Best Travel Insurance Plans For Families
When looking for the best travel insurance plans for families, it’s important to consider coverage that addresses the unique needs of each family member, including medical emergencies, trip cancellations, lost luggage, and more. Here are some of the best travel insurance plans for families, based on comprehensive coverage and reliable customer service:
1. Allianz Travel Insurance – “Allianz Family Plan”
Best for: Comprehensive coverage, including medical and trip cancellation.
- Coverage Includes:
- Trip Cancellation: Covers non-refundable costs if you have to cancel due to illness, injury, or other covered reasons.
- Emergency Medical: Medical expenses abroad for all family members.
- Emergency Evacuation: Costs of being evacuated in case of medical emergencies.
- Baggage Loss: Coverage for lost or delayed luggage.
- Family Add-Ons: Allianz offers customizable family plans where you can add coverage for children under 18 at no extra cost when traveling with their parents.
- 24/7 Assistance: Round-the-clock help in case of emergencies while traveling.
- Pros:
- Comprehensive family coverage options.
- Special rates and discounts for families.
- 24/7 support.
- Cons:
- Plans can be more expensive for large families or extended trips.
2. Travel Guard by AIG – “Travel Guard Gold”
Best for: Extensive family coverage with a focus on medical benefits.
- Coverage Includes:
- Trip Cancellation/Interruption: Reimbursement for trip cancellations due to illness or emergencies.
- Emergency Medical and Evacuation: Covers medical expenses and emergency transportation.
- Baggage Loss: Reimbursement for lost or stolen baggage.
- Travel Delay: Compensation for long delays due to weather, airline issues, etc.
- Family-Friendly Options: Travel Guard offers family plans that allow children under 18 to be covered at no additional cost when traveling with parents.
- Pros:
- High medical limits and evacuation benefits.
- Add-on coverage options, including rental car protection and adventure sports.
- Offers a “Cancel for Any Reason” (CFAR) upgrade.
- Cons:
- Higher premiums compared to basic plans.
3. World Nomads – “Family Travel Insurance”
Best for: Active families and those with adventurous plans.
- Coverage Includes:
- Emergency Medical: Coverage for injuries or illnesses, including evacuation.
- Trip Cancellation: Reimbursement if you need to cancel your trip due to emergencies.
- Baggage and Personal Belongings: Lost or stolen items are covered.
- Activity Coverage: Ideal for families planning adventurous activities (hiking, snorkeling, etc.), as it includes coverage for many sports and activities.
- 24/7 Emergency Assistance: Support anytime, anywhere during your trip.
- Pros:
- Tailored for families who engage in sports or adventure travel.
- Flexible coverage options.
- Excellent customer support and travel assistance.
- Cons:
- Not the cheapest option.
- Coverage can be complex, so it’s important to carefully read the terms.
4. Travelex – “Travel Select Plan”
Best for: Families seeking customizable plans with a variety of options.
- Coverage Includes:
- Trip Cancellation and Interruption: Refunds for non-refundable trip expenses if you have to cancel.
- Emergency Medical: Medical coverage for family members while abroad.
- Baggage Loss/Delay: Compensation for lost or delayed baggage.
- Travel Delay: Covers meals, accommodations, and transportation in case of trip delays.
- Travel Assistance Services: Access to emergency help 24/7.
- Pros:
- Customizable with multiple add-on options, including CFAR.
- Affordable family options.
- Good balance of basic and comprehensive coverage.
- Cons:
- Lower coverage limits compared to premium plans.
- Some exclusions for certain activities (e.g., extreme sports).
5. AXA Assistance USA – “Platinum Plan”
Best for: High medical coverage and top-tier customer service.
- Coverage Includes:
- Trip Cancellation: Covers cancellations due to illness, injury, or death.
- Emergency Medical and Evacuation: Includes medical treatment and emergency evacuation services for all family members.
- Baggage and Personal Items: Covers baggage loss, theft, and delays.
- 24/7 Assistance: Access to emergency services, including help with lost passports or finding a local doctor.
- Travel Delay: Covers expenses for delays, including meals and accommodations.
- Pros:
- High medical and evacuation limits.
- Offers robust travel delay and baggage coverage.
- Comprehensive support for families during emergencies.
- Cons:
- Premium price, especially for large families or long trips.
6. Generali Global Assistance – “Essential Plan”
Best for: Budget-friendly option for families with basic travel insurance needs.
- Coverage Includes:
- Trip Cancellation and Interruption: Covers cancellations due to illness or family emergencies.
- Emergency Medical and Evacuation: Medical care and evacuation for family members.
- Baggage Loss/Delay: Compensation for lost or delayed baggage.
- Travel Delay: Coverage for delays caused by weather or other covered events.
- Pros:
- Affordable and easy-to-understand plans.
- Good balance of essential coverage without unnecessary add-ons.
- 24/7 emergency assistance services.
- Cons:
- Lower coverage limits compared to higher-tier plans.
- May not cover more adventurous or higher-risk activities.
Key Features to Look for in Family Travel Insurance Plans:
- Medical Coverage: Ensure that both emergency medical and evacuation services are included, as medical care abroad can be expensive.
- Trip Cancellation and Interruption: Look for plans that reimburse non-refundable trip costs if something forces you to cancel or cut your trip short.
- Baggage Coverage: Lost luggage can be a hassle, so ensure there’s coverage for lost, stolen, or delayed baggage.
- Adventure/Activity Coverage: If your family plans to engage in active or adventurous activities (e.g., hiking, skiing, scuba diving), make sure your policy includes coverage for these activities.
- 24/7 Assistance: Access to help during your trip can be invaluable, especially in emergencies.
- Customizable Plans: Many travel insurance companies offer family-friendly plans with the option to add coverage for kids at no extra cost.
