical evacuation coverage and more.
  • Reimbursement limits: We prioritized recommending companies with higher maximum reimbursement limits for major policy components like trip interruption coverage and lost bags.

Top 6 Travel Insurance Plans for Families

Below is our list of the best travel insurance companies for all-inclusive resort vacations:

  • Travelex : Our pick for budget travelers.
  • Berkshire Hathaway:  Our pick for luxury travelers.
  • Nationwide Travel Insurance:  Our pick for cruise travel.
  • Generali Global Assistance:  Our pick for emergency assistance.
  • Allianz Global Assistance:  Our pick for concierge services.
  • AXA Assistance USA:  Our pick for leisure travelers.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Travelex

Pros and Cons

Why we picked travelex for families.

Travelex is our top-rated choice for family travel insurance thanks to its all-inclusive Travel Select policies. Travel Select plans include coverage for one child under the age of 17 with the purchase of an adult travel insurance policy. You could save up to 50% on coverage by purchasing a plan with Travelex if you have an equal number of children and adults traveling together.

If your family will be traveling as a group of adults, consider Travelex’s Travel Basic policy option, which is available from $60 for low-cost trips. This policy includes a host of general coverages competitive with other travel insurance providers, ranging from up to $15,000 in emergency medical coverage, $150,000 in emergency evacuation coverage and $500 in trip delay benefits. This can be a viable budget option for families looking for affordable individual protections.

Add-On Options

If you want to expand the coverage of your travel insurance plan, Travelex has the following upgrades:

  • Additional medical coverage
  • CFAR (cancel for any reason)
  • Car rental collision
  • Adventure sports cover
  • Flight accidental death and dismemberment

Based on quotes we obtained, a family of four going on a week-long, $8,000 vacation to Mexico should expect to pay $200  for a Travelex plan.

To learn more: Travelex travel insurance review

Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection

Why We Picked Berkshire Hathaway

If your family is traveling together, you could have a higher-value vacation that you need to insure. While most insurance providers place caps on the total trip cost they will reimburse, Berkshire Hathaway offers luxury coverage with higher-than-average limits. With the Berkshire Hathaway LuxuryCare plan, you can protect each traveler with up to $100,000 in individual cancellation protection — ideal for high-value international travel.

Berkshire Hathaway’s policies are a bit more expensive than competitors, which means premiums for families will be higher as well. However, its plans are also more inclusive, with up to $1 million in medical evacuation coverage and up to $2,000 for trip delay expenses. Berkshire Hathaway also offers unique plans for adventure travelers and cruise-goers, with specific coverages outfitted to your planned excursions.

Berkshire Hathaway’s LuxuryCare plan covers most travel expenses, such as in a medical emergency. Add-ons are available, but this level of coverage is comprehensive for international travel for families.

Based on quotes we obtained, a family of four going on a week-long, $8,000 vacation to Mexico should expect to pay  $168 for a Berkshire plan.

Generali Global Assistance

Generali Global Assistance

Why We Picked Generali Global Assistance

If you plan to visit an international destination with young children and you want to add another layer of safety, consider a travel insurance policy from Generali.

Generali Global Assistance is our top choice for international travel assistance, as all of its plans include 24/7 multilingual travel assistance that can help you while abroad. This can be a major benefit if you’re traveling to an area where you do not speak the primary language spoken, especially with young children. We also suggest considering Generali’s plans if you are looking for extra assistance planning your family’s trip, as all plans come with complimentary concierge pre-trip assistance.

  • Rental car damage on standard insurance plan, up to $25,000 per person per plan
  • Trip cancellation for any reason on premium travel insurance plan

Based on quotes we obtained, a family of four going on a week-long, $8,000 vacation to Mexico should expect to pay $359 for a Generali plan.

To learn more: Generali Global Assistance travel insurance review

Allianz Global Assistance

Allianz Global Assistance

Why We Picked Allianz Global Assistance

Allianz is another top selection for families looking for free children’s coverage with adult travel insurance. The company’s OneTrip Prime policy option includes free coverage for children under the age of 17. However, you must purchase adult coverage and plan to travel with the child. Like Travelex’s family coverage, this could potentially save up to 50% on insurance costs for family vacations.

The OneTrip Prime policy is one of Allianz’s most comprehensive and inclusive options, with up to $100,000 in trip interruption coverage, $50,000 in emergency medical protections and $1,000 for lost baggage. This policy also includes a few unique inclusions, including up to $500 in last-minute travel itinerary changes.

The following add-on options come with Allianz Global Assistance:

  • Winter sports and ski insurance
  • Cancel anytime upgrade

Based on quotes we obtained, a family of four going on a week-long, $8,000 vacation to Mexico should expect to pay  $250 for a Allianz plan.

To learn more: Allianz Global Assistance travel insurance review

AXA Assistance USA

AXA Assistance USA

Why We Picked AXA Assistance

If you are planning to travel with your family to a remote area or partake in outdoor activities, consider AXA’s travel insurance policies . In the event of a medical evacuation or illness, AXA will arrange complimentary return transportation for a travel companion or unattended minor. In the event of a sudden medical emergency that leaves a minor unattended, AXA will arrange an escort to accompany the child and ensure their safe return home. This can be a major benefit and offer peace of mind if you’re a parent traveling alone with a minor child.

  • CFAR coverage available on the platinum plan
  • Collision damage waiver available on gold and platinum plans

Based on quotes we obtained, a family of four going on a week-long, $8,000 vacation to Mexico should expect to pay $276 for a AXA plan.

To learn more:   AXA travel insurance review

What Does Travel Insurance Cover?

Travel insurance policies often offer a range of coverage options for families traveling together. These include the following:

Trip Cancellation or Interruption Coverage

Trip cancellation coverage refers to circumstances that may force you to cancel a vacation before departure. Trip interruption coverage applies when you may have to cut your vacation short because of unforeseen circumstances. Most insurance policies cover you in both cases.

Medical Coverage

Medical coverage reimburses you for medical costs should you have to pay for a medical emergency or need medical attention. Reimbursable events can include basic health care treatment, ambulance fees or repatriation costs in the event of a death. The maximum limit of coverage varies among insurance policies.

Baggage Loss, Delay and Damage Coverage

Most insurance policies give coverage if your luggage is delayed, lost or stolen on your family vacation (as long as the event isn’t your fault or is out of your control). The maximum coverage you can receive depends on the travel insurance policy.

If possessions within your baggage are particularly expensive or if together they add up to a high dollar amount, you may want your family insurance policy to have a larger coverage limit for baggage. You can also take out single-item coverage for something specific if it’s that valuable.

Does Standard Travel Insurance Cover Family Members?

Standard travel insurance policies cover you and your family members. The difference between standard travel insurance and family insurance is that family insurance typically covers families of two adults with at least one and up to eight children under 18.

With family travel insurance, you are offered peace of mind that your insurance policy has been crafted with families in mind to cover your needs.

Common Add-Ons

Common add-ons for travelers and families can include:

  • Winter sports coverage: For those hoping to ski or snowboard and partake in winter sports activities
  • Cruise coverage: For groups who will be venturing on cruises during their vacation
  • Cancel for any reason (CFAR) coverage : A financial backstop if you  must cancel your vacation outside of the policy guidelines

How Much Does Travel Insurance for Families Cost?

The cost of travel insurance for families will depend on the number of family members, the location of the trip, the trip duration, and the total cost. The table below compares costs for basic coverage for a family of four going on a week-long $8,000 vacation to Mexico:

Is Family Travel Insurance Worth It?

Family travel insurance is necessary if you invest a lot of money for a grand family vacation. Knowing that you have comprehensive cover for every member of your party makes it more convenient for travels when you want protection from a range of eventualities.

With a range of family travel insurance policies available, families have ample choices to find a policy that matches their trip, coverage needs and budget.

Frequently Asked Questions

Can you travel separately on family travel insurance.

Some family policies let you travel separately, but you should check with your insurance provider and your policy terms to see if you’re covered.

Is it better to buy travel insurance as a group or individual?

Buying family and group travel insurance is much more convenient and easier to insure everyone on a trip. Group coverage is also likely to be less expensive than purchasing individual policies for every group member. Children sometimes get included for free in family policies.

Does credit card travel insurance cover a family?

You may have insurance to cover your whole family from the credit card you use to book your trip. This is something that varies by bank. You’ll need to talk to your credit card issuer to ask about travel coverage.

Methodology: Our System for Ranking the Best Travel Insurance Companies for Families

  • A 30-year-old couple taking a $5,000 vacation to Mexico.
  • A family of four taking an $8,000 vacation to Mexico.
  • A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
  • A 30-year-old couple taking a $7,000 trip to the United Kingdom.
  • A 19-year-old taking a $2,000 trip to France.
  • A 27-year-old couple taking a $1,200 trip to Greece.
  • A 51-year-old couple taking a $2,000 trip to Spain.
  • Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
  • Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
  • Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
  • Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

Tori Addison is an editor with over five years of experience in the digital marketing industry. Her includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

More Travel Insurance Guides

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  • Health insurance for visitors to usa
  • Best senior travel insurance
  • Best student travel insurance plans
  • Travel insurance for parents visiting USA
  • Best travel medical insurance plans
  • How much does travel insurance cost?

More Resources:

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Best Family Travel Insurance – Plans & Cost

Home | Travel | Best Family Travel Insurance – Plans & Cost

When traveling abroad, get a policy from one of the  best travel insurance companies . Y ou can get a  5% discount   on Heymondo , the only insurance that pays medical bills upfront for you, HERE!

Traveling as a family can be fun but also nerve-wracking, so the best way to minimize stress is by having family travel insurance . That way, you know everyone in the family will be covered if anything goes wrong.

Jetlag, changes in normal schedules, and different food than usual can all make kids (and parents!) more prone to getting sick, which is why having a family travel insurance plan is key. Some plans will automatically include children under 17 for free in your coverage . Others require you to add each family member individually, so make sure you double-check the fine print.

Family at sunset, international travel insurance for families

Best family travel insurance – plans & cost

If you plan on taking multiple trips as a family throughout the year, annual family travel insurance is a great way to get coverage and save money. Otherwise, single-trip family travel insurance should give you everything you need.

Keep reading to find out what the best travel insurance for a family is and compare family travel insurance quotes . Let’s get into it!

Best travel insurance for a family

To sum it up, these are the best family travel insurance companies :

  • Travelex , the best affordable travel insurance for a family
  • World Trips , the best family travel insurance for high coverage
  • Allianz , a good family travel health insurance
  • AIG Travel Guard , one of the travel insurance plans that include children for free

What is family travel insurance?

Family travel insurance is exactly what it sounds like: a travel insurance plan that covers family members, including children, who are traveling together. In fact, a family travel insurance plan is the cheapest and easiest way for parents and kids to all get coverage since you’re paying a single price instead of shelling out for separate plans for each person.

Mother and son at the beach, best family travel insurance

As with most other travel insurance policies, travel insurance plans for families include medical coverage, trip cancellation/interruption/delay coverage, baggage loss coverage, and COVID-19 coverage.

The cheapest travel insurance for family is usually family travel health insurance , which offers an excellent amount of medical coverage but often only provides limited, if any, trip coverage. As such, it’s a great idea to sort out your priorities (do you need baggage loss coverage or is just emergency medical coverage enough?) before you purchase a family travel insurance policy .

How much is family travel insurance?

The cost of travel insurance for families depends on the ages of people being covered, your travel destination, and your home country/state. The length and cost of your trip will also factor into the price of your travel insurance family plan .

I have used the example of a 5-person family (two 40-year-old parents and children aged 10, 8, and 5) who live in Pennsylvania and need travel insurance for Europe to generate quotes. The family is going to Spain for a week and their trip costs $5,000.

*price used for example

1. Travelex , the best affordable travel insurance for a family

If you need the cheapest travel insurance for the family , look no further than Travelex . Their Travel Select plan is the most affordable travel insurance plan for families of all the ones I compared since children ages 1 to 17 are included at no additional premium if traveling with one paying adult. Even better, the plan offers a good amount of coverage in all categories.

Travelex, affordable family travel insurance plan

Features of this family international travel insurance include a $0 deductible for medical expenses and coverage for newborns. You’ll even enjoy coverage for sports equipment delays, so it’s the perfect family travel insurance for ski or surf trips.

If you need a higher amount of coverage, particularly for medical expenses, World Trips is a better option. Otherwise, you can’t go wrong with travel insurance for families from Travelex.

2. World Trips , the best family travel insurance for high coverage

As you can see in the comparison chart above, World Trips comes out on top as the best travel insurance for families in terms of medical coverage. The Atlas Journey Preferred plan offers the highest amount of coverage in all categories, as well as COVID-19 coverage and newborn coverage.

World Trips, best family travel insurance

Even better, this family travel insurance plan offers a $0 deductible for medical expenses, which means 100% of medical expenses incurred will be covered by insurance. You can even choose to add Cancel for Any Reason insurance if you want coverage for just about any mishap.

One drawback is that this is the most expensive travel insurance family plan . If you want a better coverage-to-price ratio, Travelex is a great family holiday insurance to consider.

3. Allianz , a good family travel health insurance

Allianz is a great option if you’re looking for family travel health insurance. The OneTrip Prime plan’s medical-related coverage is quite high and includes COVID-19 coverage and a $0 deductible for medical expenses. Besides children aged 17 and under are covered for free when traveling with a parent or grandparent.

Allianz, cheap family travel insurance plan

Because this family travel insurance plan has rather low trip cancellation and trip interruption coverage, this plan is best suited for families who just need travel medical insurance and aren’t worried about trip-related coverage.

Also, keep in mind that this plan doesn’t offer coverage for newborns or children under a year old. If you’re a new parent, you’ll want to go with World Trips or Travelex instead.

4. AIG Travel Guard , one of the travel insurance plans that include children for free

Another great family group travel insurance is AIG Travel Guard . Their Essential plan offers a fair amount of coverage in most categories for a pretty affordable price. You’ll also benefit from a $0 deductible for medical expenses and coverage for newborns. Besides, their plans include free coverage for one child aged 17 and under , who is traveling with and related to the primary adult listed on the policy.

AIG Travel Guard, family travel insurance plan

This family travel insurance plan even includes perks like concierge services and luggage tracking if you’re looking for an extra level of security. Unfortunately, however, AIG’s family travel insurance policy offers the lowest amount of emergency medical expense and baggage loss coverage out of all the plans I compared.

For this reason, AIG’s travel insurance for families is best suited for those who don’t need much medical or baggage loss coverage.

What is the best family travel insurance?

By now, you’ll know that the best family travel insurance overall is Travelex . Their coverage is great and it’s the most affordable travel insurance for families .

Boy with map, international travel insurance for families

If you prefer to have higher coverage and don’t mind the price, World Trips is the family travel insurance plan to consider. You’ll get the highest amount of coverage in all categories so you can feel secure while you travel the world as a family.

What kind of travel insurance do families need?

Finally, here are the most important things to consider when shopping around for a family travel insurance plan .

Medical travel insurance for unexpected illness or injury

The best family travel insurance will include coverage for medical expenses that result from an emergency like an injury or illness. This is the most important aspect of insurance since it means you can avoid overwhelming medical bills when you finally get back home. Of course, be certain that you and your traveling family members are covered under this benefit.

Trip cancellation insurance for family trips

Trip cancellation is another thing to consider when purchasing a travel insurance plan for families . Trip cancellation is a lifesaver for things like unexpected illness, political strife, or natural disasters, reimbursing you for certain travel expenses in case you need to cancel your plans.

However, not everything is covered under a cancellation trip policy. If you want to be able to get a refund in any case, you can consider checking if the company offers Cancel For Any Reason (CFAR) insurance as an add-on.

Trip interruption insurance for going home early

Similarly, trip interruption will cover you and your children if the trip needs to be called off prematurely. For example, if you or anyone who’s traveling with you gets sick or injured unexpectedly and you need to return home early, you’ll be covered. This can also cover trip interruption for scenarios such as the death of a family member back home.

Some policies also cover work-related issues that interrupt your trip, reimbursing you for pre-paid travel expenses such as hotels and flights.

Baggage coverage for a family vacation

Lost, delayed, or damaged baggage can be a huge headache. Make sure your family travel insurance policy includes protection for you and traveling family members so you all can cover the costs of new clothes, personal care products, and toiletries.

Return of minor children

Lastly, return of minor children is something that is very specific to international travel insurance for families . If you fall ill and must stay in the hospital, your policy should cover the costs for your minor children (17 and under) to go back to your home country.

Be sure to check with your insurance provider since some companies require you to be hospitalized for a certain period of time (such as more than a week). Also, most companies will cover the costs for an attendant to accompany minor children as they return home.

I hope that you have a great time traveling with your family and that having family travel insurance makes planning a little easier. If you’ll be doing a road trip through the US, be sure to look into family travel insurance for the USA – domestic travel insurance works a little differently from international travel insurance.

Happy traveling!

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The best travel insurance policies and providers

Katie Genter

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

family travel insurance different address

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

  • You purchase the plan within 15 days of your initial trip payment.
  • The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
  • You must be medically able to travel when you purchase your plan.

Standout features

  • The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
  • You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
  • Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

family travel insurance different address

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

family travel insurance different address

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

  • You purchased the policy within 14 days of the date of the first trip payment or deposit.
  • You were a U.S. resident when you purchased the policy.
  • You were medically able to travel when you purchased the policy.
  • On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
  • Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
  • Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
  • For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

family travel insurance different address

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

family travel insurance different address

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

  • You must be medically able to travel at the time you pay the policy premium.
  • You pay the policy premium within 14 days of making the first covered trip deposit.
  • Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
  • Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
  • American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

family travel insurance different address

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

family travel insurance different address

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

family travel insurance different address

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

  • GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
  • GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

family travel insurance different address

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

family travel insurance different address

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

  • Some annual multi-trip plans are modestly priced.
  • iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

family travel insurance different address

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

  • You purchase the plan within 15 days of the initial trip payment.
  • The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
  • All insured individuals are medically able to travel when they pay the plan cost.
  • The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
  • Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
  • Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
  • For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

family travel insurance different address

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

family travel insurance different address

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

  • You buy this plan within 20 days of making your initial trip payment or deposit.
  • You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
  • You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
  • Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
  • You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
  • Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

family travel insurance different address

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

  • World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
  • World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

family travel insurance different address

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

family travel insurance different address

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

family travel insurance different address

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

  • Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
  • Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
  • Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
  • Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
  • Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
  • Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
  • Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
  • Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

family travel insurance different address

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

family travel insurance different address

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

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The Real-Talk Guide to Family Travel Insurance

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  • February 1, 2024

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You are setting out on your next family vacation but there’s no telling when an interruption may pop up and it pays to be prepared for things like medical emergencies, especially with kids.  

The best way to protect your family against all travel complications is by buying travel insurance. If you purchase travel coverage, you can rest assured that most unplanned expenses and travel delays will not impact your trip. 

But what exactly does travel insurance policy cover, and is it worth the investment? Our team gathered info about different types of coverage and benefits of taking a family travel insurance policy, so you can be in the know.

Why should I get a family travel insurance plan?

1 in 6 travelers encounter an issue while traveling, with 37% of all claims being related to trip delays and  15-37% of short-term international travelers experiencing a health problem during a trip. (source: Tripinsurance.com ). 

In many cases, when something goes wrong, even something small like a loss of luggage, it can affect the rest of the vacation, especially if a family travels with a budget in mind. So getting Insurance will help keep these mishaps from spiraling out of control financially.

If you thought travel plans are not worthy, you are not alone. Only “38% of travelers purchase insurance for their trip” according to Business insider .

Just know that what you pay for most travel insurance plans versus the cost of out of pocket expenses is often self explanatory on why many seasoned traveling families choose to get coverage.

Family playing on the beach

This content contains affiliate links, if a purchase or booking is made, we may earn a commission. This does not affect our content integrity nor decision to add or remove a location from our editorial content.

What To Expect if You Don’t Have Travel Insurance

Although travel insurance is not a necessity, be prepared to deal with lost money, lost items, and delayed flights without much change of reimbursement. 

To remedy the lack of coverage, families often book refundable tickets and rely on their credit card insurance coverage to help with any unforeseen trip cost.

The truth is that refundable rates are 4X more expensive than the starting rate and apply per family member, while many travel insurance companies have a fixed rate per trip and often cost less than the premium rate. And that is just covering your flight! Then you have to get a refundable rate for all your lodging as well. 

If you do choose to travel without travel insurance, make sure you calculate the extra fees versus the cost of coverage and have some money set aside to handle expenses if you deal with delays, cancellations, medical issues, etc for all travelers.

Regarding the need for medical insurance, this study published by the UK government, shows some average costs related to issues applicable to traveling families.

Source: gov.uk

So, as any other insurance in your life, make sure you weigh the risks and factor in costs before deciding against a travel policy.

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Does credit card travel insurance cover family members?

While credit card travel insurance offers a layer of protection for families, it is always recommended to read the fine print and understand how to approach this coverage with caution due to its limitations. Most credit card companies will only cover your family trips’ expenses that were put on said credit card! For instance, if you use an airline credit card to book a flight and get rewards, that flight and all potential expenses (i.e. baggage loss), may not be covered under your primary credit card insurance plan.

When it comes to baggage loss and breakage, for instance, many credit card travel insurance plans cover belongings with limitations and conditions that the airline does not offer compensation. This can leave families underinsured in case of significant losses.

Medical insurance coverage can also be limited. Travel insurance benefits under credit card policies, typically cover only emergency medical expenses and might not encompass pre-existing conditions or specific medical needs, which could leave families with substantial out-of-pocket costs in a medical crisis during international travel. 

Besides medical insurance, the most important things to look at when you plan your family vacations is trip cancellation insurance. While it sounds like credit card companies may advertise it in their promotional content, the medical coverage is usually restricted to specific, predefined scenarios. Many common causes of trip cancellation, such as family emergencies or certain natural disasters, might not be covered under those plans. This can lead to a false sense of security and unexpected financial burdens. Therefore, it is imperative for families to thoroughly review all benefits and understand the limitations and exclusions of their credit card travel insurance policy to ensure they are not caught off guard during their travels.

Credit card agreement sample

Our Selection Of The Best Family Travel Insurance

Of course, when you’re trying to keep your family trip covered, you shouldn’t have to settle for anything less than the best. While there’s no one-size-fits-all insurance policy, some providers are better than others. To get you started, we took a look at a few companies with the best travel insurance plans.

Faye Travel Insurance

Faye Travel Insurance , has been selected by the GoWhee members as a favorite travel insurance for families because of its ease in selecting a plan, its interactive app, clearly defined benefits, and ability to customize the plan, as well as its around the clock concierge-like services after enrollment. 

Faye covers many aspects of your trip, from your family’s health to items that could get damaged like strollers, car seats, and more…, and it offers 24/7 customer support. They have policies for most kinds of trips from domestic to international travel and even offer coverage for cruises. We also recommend looking at their supplementary coverage for things like vacation rental protection, adventure sports coverage (great for upcoming ski trips or hikes), car rental care, and pet care.

But what makes them our top selection is their user-friendly platform, where you can easily sign up in about 60 seconds, choose the best policy for your family, access their concierge services like weather and emergency contact info for your destinations, and more. The same platform makes it a breeze to process claims by answering a few questions and as parents, we particularly appreciate their telemedicine service!

Check out our interview with their team, to answer many of the questions about travel insurance.

Screen shots of Faye app with digital sign up for travel insurance for families

Allianz Family Travel Insurance

Allianz Travel , is a leader in the family travel insurance space and offers comprehensive travel insurance at excellent prices. Policies with Allianz typically offer medical coverage, travel delays, lost property, and the like. It’s an excellent choice for families with young children, as any family member under 17 years old can be included in your coverage for free. 

In addition, you can choose between policies for single or multiple trips, so if you don’t travel frequently, you don’t need to invest in a plan you’ll only use a few times. However, keep in mind that there are no coverage options if you need to cancel your trip spontaneously, so you’ll only be reimbursed if you cancel for reasons specifically covered under your policy.

For families that love to travel, we recommend the AllTrips Prime package, which offers families $3,000 in trip cancellation and interruption coverage per person, and includes medical emergency, emergency transportation, baggage loss, and rental car damage coverage.

AIG Travel Insurance

Many frequent travelers swear by  AIG ’s travel insurance policies, and for good reason. With three separately-priced policy options, benefits cover your family as much or as little as you feel is necessary. Regardless of your plan, however, you can expect service that’s a cut above the competition, allowing you to have peace of mind on your family vacation, no matter what happens.

We recommend the Preferred plan policy, which offers 100% insured trip costs, 150% insured trip interruption coverage, plus missed connection, baggage loss and delay, emergency evacuation coverage, and much more.

The Family Travel Playbook

Axa travel insurance.

You can never be too prepared when going on vacation, and AXA Travel Insurance plans allow you to plan for just about anything. AXA’s plans boast high reimbursement rates for medical emergencies, lost time, and quite possibly the best lost-luggage coverage you’ll be able to find. 

In addition, you can choose to add an insurance policy covering cancellation for any reason, meaning that you and your family will be covered in even the most unexpected scenarios. Best of all, their plans include a concierge service, allowing you to enjoy your family vacation to the fullest. 

We recommend the Gold Plan, which offers 100% trip cancellation protection, 150% trip disruption coverage, and all the basics needed for travelers. 

Know someone headed on a trip soon? Share this guide with them to make sure they’re covered! And head on over to the GoWhee app for more travel tips.

Did you find this article about family travel insurance helpful? Make sure your friends and family know about this too and share this article by clicking one of the buttons below.

* Disclaimer: The content of this blog post is for informational purposes only and does not constitute professional travel insurance advice. The opinions expressed herein are solely those of the author and should not be considered as a substitute for professional advice. It is always recommended to consult with a qualified travel insurance professional for specific advice related to your personal circumstances

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Home » Travel Insurance » Best Family Travel Insurance to Ensure a Worry-Free Journey

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Best Family Travel Insurance to Ensure a Worry-Free Journey

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  • Author | Alexa Erickson
  • July 31, 2023

The Daily Navigator strives to help you make the best decisions in travel. While we produce content according with strict editorial integrity this post may contain references to partner products. Here’s a full explanation for how our team makes money .

  • Best for families with adventure travel plans: John Handcock
  • Best for families with children under 18: TravelSafe
  • Best for families on extended trips: Seven Corners
  • Best for families seeking customizable coverage: Travelex Insurance Services
  • Best for families with international travel plans: Arch RoamRight
  • Best for families requiring international health coverage: GeoBlue

What is travel insurance?

Travel insurance is a type of insurance coverage that provides financial protection against unexpected events or emergencies that may occur during your travels, such as trip cancellations, medical emergencies, lost baggage, or other unforeseen circumstances.

What are the main types of travel insurance?

  • The main categories of travel insurance are typically based on the type of coverage they provide. Here are the main categories of travel insurance:
  • Trip cancellation/interruption insurance: This  covers expenses incurred if you need to cancel or interrupt your trip due to covered reasons such as illness, injury, death, natural disasters, or other unforeseen events. 
  • Medical insurance: This provides coverage for medical expenses incurred while traveling. It can include emergency medical treatment, hospital stays, doctor’s visits, medications, and medical evacuations.
  • Baggage and personal  belongings insurance: This type of travel insurance protects against loss, damage, or theft of your luggage, personal belongings, and valuables during your trip. 
  • Travel delay insurance: This covers additional expenses incurred due to unexpected delays, such as flight cancellations, missed connections, or severe weather conditions. 
  • Emergency evacuation insurance: This category assists with the cost of emergency evacuations, particularly in remote or medically inadequate areas. 
  • Accidental death and dismemberment insurance: This provides financial compensation in the event of accidental death, loss of limbs, or permanent disabilities resulting from accidents that occur during your trip.

How much does travel insurance cost?

The cost of travel insurance varies depending on several factors, including your destination, the length of your trip, your age, the coverage options you choose, and any pre-existing medical conditions. It is advisable to compare quotes from different insurance providers to find the best coverage at a competitive price.

Where can you buy travel insurance?

Travel insurance can be purchased from various sources, providing flexibility and options for travelers. Here are some common places where you can buy travel insurance:

  • Insurance companies: Many insurance companies offer travel insurance policies. You can directly contact insurance providers to inquire about their offerings, receive quotes, and purchase a policy. These companies may have online platforms or local offices where you can access their services.
  • Travel agencies: Travel agencies often offer travel insurance as part of their services. When booking your trip through a travel agency, they can provide you with options for travel insurance coverage and facilitate the purchase on your behalf.
  • Online travel booking platforms: Online travel booking platforms, such as Expedia , Travelocity, or Kayak, often provide the option to purchase travel insurance during the booking process. These platforms may partner with insurance providers to offer a range of policies that you can select from.
  • Credit card companies: Some credit card companies offer travel insurance as a benefit to their cardholders. If you have a credit card with travel-related perks, review the terms and benefits associated with your card to see if travel insurance coverage is included and how to access it.
  • Comparison websites: There are online comparison websites that allow you to compare different travel insurance policies from multiple providers. These platforms provide a convenient way to review coverage options, prices, and customer reviews, helping you make an informed decision.
  • Specialized travel insurance providers: There are companies that specialize in travel insurance, offering a wide range of policies tailored to different types of travelers and trips. These specialized providers may have additional coverage options or unique features that cater to specific needs, such as adventure travel or long-term travel.

Traveling with family is an exhilarating experience that creates cherished memories and strengthens bonds. Whether you’re planning a weekend getaway, a domestic adventure, or an international expedition, the well-being and safety of your family should always be a top priority. Unexpected events such as trip cancellations, medical emergencies, lost baggage, or travel delays can disrupt your plans and cause financial strain. That’s where family travel insurance comes to the rescue .

Family travel insurance is a valuable investment for families embarking on vacations, as it provides financial protection and peace of mind during unforeseen circumstances. With a myriad of travel insurance options available, selecting the best one for your family’s needs can be a daunting task. To simplify the process, we’ve curated a list of top travel insurance providers that offer comprehensive coverage, ensuring that your family’s trip remains stress-free and enjoyable.

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1. John Hancock

Who’s it best for ? Families with adventure travel plans

If your family loves adventure and outdoor activities, John Hancock Insurance Agency, Inc. could be the ideal travel insurance provider for you. They offer plans with enhanced coverage for activities like hiking, skiing, and other adventure sports. Additionally, their travel insurance includes trip cancellation and interruption coverage, emergency medical evacuation, and 24/7 travel assistance.

Key features of John Hancock:

  • Enhanced coverage for adventure activities
  • Coverage for trip cancellations and interruptions
  • Emergency medical evacuation services
  • 24/7 travel assistance

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2. TravelSafe

Who’s it best for ? Families with children under 18

TravelSafe is an excellent option for families with children under 18, as they include coverage for these minors at no additional cost when traveling with a covered adult family member. Their plans offer trip cancellation and interruption coverage, emergency medical expenses, baggage protection, and travel assistance services. TravelSafe also provides optional coverage for cancel for any reason (CFAR), giving families added flexibility and peace of mind.

Key features of TravelSafe :

  • Children under 18 included for free with a covered adult family member
  • Trip cancellation and interruption coverage
  • Optional cancel for any reason (CFAR) coverage
  • 24/7 travel assistance services

Navigator Tip

Consider your family’s typical travel destinations, the duration of your trips, and the activities you plan to engage in. If you frequently travel internationally or participate in adventure sports, look for insurance providers that offer comprehensive coverage for these aspects.

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3. Seven Corners Inc.

Who’s it best for ? Families on extended trips

For families planning extended trips abroad, Seven Corners Inc. offers long-term travel insurance solutions. Their plans cater to trips lasting up to 364 days, providing coverage for trip cancellations, emergency medical expenses, travel delays, and more. Seven Corners Inc. also offers 24/7 multilingual customer support, ensuring assistance is readily available no matter where you are in the world.

Key features of Seven Corners :

  • Coverage for extended trips up to 364 days
  • Emergency medical expense coverage
  • Travel delay coverage
  • 24/7 multilingual customer support

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4. Travelex Insurance Services

Who’s it best for ? Families seeking customizable coverage

Travelex Insurance Services offers a range of plans that can be tailored to suit your family’s specific needs. With various coverage options and optional add-ons like rental car collision coverage and adventure sports coverage, Travelex allows families to customize their policies. They also provide coverage for trip cancellations, emergency medical expenses, baggage protection, and more.

Key features of Travelex Insurance Services :

  • Customizable coverage options
  • Optional add-ons for rental car collision and adventure sports coverage
  • Coverage for trip cancellations, emergency medical expenses, and baggage protection

Check your existing insurance policies, such as health insurance, homeowner’s insurance, or credit card benefits, to see if they already provide any travel-related coverage. Understanding what coverage you have in place can help you identify any gaps that need to be filled by travel insurance.

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5. Arch RoamRight

Who’s it best for ? Families with international travel plans

Arch RoamRight offers comprehensive travel insurance plans suitable for families with international travel itineraries. Their plans include coverage for trip cancellations, emergency medical expenses, baggage protection, travel delays, and more. Arch RoamRight also provides 24/7 multilingual customer support and a user-friendly mobile app for convenient access to policy details and assistance services while on the go.

Key features of Arch RoamRight :

  • Coverage for international travel plans
  • Travel delay and baggage protection
  • User-friendly mobile app for policy access and assistance

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Who’s it best for ? Families requiring international health coverage

GeoBlue specializes in international health insurance coverage, making it an excellent choice for families planning extended trips abroad or living as expats. Their plans offer comprehensive medical coverage, including doctor visits, hospitalizations, prescription medications, and emergency medical evacuation. GeoBlue also provides access to an extensive network of trusted healthcare providers worldwide, ensuring that your family receives quality medical care, even in unfamiliar locations.

Key features of GeoBlue :

  • Comprehensive international health insurance coverage
  • Access to an extensive global network of healthcare providers
  • Coverage for doctor visits, hospitalizations, and prescription medications

Frequently asked questions

Travel insurance is essential for your family’s vacation for several reasons. It provides financial protection in case of trip cancellations, interruptions, or delays, ensuring that you don’t lose money on non-refundable expenses. Additionally, travel insurance covers emergency medical expenses, offering peace of mind during unforeseen medical emergencies abroad. It also provides coverage for lost or delayed baggage and other travel-related mishaps, saving you from potential financial burdens and inconveniences.

Choosing the best travel insurance for your family involves considering your specific travel needs and preferences. Assess factors like destination, trip duration, age and health conditions of family members, planned activities, and budget. Look for insurance providers that offer comprehensive coverage for trip cancellations, emergency medical expenses, baggage protection, and other essential features. Additionally, check if they provide optional add-ons that match your family’s requirements, such as coverage for adventure sports or rental car damage.

Some travel insurance providers offer coverage for children under a certain age at no additional cost when traveling with a covered adult family member. This inclusion varies between insurance companies, so it’s essential to review the policy details and age limits to ensure your children are covered without extra charges.

Most travel insurance providers do not have age restrictions for children and offer coverage for travelers of all ages, including young children. In fact, many insurance companies recognize the importance of insuring children, as they can be vulnerable to unforeseen events during family trips. As a result, children are often automatically covered under their parents’ or guardians’ travel insurance policies.

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Everything you need to know about joint and family travel insurance

  • Everything you need to know about joint and family travel insurance

If you’re planning a holiday with your partner or family, buying joint or family travel insurance can often work out cheaper than taking out separate policies – but not always.

While joint or family travel insurance makes sense for some people, for others it may not be the most cost-effective option, so here’s everything you need to know.

What is joint travel insurance?

What is family travel insurance, what do joint and family travel insurance policies cover, what do joint and family travel insurance policies not cover, what are the cover limits for joint or family travel insurance, do you always need to travel together with joint or family annual multi-trip travel insurance, why might you want to buy joint or family travel insurance, where can you find joint or family travel insurance, get 20% ‡ off your travel insurance quote from staysure.

We have teamed up with Staysure to provide you with first class travel insurance, tailored to suit your needs. You can also take advantage of our 20% ‡ discount , just quote RSTL at checkout.

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Sometimes known as couples travel insurance, a joint travel insurance policy usually provides protection for two people over 18 years of age, who are in a relationship and are living together. You don’t need to be married to take out a joint travel insurance policy with your partner, you just need to live at the same address.

You can usually get single-trip or annual multi-trip joint travel insurance. 

Generally, buying joint travel insurance is cheaper than buying two separate policies, so lots of people choose to buy their travel insurance like this. However, if one of you has a pre-existing medical condition, this could push the price up for both of you, in which case it might be cheaper to buy separate policies.

Family travel insurance usually provides protection for one or two adults plus at least one child. Most policies will allow you to add up to eight children to a policy, but they all need to be under 18 and will usually need to live at the same address as the adults.

You can usually buy either single-trip cover if you want insurance for a two-week break, for example, or annual multi-trip family travel insurance, if you’re planning to go away together two or three times in the same year. 

If anyone in your family has a pre-existing medical condition, this could push up the price of cover considerably, so it might work out cheaper to either get separate policies, or take out a family policy with standalone cover with a specialist provider for the person with a medical condition.

Joint and family travel insurance policies provide protection for all the usual things you’d expect to see on a travel insurance policy, including:

  • Medical treatment and expenses
  • Cancellation and curtailment
  • Travel delay or disruption
  • Repatriation
  • Lost, stolen or damaged possessions and luggage
  • Money and passports
  • Legal protection
  • Personal liability.

Standard joint or family travel insurance policies won’t usually cover:

  • Cruises, skiing or extreme sports – you will either need to take out a specialist policy for these activities or you might be able to add them on as optional extras, so make sure to check the fine print
  • Pre-existing medical conditions – if anyone on the policy has a pre-existing condition, you won’t usually have cover for this or any claims made as a result of this condition
  • Incidents related to alcohol or drug abuse – While this sounds extreme, it’s worth noting that insurers often won’t cover accidents that have happened when you’ve had a few drinks
  • Travel to high-risk countries against Foreign, Commonwealth and Development Office (FCDO) advice
  • Acts of terrorism
  • Natural disasters.

You can find out more about what travel insurance will and won’t cover in our guide Travel Insurance for over 50s – Everything you need to know .

‡ Discount applies to the base premium of the policy only and not to medical screening costs or add-ons where relevant. Terms, conditions, and exclusions apply.

The limits to the cover you’ll get depends on where you’re going and for how long, but generally most cover limits will be per person per trip on joint or family travel insurance policies. There are some exclusions to this, however, and usually, things like gadget cover and legal costs limits will be in total. Make sure you check the fine print of your cover so you know exactly what you’re covered for.

There are joint and family travel insurance annual multi-trip policies available that let you travel separately, but this is by no means the norm, so it’s important to read the fine print carefully to make sure you’re covered.

The option to travel separately is more commonly available with joint travel insurance, but it will vary from policy to policy.

If you’re considering taking out family annual multi-trip travel insurance, but some family members won’t be coming on certain trips, make sure it’s still the most cost-effective option. You may find that it’s cheaper overall to buy single-trip policies if some family members won’t be coming on some trips.

There are a number of reasons you might want to buy a joint or family travel insurance policy, including:

  • Convenience – Taking out separate policies for you and your loved ones could be a real faff, but with a joint or family policy, you can get travel protection for everyone in one go.
  • Value for money – Buying joint or family travel insurance policies can work out cheaper than taking out individual ones, so many people choose to buy their insurance this way. Some family policies can even offer free cover for children, so it can be much more cost-effective.

Joint and family travel insurance policies are offered by nearly all insurers, and you should be able to find them on most comparison sites.

Learn more about travel insurance and the different types of cover available in our guide Everything you need to know about travel insurance .

If you’re looking for travel insurance, we have partnered with Staysure to provide you with first class travel insurance, tailored to suit your needs. There’s no upper age limit and they’ll cover most pre-existing medical conditions. You can also take advantage of their 20% ‡ discount , just quote RSTL at checkout.

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How to save money on travel insurance if you’re over 60.

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Getting travel insurance when you're over 60 can be hard. Here's how to make it easier.

Dave Dzurick likes to play it safe when he travels, so he shops around for travel insurance. But lately, he's noticed that the policies have gotten more expensive.

"Each year past 60 seems to increase travel insurance rates," says Dzurick, a retired broadcast engineer from Tucson, Ariz.

It's not just his imagination.

"Age is the crucial underwriting factor in determining trip cancellation and medical assistance risk for the insurance provider," explains John Rose, the chief risk and security officer of ALTOUR .

Age is more important than ever in travel insurance

You would expect something like age-based pricing to be a constant in the travel insurance industry, but not necessarily. Some group travel insurance policies don't consider age. But a shift is underway.

Last year, when Travelex Insurance Services launched its new line of travel protection plans , it called out one enhancement: competitive age-band pricing, which bases its rates on each traveler’s risk level.

"We’re responding to the coverage and benefits our partners and travelers want," notes Brooke Kirby, Travelex vice president of marketing.

In other words, the rate you pay for travel insurance will be more closely aligned with your age than ever. That's good news if you're young. But if you're over 60, it can present a challenge.

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Google suddenly reveals surprise android update that beats iphone, ukraine has developed 15 kinds of long range strike drone and has sortied them against russia s oil industry, what is age-band pricing in travel insurance.

Rhonda Abedsalam, vice president of Travel Insurance at AXA Partners US , says age-band pricing is a mechanism designed to align prices with the real risks associated with each age group.

"It provides a fair and balanced approach to travel insurance," she says.

Specifically, this method offers younger travelers access to more affordable options, preventing them from bearing the brunt of a one-size-fits-all pricing strategy. She says older travelers who are looking for lower rates can choose plans offering minimal coverage for a cost-effective solution.

"We always advocate for choosing a plan that balances affordability with comprehensive coverage," she says.

That's a position the US Travel Insurance Association (USTIA) agrees with. When I asked about age-band pricing, a representative advised me that it’s important to understand the plan you are purchasing — what is and isn’t covered — and the level of medical expense and medical evacuation limits offered.

"Never purchase based on price alone," says Robert Gallagher, USTIA's president.

Your travel insurance rates may vary

Pricing travel insurance based on age makes sense, say experts.

"There's a higher risk for claims, primarily due to health concerns," explains PK Rao, CEO of INF Visitor Care .

How much more expensive? Consider medical insurance. A 65-year-old U.S. citizen, for example, might pay $9 a day for international travel insurance with a $1 million coverage limit. On the other hand, an 85-year-old American might pay $31 a day for that same insurance policy, according to Joe Cronin, CEO of International Citizens Insurance .

"Fortunately, there are more affordable options for seniors who are more budget-conscious," he says.

How to lower your travel insurance rates if you're over 60

"The easiest way to lower your costs would be to Benjamin Button it and get younger," jokes Michal Wieczorek, global client relations and intelligence specialist at Insured Nomads .

Seriously, though, he says choosing higher deductibles and lower medical maximums can cut your insurance costs. He says some insurers specialize in benefits for older travelers but cautions buyers to be careful.

"Read the fine print, because certain benefits may decrease or be eliminated above certain ages, especially things like accidental death and dismemberment and evacuation benefits," he adds.

There's a difference between retail travel insurance and group insurance, adds Dan Skilken, president of Tripinsurance.com.

"Retail travel insurance policies are price-sensitive based on age, trip cost, and the length of the trip," he says. "Commercial policies sold through cruise or major tour companies are generally not priced based on age."

In other words, sometimes older travelers can get a better price going through the cruise line or tour operator for travel insurance. But here again, buyers need to be careful, he adds, since some of those policies may lack essential coverage.

How one customer saved money on travel insurance after age 60

Dzurick says he's not deterred by the higher rates because he knows the value of travel insurance.

"For me, one way to save on travel insurance is to get a separate medical rider covering only the basics," he says.

A bare-bones policy would cover only essential items like medical care when you're abroad and emergency evacuation, but would omit some of the other features of travel insurance like coverage of lost luggage or trip interruption.

There's another method Dzurick likes. He checks with his employer-provided insurance to see if it will offer coverage.

"My former employer recently changed insurance plans for retirees, and it turns out the new policy provides coverage worldwide," he says. "So there's no need for any additional coverage."

Some travel insurance companies offer reduced coverage for older travelers. For example, INF has policy maximums up to $250,000 for policyholders who are older than 70 to ease the concerns of travelers.

"You can also take a fixed benefit option which offers lower payments, but still has evacuation benefits," notes Rao.

Cronin says there are budget-friendly options for U.S. seniors traveling outside the U.S. He likes Trawick Safe Travels USA Comprehensive Insurance and Atlas Travel Medical, both of which offer affordable options for seniors traveling to the U.S.

Another travel insurance hack: the two-policy option

Another way to get affordable coverage with a decently high policy maximum if you’ve aged out of the coverage you prefer is to purchase two travel medical insurance plans, according to James Nuttall, general manager of Insubuy .

"Each plan is considered secondary to the other, and they can share the load for claims involving large medical expenses," he explains.

For instance, a plan offering $250,000 worth of coverage may not be in the budget for your age group. But two plans offering $100,000 worth of coverage each might be.

"Just keep in mind that each plan must be from a different insurance company," he adds. "You can’t just purchase two of the same plans."

Pro tip: If you decide to go down this road, work with an experienced travel advisor who knows how two insurance policies would work together.

Other ways to save money on travel insurance if you're over 60

There are other ways to save money, according to Daniel Durazo, director of communications at Allianz Partners USA .

Consider an annual travel insurance policy

Purchasing an annual travel insurance policy can be a smart choice for those who have more than three trips planned in a year, says Durazo. Unlike a one-trip plan, an annual plan protects all of your trips in a 365-day period, which can save you money, rather than insuring each trip separately. Annual policies are sometimes offered at a flat rate, meaning your cost may not increase with age and trip cost.

Buy a plan that includes more

For example, some travel insurance policies include children at no additional charge. That includes Allianz’s OneTrip Prime and OneTrip Premier, both of which cover children aged 17 and younger when traveling with a parent or grandparent.

Focus on trip cancellation benefits for U.S. trips

Durazo says trip cancellation benefits may cover the cost of canceling your trip if you encounter a situation covered by your policy. These benefits can reimburse you for prepaid, nonrefundable trip costs if you have to cancel your trip at the last minute for a covered reason. They're among the most frequently used benefits for U.S. trips (often, medical expenses are covered by your health insurance plan).

Get a plan with post-departure benefits if you're going abroad

Post-departure benefits can kick in as soon as you begin your trip. They can include coverage for travel delays, baggage loss or damage and baggage delay, according to Durazo. It can also include emergency medical and emergency transportation benefits, which are highly recommended for overseas travel.

Age-band pricing is more pervasive than ever in travel insurance. If you're headed somewhere this summer, make sure you know all of your options before you buy a policy.

Christopher Elliott

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