How To Purchase Journey Insurance coverage When You’re Touring With Kids – Forbes Advisor

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If you are planning a family vacation with young children, you are likely to be concerned about what could possibly go wrong. And between worrying about falling into the Grand Canyon or the likelihood of being eaten by a shark off Nantucket, you are likely to think about travel insurance.

Traveling with young children presents unique challenges, say travel experts like John Gobbels, the chief operating officer of Medjet, an aviation medicine and travel safety membership program.

“They tend to be a little more accident-prone,” he says. “Over the years we’ve seen food – and water-borne diseases that resulted in hospitalizations, head injuries from falls, serious injuries from overturned golf carts, simple viral infections that caused more serious health problems – and much more.”

Travel insurance is not a one-size-fits-all solution, and this is especially true for families with young children.

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What type of travel insurance do families need?

Traveling with the family – and especially with young children – is unlike any other type of travel. You don’t have to be a parent to know this. Just as family travel requires certain skills, travel insurance also needs to be specialized, say professionals.

“Traveling is already an adventure,” says Lisa Cheng, spokeswoman for the World Nomads. “But when you throw kids into the mix, there’s another element of unpredictability. This is why it’s important to get travel insurance – preferably with a wide range of protections to help you deal with emergencies and other bumps that may arise during your trip. Children can run into many mishaps even under adult supervision. “

John Cook, president of QuoteWright, a travel insurance website, says all types of insurance coverage that protect adults are equally important to children.

“But there are a few additional things to consider when purchasing family travel insurance,” he adds.

According to experts, here are the types of coverage that families use most often:

Medical supplies

Your health insurance may not cover you for international travel. “Accidents can happen,” said Scott Adamski, director of US sales for AIG Travel. “A health insurance plan is therefore an important feature of any travel insurance plan you choose for a family vacation.”

The health coverage provided by your travel insurance company covers your family temporarily while you are traveling. It can provide 24/7 assistance, conduct emergency evacuations, and pay emergency medical costs.

If you are looking for travel insurance with good performance related to COVID-19, check out our reviews of the best travel insurance plans for pandemics.

Travel break

More than ever, families need to think about what happens if something goes wrong during a trip. For example, if your flight is rerouted and you have to stay with your family somewhere, travel insurance can cover the cost of a trip disruption.

Interrupted travel insurance will reimburse you for all prepaid, non-refundable travel expenses covered by the policy. If one of your children becomes sick and you can no longer travel, a trip break can have you covered.

If older parents or grandparents die at home while traveling, you may be covered by your travel insurance.

“Families with children should look for travel cancellation and travel interruption,” says Daniel Durazo, Allianz Travel spokesman. “Travel Interruption Cover pays for the unused portion of prepaid travel expenses and the additional cost of booking a last-minute flight home if someone in the family becomes sick or injured and the trip has to be abandoned.”

Travel cancellation

With travel cancellation insurance, you can cancel your trip and, under certain circumstances, receive a full reimbursement of travel expenses. Reasons covered include an unforeseen illness or death – yours or a family member.

“There are some family-specific benefits, like the risk of extending the school day if you cancel,” said Sherry Sutton, vice president of marketing at Travel Insured International.

This coverage can apply if your children’s primary or secondary school year goes beyond the pre-defined calendar. However, this may not apply to sporting events. So, if your daughter’s volleyball team makes the finals and this overlaps with your vacation, you may be out of luck.

Return of underage children

This coverage ensures that dependent children traveling with you return home if you are in hospital for more than a certain number of days (usually seven) and the children are otherwise unattended.

“Most plans cover this, but it’s good to read up on the conditions and limits. All of this is set out in the insurance certificate, ”says Damian Tysdal, who hosts the Safe Travels podcast.

Tips for getting travel insurance for traveling with young children

There are some travel insurance buying strategies you should consider when looking for the right policy.

1. Make sure everyone is covered. When purchasing travel insurance, it is important to ensure that every member is listed on the insurance. The benefits are not transferred from the parent to the child or vice versa.

“For example, if you’ve got travel insurance for yourself and your trip has been interrupted and you and your son have to fly home, your ticket is covered – but it wouldn’t be his ticket if he wasn’t on your lap,” says Cheng von World Nomads.

2. Get COVID coverage. Given the significant concerns and uncertainties surrounding the coronavirus pandemic, it is important to ensure that your family’s travel insurance covers any future outbreak.

“Choose a travel insurer that doesn’t treat COVID-19 as a foreseeable event,” advises Christine Buggy, vice president of Travelex Insurance. If so, you, a family member or travel companion contracting coronavirus may not be eligible for travel cancellation, interruption and medical benefits associated with the plan.

3. Consider upgrading policies to cover more. Your travel insurance may offer more options for families with young children. Take your health insurance, for example. A company like TravelGuard offers a medical “bundle” that allows you to double the coverage limits for medical expenses and evacuation.

TravelGuard also offers a bundle that better covers the basic policy.

“For example, your family trip revolves around a theme park or similar attraction, and when you arrive you suddenly find that it is closed for some unforeseen reason,” says Adamski of AIG. “This coverage could be particularly useful for families with young children.”

4. Note the existing conditions. A common misconception is that parents – or grandparents – are the most likely to make a claim. However, your children may also have a pre-existing illness such as asthma or allergies that can affect your trip.

“If your young children already have an illness, you want a no-exclusion plan for pre-existing illnesses,” said Rachel Coen, spokeswoman for G1G Travel, a travel insurance website.

5. Browse Before You Buy. Before upgrading or paying extra for travel insurance, experts recommend throwing a wide net. Some guidelines cover everything – and anyone – you need.

“Many travelers traveling with young children can find coverage for their entire family with standard travel insurance,” said Kasara Barto, spokeswoman for Squaremouth, a travel insurance website. “There are even some providers that include children under the age of 18 in their standard policies for free.”

According to Barto, travelers should always confirm that the policy covers their primary concerns, especially if they are traveling with a family. These can include cancellation insurance for bad weather or health insurance for unexpected illness or injury. Then she recommends buying the cheapest policy that suits her needs.

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