How To Buy The Best Family Travel Insurance

When planning your next family vacation, checking out and buying a family travel insurance should be the number one priority. Besides getting your passport and flight tickets organized, of course. 🙂

It can be confusing to know how to buy the best family travel insurance. Do not fear! My detailed guide on How To Buy The Best Family Insurance will help you to get a better picture of what to look out for in a comprehensive family travel insurance policy.

how to buy the best family travel insurance

Traveling is all about exploring new cultures and vibrant cities, but it is also about the unknown. 99% of the time everything goes well, but there is always the one percent …

When you travel with kids, a travel insurance is even more critical. If something goes wrong, you want the best possible care and treatment for your children. Good coverage is worth every cent.

I only had to use my travel insurance once, and that was nearly twenty years ago when someone broke into my hotel room and stole my camera, cash, passport and a few other things. That was such a distressing experience, and I was so glad to have had insurance coverage.

Lucky me, I never had any more severe hiccups since then. Even when I was traveling with my kids; we didn’t need our family travel insurance at all. Phew!

Even though you may have planned every detail, there are always things that are unpredictable or can go wrong. So better be safe than sorry because not having a travel insurance can cost you thousands of dollars if unexpected events occur. That could be delayed flights, lost or damaged luggage, theft (as it happened to me), a sudden illness or a just sore tooth (which can make your life miserable).

A good travel insurance will give you peace of mind and hopefully, you will never have to use it.

In my post, I am going to talk about what should be covered by your insurance policy especially when traveling with kids, when you should buy one and how to choose the best travel insurance plan.

I will also discuss a couple of travel insurance companies with lots of experience and high accolades.


Please note: I am not a travel insurance broker. My blog post and included recommendations are based on my own experience and in-depth research.  You need to decide for yourself if a travel insurance is right for you.


What Should Your Family Travel Insurance Plan Include traveted eventspecl risks, unex

Certain things are a must-have in your insurance policy:

1. Unlimited medical coverage
2. Trip Cancellation
3. 24/7 Emergency Service
4. Coverage for car rentals
5. Evacuation/Repatriation coverage.

In a family travel insurance plan, the children are usually included in the policy at no additional cost. The medical coverage should be at least $25000 or even better unlimited.

A trip cancellation coverage is also quite significant because unexpected situations can occur before you start your journey.

I also would recommend paying attention to the amount of excess you have to pay in case of a claim. In my opinion, it should not exceed $100 per claim.

Always, always read the policy, so you know exactly what your family travel insurance policy includes. I know, no one likes to read these details, and I am guilty of it, too. How often have I clicked on ‘Agree to terms and conditions’ without actually reading it!

Please make an exception when it comes to your travel policy.  Take 10 minutes out of your busy schedule and go through the nitty-gritty. You have 14 days to cancel the insurance policy if you feel it is not the right product for you.


When Should You Buy Family Travel Insurance

I recommend purchasing a travel insurance as soon as you pay for your trip. This tip is most important if you need coverage for the rare case that you might have to cancel your planned vacation.

Possible reasons could be work-related, or one of the family members may become ill or any other unexpected events.

The earlier you buy the insurance, the better.


Where Should You Buy the Insurance How to survive travel as a single parent

Travel agencies, as well as credit card companies, offer travel insurance. In my opinion, these policies are more expensive and might not be as comprehensive as you need it to be.

I prefer to buy directly from a well-known insurance company. In most cases, you can obtain a no-obligation quote online. It is easy to do, and you are more in control of the price range.

The insurance world is a highly competitive market, so it pays to shop around a bit. My advice is to check the price but also what you will get for the price.

One company with an excellent reputation is World Nomads. They have been around since 2002 and are provide travel insurance for travelers from over 140 countries.

The second company I will discuss is 1Cover Travel Insurance; available to people who are living in Australia, New Zealand, Canada, and Singapore.


What About Traveling When You Are Pregnant

I don’t have much experience on this subject since I never traveled while I was pregnant. But I do know that you need to check with the insurance company on what the coverage is in case something does go wrong.

I’ve found a great detailed post about this matter on a blog called wheressharon.com. I highly recommend to check it out when you are planning on traveling while you are pregnant. Sharon has got lots of tips that will make your travels a whole lot easier.


Which One Is Best?

World Nomads Travel Insurance

One of a well-known and reputable travel insurance company is World Nomads, and they are available for people in over 140 countries.

This company was founded in 2002 by people who had been passionate travelers themselves and knew what people need while “on the road.”

World Nomads is loved by leading brands such as Lonely Planet and National Geographics. Their philosophy is to make it easy to extend and to buy a policy online and also put in your claims.  Travel Insurance from World Nomads.com are ideal for long-term travels for up to 12 months or even longer.

I do like that you can purchase their travel insurance after you have started your holiday. Please note, that a waiting period of 72 hours applies.

As with any good company you can thoroughly check the policy for fourteen days. Read the policy details to ensure that it’s right for you. If you are not convinced, you can cancel in within these fourteen days.

By the way, the price of each policy includes $5 that will get donated to a social project of your choice. What a marvelous idea!

Get a quote by typing in your details below.


1Cover Travel Insurance

1cover travel insurance is the second company I’d like to introduce. 1Cover travel insurance is an award-winning company who has been around since 2003. Their rates are very competitive and one of the lowest I have come across so far.

On productreview.com.au, 1Cover received 4.3 out of 5 stars based on nearly 2500 reviews. Please note that 1Cover Travel Insurance is available only in Australia, New Zealand, Canada, and Singapore. I do hope that they will extend their business to other countries as well. I will keep you posted. 🙂

I do love 1Cover’s website. It is easy to read, to navigate and contains lots of helpful information.

Children are included in every family travel insurance policy at no extra cost.

Dependents under 21 years who travel with a parent or grandparent for 100% of the journey are covered at no additional cost on our cheap single and family policies. (1cover website)

 

You can also take out travel insurance after you have started your holiday and you will be able to extend the lengths of your policy for up to two years.

One of my favorite features is that you can decide to have a policy without any excess payments.  The cost of the plan increases only by a little bit. But in the end, I think it is worth it to pay the extra money. Many excess payments can quickly pile up to a large sum.

How about making a claim?

You can make a claim by downloading the form and send it by mail or email. The claim will be processed in within ten business days. I always recommend ringing the insurance company first to inform them about what has happened.

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Frequently Asked Questions On How To Buy The Best Family Insurance

What Is (Family) Travel Insurance?

A Travel Insurance is designed to cover you for unexpected emergencies while you (and your family) are on a vacation. Emergencies can include, e.g., luggage lost by the airline, the need for medical treatment due to a sudden illness, lost or stolen gears or a trip cancellation.

Is A Travel Insurance The Same Like A Health Insurance?

Let’s be clear on this matter: A travel insurance is not a substitute for a health insurance. The travel insurance covers medical parts like sudden illness, toothaches, or injuries caused by accident.

It doesn’t cover ongoing costs for pre-existing conditions like medication etc.

In addition to the medical coverage, you’ll be covered for loss or theft of your travel gears, trip cancellations and other things that can unexpectedly occur.

My Credit Card Offers Travel Insurance. Is It Enough Coverage?

My advice is to find out what exactly is included in your credit card travel insurance. It usually offers only limited protection and is not as comprehensive as a policy from a renowned insurance company.

You might end up paying a difference in the costs that may occur, e.g., paying for medical treatment or lost luggage.

How Do I Claim Insurance Costs?

As soon as an emergency happens, you’ll need to get in touch with your insurance company either by phone or email. In most cases, you will have to pay for the costs out of your pocket and put a claim for reimbursement forward to the insurance company.

In addition to filling in a form, you also have to provide all documentation, file police reports, receipts, hospital reports and the likes.

Most travel insurances need about two weeks to approve a claim.

Does A Travel Insurance Covers Travel In My Home Country?

Some companies offer insurance for domestic travels like my recommended insurance company 1Cover.

Your best bet is to check with the insurance company of your choice.

There Are A Lot Of Negative Online Reviews About Travel Insurances

The common problem is that a lot of folks don’t read the fine print of their policy. If something happens and they find out it is not covered by their insurance, these people get quite frustrated, and the results reflect in negative reviews.

Therefore, always make sure to read the policy, so you know what is covered while you are traveling.

It doesn’t mean that insurance companies are always right. Mistakes and wrong decisions can happen. I would choose a well-known and established company like the ones I have introduced before.


Summary

I hope this post has brought more clarity on how to buy the best family travel insurance.

It is a good idea to have travel insurance in case something goes wrong especially when you are traveling with your family. Expect the unexpected and be happy if everything goes smoothly.

If your children fall ill, break their arm, or … (you get my point) – You want the best possible care for them. Full Stop!

The most important things to remember are:

  • You don’t have to pay extra; children are included in your travel policy which is fantastic.
  • To get coverage for a trip cancellation, buy travel insurance as soon as you put a deposit down or pay for your holiday.
  • To make a claim you will need to submit receipts, medical diagnosis, police reports (if applicable) as much information and documents as possible. Ring or email the insurance company as soon as possible and let them know about anything that is happening. This way you will be on the right path to get quick results regarding the approval of your claim.
  • Always take the time out and read the full policy. Make sure you know exactly what you are covered for. You have fourteen days to check the policy. If you are not convinced that it is the right product you can cancel in within this time frame.

I do hope this post will help you to find the best family travel insurance with the best price and service. Please share in the comments below any good or bad experiences you may have had with travel insurance. I’d love to hear from you!

Safe Travels for you all!

Be sure to read my post What To Pack In A First Aid Kit When Traveling With Kids.

For more tips and hacks when traveling with children, please click here.


This post contains affiliate links. If you make a purchase after you click the link, I will get a small commission at no extra cost to you.

26 Comments

  • Hi Anke
    Thanks so much for all the detailed information! I guess Im not alone in worrying about things like – If I book this expensive overseas holiday with the kids one of them is bound to come down with some sort of childhood disease or vomiting bug! Murphy law…and you are so right. Accidents happen everywhere and while a stay in an overseas hospital might be all that is needed for a day or 2 it can really effect the spending money!
    Thanks again. I feel better.

    • Hi Megan, yes, these childhood diseases are a bit of a worry especially when you are just about to fly for a few hours at a time. So far so good, we have been very lucky not to experience any hiccups on those long haul flights.

      Having a family insurance really makes me feel much better and I know I don’t have to worry too much about any additional costs.

      Happy Travels!

      ~ Anke

  • It is interesting to find this article on travel insurance. I had never thought much about it before and one trip decided to add it, simply because of where we were going, etc. Well, needless to say, we had a family emergency and could not go on our trip. I called them about the trip cancellation to see about getting my money back. There were so many exclusions and I ended up getting nothing back. This kind of burned me on ever buying trip cancellation insurance again. Have you ever had to use it, or “try” to use it?

    • Hi there, 

      wow that is really sad to hear that the  insurance company didn’t pay for the trip cancellation. I didn’t have to face such an issue fortunately. The only time I needed travel insurance was when someone broke into my hotel room and stole cash, my camera, my passport etc. I had no trouble getting money back from the insurance company.

      My biggest advise to everyone is to read what is and isn’t included in the insurance policy. As a customer you have two weeks time after signing to cancel if you feel the policy is not the best option for you.

      All the best from Anke

  • I remember the days when I use to travel with my kids, at least three times per year. Back then airfare was cheap and we were not charged for our luggage. I had a credit card that protected us with travel insurance and that was very reassuring whenever we traveled as a family.

    • Hi Carol, thanks for your comment. There is still the possibility of using a credit card that includes some sort of travel insurance. But unfortunately most of the time the cover is not sufficient enough to protect your family to cover unexpected additional expenses.

      It’s important to get in touch with your credit card provider and compare their offer with a travel insurance company. It can be a bit time consuming but it is worth it in the end. 

      You never know what’s around the corner so it pays to do your due diligence. Luckily, 99% of the time everything goes smoothly but there is always a 1% chance …

      Best regards, Anke