The Best Family Travel Insurance

Shawn Plummer

CEO, The Annuity Expert

Traveling with family can be one of the most enriching experiences in life. Whether planning a vacation overseas, road-tripping across the country, or simply spending a weekend away, family travel can create lifelong memories. However, unexpected travel events can occur, such as accidents, illnesses, lost baggage, flight cancellations, and more. This is where family travel insurance comes in handy. This guide will discuss the different types of family travel insurance, their benefits, and how to choose the best family travel insurance plan for your needs.

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Types of Family Travel Insurance

Holiday Insurance for Family

Holiday insurance for families is a type of travel insurance that covers families traveling together for a short period. This type of insurance typically covers trip cancellation, interruption, medical expenses, emergency medical evacuation, accidental death and dismemberment, lost or stolen baggage, and more.

Family Annual Travel Insurance

Family annual travel insurance provides coverage for multiple trips taken by a family within a year. This type of insurance is ideal for families who travel frequently or take multiple trips per year. Annual travel insurance can be more cost-effective than buying individual plans for each trip. It typically covers the same benefits as holiday insurance for the family but for a more extended period.

Travel Insurance for Infants

Travel insurance for infants provides coverage for babies and toddlers under two years old. This type of insurance covers medical expenses, emergency medical evacuation, and repatriation if the infant falls ill or has an accident during the trip. It can also cover expenses related to lost or stolen items such as car seats, strollers, and diapers.

Travel Insurance Family USA

Travel insurance for family USA is a type of travel insurance designed specifically for families traveling to the United States. This type of insurance covers the same benefits as holiday insurance for families but includes coverage for pre-existing medical conditions. It may also cover specific events such as skiing, snowboarding, or other outdoor activities.

Travel Insurance And A Death in Family

Travel insurance provides coverage if there’s a death in the family while on a trip. This type of insurance typically covers expenses related to the repatriation of the deceased family member’s remains, travel expenses for family members to attend the funeral, and other related expenses.

Family Travel Insurance

Benefits of Family Travel Insurance

Peace of Mind

Family travel insurance provides peace of mind for families traveling together. Knowing that you have coverage for unexpected events such as accidents, illnesses, or lost baggage can reduce stress and allow you to enjoy your trip more fully.

Financial Protection

Family travel insurance provides financial protection in case of unexpected events. For example, medical emergencies, trip cancellations, or lost baggage can be expensive, but these costs can be covered with insurance.


Family travel insurance provides convenience by allowing families to purchase one policy that covers all family members. This can simplify the process of planning and purchasing insurance, saving time and effort.

Choosing the Best Family Travel Insurance Plan

When choosing the best family travel insurance plan, consider the following factors:


Ensure the plan covers the necessary benefits, such as medical expenses, emergency medical evacuation, and trip cancellation.


Compare the cost of different plans to find one that fits your budget.


Choose a deductible you can afford to pay in case of an incident.


Be aware of exclusions, such as pre-existing medical conditions or certain activities that may not be covered.

Best Family Travel Insurance

Next Steps

Family travel insurance is an essential investment for families who travel together. It provides peace of mind, financial protection, and convenience. When choosing the best family travel insurance plan, consider the coverage, cost, deductible, and exclusions. Family travel insurance can provide peace of mind and financial protection, whether planning a short trip or multiple trips throughout the year.

Best Family Annual Travel Insurance

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Frequently Asked Questions

Who is considered a family member for travel insurance?

A legal guardian, foster child or ward of the court, step-grandparent or grandchild, and aunt/uncle by marriage are all eligible for coverage.

Should I use a travel agent for a family vacation?

When considering family vacation planning for 2022, using a reliable travel agent is the perfect solution to avoid confusion and stress. Plus, you’ll find more than an expert – your family will gain a helpful friend in the process! A trusted professional can help ensure your dream holiday becomes a reality.

What is immediate family travel insurance?

Regarding travel insurance, the definition of an immediate family member is expansive. Your child, parent-in-law, stepbrother/sister, and grandparent are just a few that fit into this category. Furthermore, your spouse’s son/daughter-in-law and brother or sister-in-law also come under this broad umbrella. So make sure you include everybody so that no one gets left behind!

Does family travel insurance cover individuals?

Family travel insurance is available for one or two adults and up to eight children under 18 who reside with you. In addition, most policies also extend coverage to stepchildren, foster kids, and adopted youngsters in your care – as long as they all call the same roof home. With this policy, you can rest assured that your entire family will be cared for during their travels!

Is it cheaper to buy travel insurance separately?

Buying separate policies is a great way to save money if individual travelers need extra specialized protection, like Cancel For Any Reason. Unfortunately, these additional benefits will likely cause their policy rates to increase.

*Disclosure: Some of the links in this guide may be affiliate links. I may receive a commission at no cost if you purchase a policy. It helps us keep the lights on!

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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